Camera Labs

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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Nikon D700 & D7100 bodies + Nikkor 300mm F2.8 VR11, 1.7TC, 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

http://www.flickr.com/photos/oldcarlos/

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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Nikon D300 / 35mm f1.8 / 300mm f4 / TC-14E II
Pentax K200D / DA 18-55mm / DA 55-300mm
Flickr

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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-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

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???

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http://www.flickr.com/photos/53061745@N02/

Panasonic G3: 9-18mm, 14mm, 20mm, 45mm

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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Mark Osborne
My life through an iPhone

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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Nikon D700 & D7100 bodies + Nikkor 300mm F2.8 VR11, 1.7TC, 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

http://www.flickr.com/photos/oldcarlos/

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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Canon DSLRs: 7D, 5D2, 1D, 600D, 450D full spectrum, 300D IR mod
Lenses: EF 35/2, 50/1.8, 85/1.8, 135/2+SF, 28-80 V, 70-300L, 100-400L, TS-E 24/3.5L, MP-E 65, EF-S 15-85 IS
3rd party: Zeiss 2/50 makro, Samyang 8mm fisheye, Sigma 150 macro, 120-300 f/2.8 OS, Celestron 1325/13
Tinies: Sony HX9V.

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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Mark Osborne
My life through an iPhone

The insurance service for Camera Equipment are not available in my country

So if it busted its all over.

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Soon.....

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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http://www.AnderssonPhoto.com
Cameras: Leica M8, Nikon FE-2, Canon EOS 1D Mark IV, 5D Mark II, 40D
Lenses: Voigtländer Nokton Classic 35mm 1.4, Ultra Wide Heliar 12mm 5.6 ASPH II, Nikkor AI-S 28mm 2.8, Canon 24-70 2.8L, 85mm 1.2L II, 300mm 2.8L IS, TS-E 45mm 2.8, Sigma 105mm 2.8 Macro
Canon 1.4x/2X TC II, Canon 580EX II X2, Gitzo + Manfrotto.
Wishlist: Leica Monochrom, Summilux 50 ASPH, Voigtlander 35mm 1.2 ASPH II

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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Canon Powershot S95, Canon 7D, 15-85, Canon 85 1.8 USM, Sigma 30 1.4, 50mm 1.8, Canon 100 2.8L IS Macro, Canon 70-300L IS USM+Kenko 1.4 Pro 300DGX, Canon 430EX II and RS 4 Classic

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

yep, my 300mm 2.8L IS is defo insured ^^

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http://www.AnderssonPhoto.com
Cameras: Leica M8, Nikon FE-2, Canon EOS 1D Mark IV, 5D Mark II, 40D
Lenses: Voigtländer Nokton Classic 35mm 1.4, Ultra Wide Heliar 12mm 5.6 ASPH II, Nikkor AI-S 28mm 2.8, Canon 24-70 2.8L, 85mm 1.2L II, 300mm 2.8L IS, TS-E 45mm 2.8, Sigma 105mm 2.8 Macro
Canon 1.4x/2X TC II, Canon 580EX II X2, Gitzo + Manfrotto.
Wishlist: Leica Monochrom, Summilux 50 ASPH, Voigtlander 35mm 1.2 ASPH II

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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Gear: Nikon D80, 18-105mm, 35mm F/1.8, 85mm F/1.8, SB-600
Visit my work here

if my gear is outside of house, it is always with me, i would never leave it in car.

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I'm new to DSLR's, so please be patient and take my opinions with reserve. Thank you : ) Yes, i am Canon man.
Google + My picasa photos My 500px album
Canon 60D + 15-85mm f3.5-5.6 IS, Canon 70-200 F2.8L IS II, Canon 430EXII, polarizing filter 72mm,
Canon AT-1, 50mm FD F1.8
Canon A430,