| Re: Insurance advice please
As a 'general' rule of thumb.
You don't need dedicated camera insurance unless you earn money from photography.
A more detailed answer though is slightly less clear.
Your general household insurance invariably will cover items whilst away from the house, HOWEVER, some policies state that if an item is over x value then it HAS to be a named item for it to be covered whilst away from the home. Generally this figure is in 4 figures but if you had an expensive lens then you may find that this would need to be named in order for it to be covered. Don't forget though that GENERALLY this is all about single item value and not your entire camera gear.
Basically you need to check your household policy and really read the small print and exceptions.
If your home insurance doenst give you adequate cover and you don't earn money from photography than you may well find that it's cheaper just to 'upgrade' your household policy than to take out dedicated camera insurance.
If you do go for dedicated camera insurance REALLY make sure you read the small print and some companies like E&L are truly, truly awful at the number of 'get out clauses' that they put in their policies that invariably mean that you'll never get a pay out unless the camera is ripped from your neck in your own home whilst surrounded by armed body guards all of who's names also feature on the policy. The single biggest thing to not only check but to understand is what the insurers policy is on if the camera is stolen when it's not in your posession i.e. whilst it's locked in a car. Many, many insurers simply do not cover such loss and the few that do often stipulate that the car must have certain types of locks etc.
HTH
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My Kit: A camera and some lenses
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