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General photography questions and answers: Discuss Camera Insurance...I have been thinking about going full frame for ages, most full frame cameras cost a lot of dosh so ...
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Old 19-02-2010, 11:18   #1 (permalink)
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Camera Insurance


I have been thinking about going full frame for ages, most full frame cameras cost a lot of dosh so the camera body at least has to be insured, my present outfit because each item cost less than a thousand pounds my household insurance covers it, but because a full frame camera body would cost over 3k or more I just wonder how how much one would pay for this type of insurance, can anybody recomend a good insurance company.........Thanks...
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Old 19-02-2010, 12:09   #2 (permalink)
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Re: Camera Insurance

There are specific insurances for camera gear, or the houshold insurance can be used. All you have to do is to specify the items that are worth over 1000.

The 1000 limit you refer to is the unspecified single item limit, not a general ceiling on the maximum you can insure something for. usually extending the houshold policy is the best value, but the T's & C's will be the best guide to which is the more appropriate route.
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Old 19-02-2010, 19:04   #3 (permalink)
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Re: Camera Insurance

Dabhand is right that the limit (1500 on my policy) is for unspecified single all risk items. Now this means if you make a claim they will want to investgate the total value of such items you own. Watches, jewelry, camera equipment, other portable devices can add up to a large sum. If you insured for say 2,000 and your unspecified items were really 4,000, they will only pay 50% of any claim. I moved my Camera equipment into the specified section and the threshold for a single item was 2500. I bought my FF 5D2 for less than 2,000 so no problem. I have given the insurance company the serial numbers of the items I want covered Two cameras and several lenses. This cost was still a fraction of the specialised camera insurance. If you do need a higher limit, just speak to them; I am sure that they can offer you a deal.
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Old 19-02-2010, 22:15   #4 (permalink)
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Re: Camera Insurance

Dabhand is quite correct, move the goods to a specified cover on your houshold insurance but it has to be "contents cover" away from home with accidental damage and New for Old cover. Buildings only insurance does not cover this type of claim.
My Golf clubs have been covered in this manner so I have done the same with my camera kit.
The extra costs using this method is the most cost effective way compared with a separate policy I think you will find.

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Old 20-02-2010, 10:25   #5 (permalink)
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Re: Camera Insurance

Thanks for that advise I will check it out......
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