Camera holiday insurance

greedy123 · 20 Jul 2013 at 14:47

Hi

I'm looking to insure my camera equipment (~£4500 value) for a 5 day trip to Amsterdam but can't find anywhere that does just single trip insurance rather than annual cover. I don't want to spend £100-200 for 5 days insurance!

Any suggestions?

Cheers

Nexus · 20 Jul 2013 at 14:51

greedy123 said:
Hi

I'm looking to insure my camera equipment (~£4500 value) for a 5 day trip to Amsterdam but can't find anywhere that does just single trip insurance rather than annual cover. I don't want to spend £100-200 for 5 days insurance!

Any suggestions?

Cheers

To cover that level of equipment, I would think anyone who would even offer you short trip coverage abroad is probably going to want a premium of at least that kind of level.

Given how easy it is for something to get broken, lost or stolen on a trip, they are hardly going to cover £4500 worth of gear for a small sum.

I'm happy for somebody to prove me wrong though.

kitfit1 · 20 Jul 2013 at 14:53

Get all your gear listed under your household contents insurance. Problem solved and you get cover all year round.

shr3k_uk · 20 Jul 2013 at 18:36

2k cover cost me 7 quid.

Genoma · 21 Jul 2013 at 20:07

Who with?

Nexus · 21 Jul 2013 at 22:48

kitfit1 said:
Get all your gear listed under your household contents insurance. Problem solved and you get cover all year round.

If you have a good amount of photography gear, it would probably be wise to go with somebody who specialises in photography insurance, rather than just covering items on your general home insurance policy. If something breaks or is damaged, they will send it to their electronics goods service centres. Far better to have somebody who specialises in photography who understands your needs taking care of it.

shr3k_uk said:
2k cover cost me 7 quid.

And what sort of excess are you expected to pay out on that if something gets broken or stolen abroad?

Genoma · 21 Jul 2013 at 23:08

Who have you guys got good insurance experience of? Any recommendations?

Vertigo · 22 Jul 2013 at 09:15

Nexus said:
If you have a good amount of photography gear, it would probably be wise to go with somebody who specialises in photography insurance, rather than just covering items on your general home insurance policy. If something breaks or is damaged, they will send it to their electronics goods service centres. Far better to have somebody who specialises in photography who understands your needs taking care of it.

The other thing to watch out for is clauses about professional use - they sometimes exclude equipment if you're classed as a professional photographer.

Of course what counts as professional is debatable but, if they find any evidence that you've done work for financial remuneration they could class you as a pro and not pay out. You may think they'd never know but, if you ended up claiming for £6k worth of kit in one hit, I'd bet their loss adjusters would have a bit of a dig around.

Raymond Lin · 22 Jul 2013 at 10:39

I just add it to my regular policy for a small fee - Annual 30 day world wide cover.

Another thing, I also add in car cover should the gear get stolen in the car. You would think just because the car is locked, it is covered, it's not in some cases. Some policy don't pay out if you lose your gear in the car while you go off to eat etc. Even then, it has to be in the boot, out of sight, so it it's a Estate/hatchback, you need a partial shelf to cover it. Some policy even stipulate a sealed boot, so a saloon with no fold down back seats.

shr3k_uk · 22 Jul 2013 at 14:32

Genoma said:
Who with?

E&L Insurance

Genoma · 22 Jul 2013 at 16:21

£72 for £2k cover with them, mmm...

Raymond Lin · 22 Jul 2013 at 16:38

shr3k_uk said:
E&L Insurance

Photoguard or Aaduki

Google E&L user feedback, they have a reputation of doing everything they can not to pay out.

eyetrip · 22 Jul 2013 at 16:49

Out of curiosity, what equipment are you aiming to take along with you?

Genoma · 22 Jul 2013 at 18:17

Raymond Lin said:
Photoguard or Aaduki

Google E&L user feedback, they have a reputation of doing everything they can not to pay out.

I'll check them too Raymond, thanks.

kitfit1 · 22 Jul 2013 at 20:33

Nexus said:
If you have a good amount of photography gear, it would probably be wise to go with somebody who specialises in photography insurance, rather than just covering items on your general home insurance policy. If something breaks or is damaged, they will send it to their electronics goods service centres. Far better to have somebody who specialises in photography who understands your needs taking care of it.

That may well be the case. But on the assumption that the OP is not a pro photographer, listing everything he has on his household contents insurance will give him all the cover he needs at very little cost and it will give him that cover 24/7 365 days a year. Most household insurance assumes £10,000 contents per room and allows you to add specific items that are over a certain value. This includes expensive hi-fi, tv's, jewellry, antiques and camera gear. As long as you are honest and have receipts, there really isn't any problem with this, even if you take these items on holiday with you.