Helpful Posts Helpful Posts:  0
Results 1 to 10 of 10

Thread: Equipment Insurance

  1. #1
    Bettyboo's Avatar
    Join Date
    Dec 2010
    Location
    North Hampshire, England
    Posts
    67
    Real Name
    Lynne

    Equipment Insurance

    Hi,

    I am only an amateur, but over the past couple of years I have realised that the amount of equipment I have bought has been slowly creeping up (not sure how that happened ) but think it is probably time to get separate photographic equipment insurance.

    I have Googled this and have lots of different companies pop up, but wondered if anyone could recommend a company or broker in the UK please?

    I am looking for cover in the region of 4000.00 if you can buy it like that of course?

    Many thanks in advance.

    Lynne

  2. #2
    Moderator Donald's Avatar
    Join Date
    Feb 2009
    Location
    Glenfarg, Scotland
    Posts
    19,720
    Real Name
    Just add 'MacKenzie'

    Re: Equipment Insurance

    Lynne

    Look carefully at your household contents insurance.

    I went down the same road as you and then looked carefully at the household policy, spoke to my broker, clarified a couple of matters (particularly about use in the field and storage in locked cars) and identified that it provided far better cover than any of the 'bespoke' camera equipment policies that I'd looked at.

    My experience is that these type of policies may come into their own if the value of your gear is in the 10k/15k and above arena. But my cover is for 6k.

    Of course, household contents policies are different. But it's definitely worth checking it out.

  3. #3
    ktuli's Avatar
    Join Date
    Mar 2011
    Location
    Pittsburgh, PA
    Posts
    1,518
    Real Name
    Bill S

    Re: Equipment Insurance

    Lynne,

    I'm with Donald on this one. I have a separate policy that goes along with my home-owners policy that covers my camera equipment. They cover each item individually and as I add new equipment, I simply email my agent a copy of the invoice and they add it to the policy. The rates are perfectly reasonable (far better than the "extended warranty" policies you can buy in stores), and the peace of mind is just nice to have to know that if something happens I'm fully covered.

    I'm in the states, and I use State Farm for my insurance provider. I don't know if that helps at all in the UK, but figured I'd offer.

    - Bill

  4. #4
    Bettyboo's Avatar
    Join Date
    Dec 2010
    Location
    North Hampshire, England
    Posts
    67
    Real Name
    Lynne

    Re: Equipment Insurance

    HI Gentlemen,

    Many thanks indeed for your comments. Actually, I had made a large assumption that this amount wouldn't be covered without even checking first, DOH!

    So off to get the policy out now and as I have to renew that policy in December anyway, there might be some room for negotiations for the future

    Many thanks again, might save some money to buy that ring flash I have been looking at!!

    Take care.
    Lynne

  5. #5
    Ady's Avatar
    Join Date
    Oct 2010
    Location
    Cambridgeshire
    Posts
    179
    Real Name
    Adrian Asher

    Re: Equipment Insurance

    My home contents insurance offers pretty good personal cover but not for all risks or for commercial use.

    I know you say you are an amateur at the moment but if you do think about commercial work in the future I would suggest having a look at 'In Focus Photography Insurance' (www.infocusinsurance.co.uk). The policy is underwritten by Hiscox and can be customised to cover everything incuding public and product liability, employers liablility, proffesional indemnity and loss of earnings, through to an all risks policy to cover your equipment, even it it's being used by someone else to shoot an event on your behalf.

    Cheers,
    A

  6. #6
    Moderator Donald's Avatar
    Join Date
    Feb 2009
    Location
    Glenfarg, Scotland
    Posts
    19,720
    Real Name
    Just add 'MacKenzie'

    Re: Equipment Insurance

    Lynne - Even if the amount for 'special items' (or whatever your policy calls cameras etc) is okay, double check to make sure about any conditions might affect the cover; e.g. that you can use the equipment at the top of a mountain, standing on one foot, as you overhang a 1000ft sheer cliff face, all in order to get that once-in-a-lifetime landscape.

  7. #7
    Bettyboo's Avatar
    Join Date
    Dec 2010
    Location
    North Hampshire, England
    Posts
    67
    Real Name
    Lynne

    Re: Equipment Insurance

    Just checked and you are spot on Gents,

    The total high value cover is 5000 which is fine and I will look to increase that slight when I review in December and any one single high value item cover is 1500 and that is the price of the highest value body I have, the D700, so perfect.

    You have saved me unnecessarily spending money for something I didn't need at the moment, so thank you very much indeed, much appreciated, GO CIC

  8. #8
    Bettyboo's Avatar
    Join Date
    Dec 2010
    Location
    North Hampshire, England
    Posts
    67
    Real Name
    Lynne

    Re: Equipment Insurance

    Ady, sorry hadn't checked for other replies before I replied, if that makes sense? Thanks for that information I will definitely start looking at this now for the future.

    Thanks again Donald, yes good point and I am going to contact them anyway with an individual list so I will check in more detail for 'fine print'.

    Thanks again much appreciated.

    Lynne

  9. #9

    Join Date
    May 2012
    Location
    northern Virginia suburb of Washington, DC
    Posts
    17,916

    Re: Equipment Insurance

    Quote Originally Posted by Donald View Post
    that you can use the equipment at the top of a mountain, standing on one foot, as you overhang a 1000ft sheer cliff face, all in order to get that once-in-a-lifetime landscape.
    My wife was recently holding my pants and belt with both hands as I was leaning over the edge of a cliff to get a better angle on the bottom of a waterfall. Trust me when I say that the last thing I was worrying about at the time was whether my camera equipment would survive.

  10. #10
    ktuli's Avatar
    Join Date
    Mar 2011
    Location
    Pittsburgh, PA
    Posts
    1,518
    Real Name
    Bill S

    Re: Equipment Insurance

    Quote Originally Posted by Mike Buckley View Post
    My wife was recently holding my pants and belt with both hands as I was leaning over the edge of a cliff to get a better angle on the bottom of a waterfall. Trust me when I say that the last thing I was worrying about at the time was whether my camera equipment would survive.
    I plunge my camera into the ocean as often as possible... so yeah, worrying about whether my camera equipment will survive is something I worry about, but a lot less so with it insured.

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •