Thowman From United Kingdom, joined Jul 2004, 363 posts, RR: 3 Posted (10 years 5 months 2 weeks 5 days 20 hours ago) and read 1978 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.
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!).
Fergulmcc From Ireland, joined Oct 2004, 1916 posts, RR: 52
Reply 2, posted (10 years 5 months 2 weeks 5 days 20 hours ago) and read 1952 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.
PS: You are taking a massive risk not insuring your gear!!!!
Thowman From United Kingdom, joined Jul 2004, 363 posts, RR: 3
Reply 3, posted (10 years 5 months 2 weeks 5 days 20 hours ago) and read 1945 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.
Nubbins From Canada, joined Oct 2004, 26 posts, RR: 0
Reply 5, posted (10 years 5 months 2 weeks 5 days 14 hours ago) and read 1920 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.