[snowythebudgie]

Can somebody help with Camera insurance advice please. I am needing to insure my camera until just the end of the year because I will be moving to the Netherlands at that point. does anybody know of any suitable policies? Thanks

[dazza74]

Originally Posted by snowythebudgie

Can somebody help with Camera insurance advice please. I am needing to insure my camera until just the end of the year because I will be moving to the Netherlands at that point. does anybody know of any suitable policies? Thanks

You may already have camera insurance if your household contents insurance has cover for accidents away from the home. I had to make a claim on mine for a new D80 and 70-300mm VR earlier in the year.

[Peakoverload]

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

[snowythebudgie]

Cheers, but I'm only now in the UK for another 4 months and I can't get home insurance cover for the time. Can't even get standard camera cover for less than a year either. The only thing I found is gadget cover, which is pricey but at least will cover me for a month. I live in Hackney and would love to photo the place before I leave, but its the crime capital of the UK hence my need for insurance!

[Peakoverload]

Well if you are moving to the Netherlands than I assume you will be getting household insurance out there? All you then need is to cover the time flying to the Netherlands for which holiday insurance will probably be fine.