Insurance?

Etheco

Etheco

Etheco

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Joined
22 Jun 2012
Posts
1,071
So although my camera equipment possibly only just comes to 1k in total.

DSLR D5300 (It is grey not sure they would be covered) / NIKKOR 35mm / and soon NIKKOR 55-300mm
And my handheld Olympus ZX-2

No doubt as my interest grows more and more, extra Lens will be added etc.

Is getting covered worth it, I do not have home insurance my self so that isn't a option. What are the options others do?

Or do i just not worry and if i ever drop or something gets stolen take the hit and be sad for a few months :D

The main worry is taking my camera abroad etc.
 
It depends how much it's worth to you.

For me £1k is probably the minimum limit. Anything less and I'd take the hit, though not be happy about it.

I took out insurance for some of my gear with gloverhowe, but it was a lot more expensive than I thought it might be. I only covered the most expensive items that I would absolutely need to replace if they got lost or damaged.
 
I got my insurance through Photoguard, think it was about £200'ish for covering about £16,000. Whoever you go with it's worth haggling a bit, think I got a fairly big discount by shopping around.
 
No need for specific photography insurance with the gear you have.

I added my gear to my home insurance and it was covered while out and about and even in my car. It added around £25 to my premium.
 
Columbo said:
No need for specific photography insurance with the gear you have.

I added my gear to my home insurance and it was covered while out and about and even in my car. It added around £25 to my premium.
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OP doesn't have home insurance. A lot of people living with parents or renting and without much gear probably won't.

Spleen Sauce said:
Cover my stuff with Glover and Howe, costs me just short of £100 per year but thats two camera bodies, all my lens, filters and misc kit covered.
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Not bad. It's the travelling that kills me. Many other policies only allow you to be away for a short length of time. With Glover Howe the policy allows practically unlimited travel, but of course it jacks the cost up loads.
 
englishpremier said:
OP doesn't have home insurance. A lot of people living with parents or renting and without much gear probably won't.
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People living parents will generally be covered by their parents policy. People renting should buy at least contents insurance. Camera equipment can be added to either.

However, unless I was using my camera for a living, I wouldn't bother unless I had thousands of pounds worth, but then I'm extremely careful by nature with all of my possessions.
 
Sweet cheers all for responses, Will contact a few just to guide prices for my gear and decide from there.

I am fairly careful with my gear its just knowing if anything did happen i can shunt it off.

Another thing is has anyone actually made a claim with there's ? What do you have to provide ? I assume you can't just go "I got robbed give me my money?"
 
Normally you have to provide serial numbers of the items you want to protect over a certain amount e.g. £300.

For things less than that if you claim you might have to show proof of purchase, like a bank statement. Of course you'll need a police report. In some countries you have to pay for the the report.
 
Etheco said:
Another thing is has anyone actually made a claim with there's ? What do you have to provide ? I assume you can't just go "I got robbed give me my money?"
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a lot of the time you can but by doing so you are lying and committing fraud which obviously is crime and punishable as such.
I made a claim on my home insurance a few years ago when all my gear was swiped from my car and it was paid out with no issues within 2 weeks. I was and still am insured with One Call.

As my car had been broken into I'd reported it to the police who just gave me crime number and I'd taken some pictures on my phone of the back window smashed in. I provided both to the insurance but they didn't specifically request them.

Prior to all of that though I'd provided the serial numbers of the equipment to the insurers and a photograph with all the equipment on.
 
Yeh i wasn't planning on committing fraud, just wondering what the procedure was if anything got stolen etc.

Cheers for info guys :)
 
Columbo said:
No need for specific photography insurance with the gear you have.

I added my gear to my home insurance and it was covered while out and about and even in my car. It added around £25 to my premium.
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Yep, I do the same. I added much more value and the difference in home insurance was negligible.
 
a1ex2001 said:
Mines all on my home insurance covered for accidental damage and use outside the home only thing not covered is theft from a vehicle so I simply never leave my bag in the car!
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You find most dedicated photo insurance policies will also exclude locked in a vehicle, one of the reason I don;t really bother with it.
 
Etheco said:
Sweet cheers all for responses, Will contact a few just to guide prices for my gear and decide from there.

I am fairly careful with my gear its just knowing if anything did happen i can shunt it off.

Another thing is has anyone actually made a claim with there's ? What do you have to provide ? I assume you can't just go "I got robbed give me my money?"
Click to expand...

I made a claim through my parents home insurance when I was a student (as a student you can count you main address as your parents).

Dropped a D70 and kit lens on the floor, kit lens focused messed up. Was very quick and easy to deal with, they didn't need ay kind of proof of damage and kept insisting on replacing the body and not just the lens. In no time at all they sent me a new lens.

Sadly don't know the name of the insurance company, possibly AXA
 
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