Quote:
Originally Posted by glsammy  Just a quick post to alert some of you to a potential problem with contents insurance, when used for camera equipment. I thought I had everything covered, I had away from home full cover, up to any one item costing no more then £1,500. No problem I thought, my camera, lenses etc. were all bought separately, so no one item cost more than £1,500.
It was whilst I was checking my policy to compare with another that I noticed some small print that makes my equipment under insured.
If any items are used as a group, i.e. camera equipment, then the insured limit applies to the whole group and not to individual items, so my cover is limited to £1,500 max. Nowhere near enough. 
I can add on at extra expense for items worth more than £1,500, which is what I'll be doing first thing in the morning.
No doubt you lot are all better organised than me, so you'll know this already!  |
Insuring any expensive equipment removed from the home whether it be sporting equipment or camera equipment can be a bit of a nightmare. I would strongly recommend that you document the equipment and obtain written confirmation from your insurance company as to the extent of coverage and in what circumstances you are covered.
I made a point of itemising all my camera equipment and sports equipment along with replacement value and registered it with my insurance company. Last year I broke a very expensive piece of fishing equipment and had to make a large claim. As it was listed and appended to the house contents policy there was no questions asked and I received the cheque within the week.
When travelling abroad it is also wise to take further precautions to ensure you are adequately covered. Due to previous problems experienced colleagues going on a photo shoot abroad now notify their insurance companies in advance of where they are going, duration and equipment being taken.
Gerry