Camera Insurance

[glsammy]

Camera insurance isn't what it always seems when you look at your content insurance cover for cameras. 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!

[Boddie]

Thats a good point.

Prevent burglars stealing everything in your home by simply moving everything in your house into your bedroom when you go to bed. In the morning simply move it back again

[DaiTheDragon]

What makes you think they won't come into the bedroom and take everything.

Dai

[GerryNick2]

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

[Paul mabbott]

Only useful for people over a certain age but SAGA has a very good insurance policy which allows quite a lot of valuable items (10 I think) to be added on freely/cheaply as long as they are notified. They're also quite cheap on *very* expensive items. Don't remember the details but always worth getting a quote .... if you're old enough!

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!

[henrya]

Originally Posted by Boddie

Thats a good point.

Prevent burglars stealing everything in your home by simply moving everything in your house into your bedroom when you go to bed. In the morning simply move it back again

So what do you do during the day, when you are out/at work?

henrya

[glsammy]

I've added on the extra cover, costing another £30 per year. At least they will pay out if the goods are taken from an unattended car, provided they're out of sight. Some companies wont.
I'm now paying about £62.00 per year to cover the camera etc. I'll have to look around and see if I can get any better.

[MTR]

I hope Fourwings is reading this
Mark

[glsammy]

Originally Posted by MTR

I hope Fourwings is reading this
Mark

Is our Steve uninsured?

[Beryl]

I thought I was covered when a concrete slope came up to meet me on the estuary and smashed my £200 lens of two weeks. I wasn't.
I honestly can't emagine wheeling my Huge TV and all my furniture and longe stuff into my bedroom avery night and back again in the morning to prevent it getting nicked at night by a burgalar.
I would be very fit in know time it's true I must admit