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General photography questions and answers: Discuss Camera Insurance...I am going to insure my camera away from the household insurance, do you know any good insurers?...
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Old 28-08-2011, 23:52   #1 (permalink)
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Camera Insurance

I am going to insure my camera away from the household insurance, do you know any good insurers?
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Old 29-08-2011, 02:00   #2 (permalink)
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Re: Camera Insurance

May I know what all they cover.. and how do they work
Down this side of the world ,I am yet to see anybody recommend for insurance.. Too many fine lines ensure that the customer will pay for all the losses , he/she incur..
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Old 29-08-2011, 09:40   #3 (permalink)
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Re: Camera Insurance

I have always had my camera insured as part of the household insurance but with an addendum that it is insured away from the home, only every had to make on claim (who knew the tide was going to hit that spot 30 feet before the rest of the beach) and it was straightforward and hassle free, they replaced new for old.
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Old 29-08-2011, 09:48   #4 (permalink)
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Re: Camera Insurance

When I've looked at this I've always found that my household insurance has offered the best value for money. I've got my kit insured for all risks and it is covered outside of the house and for travel abroad. The specialist separate insurance has some advantages for certain situations or if you are a pro, but at extra cost.
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Old 29-08-2011, 13:30   #5 (permalink)
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Re: Camera Insurance

Best way is to go through a local reliable insurance brooker and explain exactly what you want, that way you have always someone local to go back to in the event of a claim and not some call centre in India.
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Old 29-08-2011, 16:27   #6 (permalink)
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Re: Camera Insurance

Is there a reason why you are not happy to insure with your Home Insurance? I have only had one claim many years ago but it was new for old and my obsolete camera was replaced by a professional model costing more than double the value of the stolen camera. The insurance company took some trouble to ensure that my claim was valid but then paid out very generously. My current insurance allows cameras in the all risks items like jewelry etc. To make sure that there is no misunderstanding I have listed all the photographic items to be insured with serial numbers. While the insurance company say that this is unneccessary, it makes it very clear what is insured and for how much.

I could insure my equipment through my camera club which is arranged by the PAGB with Darwin Clayton (UK) Ltd but it would cost me more than my Home Insurance.
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Old 16-11-2011, 22:48   #7 (permalink)
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Re: Camera Insurance

You should keep all kit that is expensive seperate to household.

These guys all specialise in Photographers and not much else.

Camera insurance for photographers and photographic equipment

Photographic Insurance for Photographers | Towergate Camerasure

UK Camera Insurance from Aaduki

Glover & Howe Insurance Services - Colchester - Welcome...
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Old 17-11-2011, 12:45   #8 (permalink)
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Re: Camera Insurance

Not insured so this is a must as from now
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Old 17-11-2011, 18:48   #9 (permalink)
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Re: Camera Insurance

Quote:
Originally Posted by Daz View Post
You should keep all kit that is expensive seperate to household.

Why?

As long as your house contents insurance provides the cover you require and it is absolutely clear what items are covered, go for the best value for money. Of course, if you are not an amateur, then you may well need different cover and a specialist may be the best choice. My cover is new for old all risk. The only limitation is if I leave my kit in an unoccupied car which I never do. At least one of the specialist insurers have limitations for kit in an unattended car as well.

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Old 17-11-2011, 22:04   #10 (permalink)
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Re: Camera Insurance

Ok Dave.. Say you are just a hobbist... but you have a 5k body and few K in lens of all sizes....

you try explaining that you do not use kit like that for financial gain.. they will use any excuse to not pay out... just a hint of even doing it part time they will up your premium.

cameras over a certain cost will get suspicion from claims department.....

A friend of mine went out and bought 2 Canon bodies worth 5k each. no way do they believe he is just a 'hobbist'.

His kit is worth more than mine and I've been pro for 20 years......

The point is if you have cheap to mid range kit you'll be fine. Start having bodies over a few grand and lens a few K each and you have to justify it all......

just experience of friends that have had probs in the past.


All the insurence we have covers travel/overnight and kit left in vehicles etc..... for a few hundred quid it's worth it... i know togs that have gone to pay for fuel or nip into a shop and come back window smashed and stuff grabbed and gone.... Only takes a few seconds.
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Old 18-11-2011, 12:20   #11 (permalink)
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Re: Camera Insurance

I believe I valued my kit at 4,500 and that is the value it is insured for and each item is listed with its serial number. I am registered with FIAP as an amateur photographer and carry an identity card. If I had to make a claim, I would have no doubt the insurance company would pay out as they did 20 years ago. As I know and can prove that I am an amateur, I would not hestitate to take the insurance company to court in the unlikely event that they refused to pay. If insurance companies so easily refused to pay genuine claims as you suggest that would also be true for specialist insurance companies as well. One of the reasons why I list the equipment in detail including serial number is to prevent the insurance company from claiming that specific items were or were not included. They also cannot claim later that, if they had known the items were "professional" standard, they would not have insured them.

The reason why I mentioned leaving kit in a car unattended is because this might be an issue for some. My insurance cover limits me to 1500 if I leave my kit in an unattended car so I could leave the odd lens or my IR camera. However , I am a very security conscious person and never leave my kit in my car for even a few minutes (certainly not over 1500 in value). Interestingly, I do insure equipment for my camera club with a specialist photographic insurance broker and our kit is insured at all times it is with any member of the Club except there are limitations on kit left in an unattended car.
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Old 19-11-2011, 12:37   #12 (permalink)
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Re: Camera Insurance

Not sure how Daz made a Canon5DMk2 body 5k , new it is about 1.5k ??
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Old 19-11-2011, 14:45   #13 (permalink)
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Re: Camera Insurance

Canon 1D MK IV Body + 16-35mm f2.8 II USM Lens = 4,858.99

no one said 5D
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Old 20-11-2011, 15:46   #14 (permalink)
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Re: Camera Insurance

Dave has a 5D.
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Old 25-11-2011, 16:26   #15 (permalink)
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Re: Camera Insurance

Always good to shop around to see who's offering what although it's easy to miss things hidden in the T&C.

Always keep a check on your equipment prices and update your policy accordingly.

I was going to go with Photoguard but the requirment for equipment valued over 25k was that I had to have an approved alarm system in my home.......I went with Aaduki.
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Old 30-11-2011, 08:30   #16 (permalink)
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Re: Camera Insurance

I always name my Camera on household insurance, as Camera AND lenses AND equipment.
They are a separate part of the insurance cover, and get a FIXED value.

Its worth talking it through with the insurance people when you take out the cover, just to make sure.
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