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Camera Insurance  
User currently offlineThowman From United Kingdom, joined Jul 2004, 363 posts, RR: 3
Posted (9 years 10 months 3 weeks 3 days 12 hours ago) and read 1665 times:

Seeing as I am walking around with about £4,000 worth of camera equipment on my back, I was wondering if it is possible to get some kind of special insurance policy for it here in the UK - other than having on a household policy? Walking back to my car on Saturday at Myrtle Ave (from 27R landings) I felt very vunerable with a couple of yoofs hanging around.

5 replies: All unread, jump to last
 
User currently offlineCkw From UK - England, joined Aug 2010, 745 posts, RR: 16
Reply 1, posted (9 years 10 months 3 weeks 3 days 12 hours ago) and read 1644 times:

There are one or two I know of. Personally I use Photoguard

http://www.photoguard.co.uk/

but this may not be the best for you - the details of coverage vary, so check carefully. For example, Photoguard has one rate for amauteur/semi-professional and another for professional. Some companies don't allow for semi-pro use. I also wanted the public liability cover provided.

Check too for the costs if you plan on taking your equipment outside the UK.

You are right to consider the risks of carrying that much gear around, esp. since Myrtle Ave. and other LHR locations are well known photo spots (and not just by the good guys!).

Cheers,

Colin



Colin K. Work, Pixstel
User currently offlineFergulmcc From Ireland, joined Oct 2004, 1916 posts, RR: 53
Reply 2, posted (9 years 10 months 3 weeks 3 days 11 hours ago) and read 1639 times:

I have what you would call 'Specified risks insurance' This is part of your household insurance but you specificly, specify your camera equipment and anything else like jewlery etc. against accidental damage and loss/theft. Its not that much more but no matter where you are or what happens to your equipment you're covered even for the repairs if happen to drop something.

Talk to you company that your household insurance is in and see what they quote you.

Fergul Big grin

PS: You are taking a massive risk not insuring your gear!!!!



Zambian Airways, Where the Eagles fly free!!
User currently offlineThowman From United Kingdom, joined Jul 2004, 363 posts, RR: 3
Reply 3, posted (9 years 10 months 3 weeks 3 days 11 hours ago) and read 1632 times:

It would be already be covered under the household insurance. As I travel a fair bit I really wanted something more specific rather than the general household stuff - they are a pain in the bum if you want to claim anything.

ckw - thanks for the link - just the kind of policy I am looking for.


User currently offlineFergulmcc From Ireland, joined Oct 2004, 1916 posts, RR: 53
Reply 4, posted (9 years 10 months 3 weeks 3 days 11 hours ago) and read 1626 times:

Sorry Andy

I thought you meant that your gear wasn't insured outside the house as some policies only cover to the front door.

Glad you found something. My policy works ok as I damaged one of the cameras and claimed with no problems.

Take care

Fergul  Big thumbs up



Zambian Airways, Where the Eagles fly free!!
User currently offlineNubbins From Canada, joined Oct 2004, 26 posts, RR: 0
Reply 5, posted (9 years 10 months 3 weeks 3 days 6 hours ago) and read 1607 times:

I've thought about this too...above and beyond homeowner's insurance...decided not to bother...as for misadventure...not worried...the average mugger isn't too keen to discover the sort of imprint a tripod leaves on the side of the head.

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