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Camera/lens insurance?
Do you have specialist camera insurance? 23%  23%  [ 6 ]
or insured on your home contents policy? 12%  12%  [ 3 ]
Not insured 65%  65%  [ 17 ]
Total votes : 26
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PostPosted: Tue May 24, 2011 7:35 pm 
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Joined: Mon Sep 13, 2010 7:01 pm
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Location: NW England
I was wondering how many folk on here actually have their equipment insured?

Also, can anyone in the UK recommend an insurer to me please. especially if you've needed to make a claim & were treated well/satisfied & they didn't try to wriggle out of the claim.

I need to ring my home insurer to check just how much extra they'll charge to fully cover my gear.
while searching on the internet I noticed SOME policies also cover gear stolen from a locked vehicle, while others don't. Same goes for accidental damage (replaced new for old, if can't be repaired) & travel abroad doesn't seem to be universal amongst insurers.

I hope I never need to claim, but want decent cover if I do

Thanks in advance.

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PostPosted: Wed May 25, 2011 1:46 am 
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I have my gear insured as part of my home insurance policy. Everything is itemized and valued at new-purchase price, so should something happen I should not have to worry about depreciation. I've never had to make a claim, but I appreciate the security. My policy covers loss and theft as well as accidental damage, both at home and while traveling. Gives me piece of mind to know that if I take a nosedive while out taking photos, I won't have to worry that I've cracked my 300mm prime.

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PostPosted: Wed May 25, 2011 4:14 am 
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Joined: Tue Jul 27, 2010 8:57 am
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Location: Winterpeg, Manisnowba, Canada
Interesting that you mention this, I was wondering about it as I'll be traveling to New York a few times this and next year, as well as Toronto and I wanted to insure my DSLR and lens (or any lenses that I'll be purchasing in the future). I'd think that the best decision would be to bundle with home insurance, that's most likely what I'll end up doing.

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PostPosted: Wed May 25, 2011 10:05 am 
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Joined: Fri Aug 01, 2008 8:27 am
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Location: Hanoi, Vietnam
Unless you're particularly clumsy or unaware of environmental threats, buying specialist insurance is an utter waste of money.

In addition to all the admin costs of your insurance company, your premiums will have to cover their profits before you even think about the true risk cost of being underwritten.

If you still think you can see some value in getting insured, then get a quote and ring-fence that amount in your own bank account to insure yourself. It's far far more cost-effective, and even if you're a clumsy sort, you will end up with +ve expectation in the long run.

I challenge anyone to disagree.

Obviously, this doesn't fully apply to insurance for catastrophic events such as building, life, medical.

But camera insurance??? :shock:

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PostPosted: Wed May 25, 2011 10:06 am 
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Joined: Mon Jan 14, 2008 1:25 pm
Posts: 2619
Location: Scotland
I use E&L photo insurance, covers all my gear in,out, on location, in parked cars etc, it also comes with liability insurance (incase my equipment damages a human). It's cost £9.98 a month.

http://www.eandl.co.uk/camera-insurance

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PostPosted: Wed May 25, 2011 11:20 am 
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Location: NW England
jaxzwolf, it's also my 300m prime that's my main concern (certainly as a single item)

EvanK, i'm gonna look at my home/contents ins to see which is the best way to go. Even with, say a £250 excess it would more than pay for itself on a major item, let alone losing a bag full with nearly everything in.

Thanks Mark, i've seen E&L & also photoguard & aaduki. I'll check them out & sort something soon.

kimchi, it's horses for courses really. insurance is exactly what the name implies.....insurance! I'd hope never to have to claim on ANY insurance, but if it covers the unexpected, takes the biggest % of any damage/loss & gives me peace of mind, i'll be happier.

Thanks guys.
Any more, or anyone actually made a claim?

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Image btw,He who dies with the most toys, WINS!
Nikon D800E & D700 bodies + Nikon 200-400mm F4 VR1, 50mm F1.4G, 16-35mm f/4G VR, 105 F2.8 VR macro, 70-300mm lenses. A couple of filters, Giotto tripod & ballhead. Lowepro Slingshot 302 AW
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PostPosted: Wed May 25, 2011 11:29 am 
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Location: UK
I'm generally with kimchi on this one, at least for amateurs. The prices for dedicated cover costs are never quite low enough to make me think it is worth it.

If you're going pro, then I think it is more important as the economics are very different there. Plus public liability insurance is often included.

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PostPosted: Wed May 25, 2011 2:06 pm 
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Joined: Mon Jan 14, 2008 1:25 pm
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Location: Scotland
The reason i chose specialist camera insurance is that i don't want my house policy affect with photo claims, monthly cost going up, higher excess. I have already claimed on a new lens, camera and laptop through photographic work (working at heights, large studios etc), i'm no were near professional yet but i still like to keep my camera and house contents separate.


EDIT: i don't cradle my equipment, i see it as tools.

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PostPosted: Thu May 26, 2011 5:20 pm 
The insurance service for Camera Equipment are not available in my country :(

So if it busted its all over.


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PostPosted: Thu May 26, 2011 11:49 pm 
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Joined: Sun Dec 28, 2008 8:07 pm
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Location: Taiwan / Sweden / Scotland
mine is insured by "Folksam" in Sweden.

I have to insure mine Especially my 1D Mark IV and all the L Lenses xD

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PostPosted: Fri May 27, 2011 1:48 am 
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Joined: Mon Dec 11, 2006 7:01 am
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Location: bit east of Melbourne
I am with kimchi.


I just did a quick quote from here
http://cameraclubinsurance.com.au/quote

$5000 worth of gear====$400

I guess if you regularly put your camera gear into hazardous situations it might be worthwhile.

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PostPosted: Sun May 29, 2011 7:09 am 
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Joined: Tue Jul 27, 2010 8:57 am
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Location: Winterpeg, Manisnowba, Canada
I don't know about you, but if I owned a 300mm f/2.8 I'd DEFINITIVELY insure it! Of course, that's just me and I don't like to take risks.

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-Evan

Gear: 7 Nikon Nikkor AI-S and AF-S lenses, SB-700 flash, Nikon D7000, Nikon FM, variety of accessories

"There are no rules for good photographs, there are only good photographs."
- Ansel Adams


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PostPosted: Sun May 29, 2011 9:26 pm 
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Joined: Sun Dec 28, 2008 8:07 pm
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Location: Taiwan / Sweden / Scotland
yep, my 300mm 2.8L IS is defo insured ^^

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Equipment: A blend of Canon, Nikon, Yashica, Leica, Voigtlander, Samyang and Sigma. All of which you can see on my website!
Wishlist: Leica M 240, Summilux 50 ASPH, Summilux 24 ASPH


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PostPosted: Mon May 30, 2011 8:22 am 
Once I'll start my career as a photographer,I will insure my gear. Until then,there's always the option of a gun. :) (kidding)


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PostPosted: Mon May 30, 2011 6:04 pm 
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Joined: Thu Jul 22, 2010 3:13 pm
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Location: Slovakia
if my gear is outside of house, it is always with me, i would never leave it in car.

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