Camera gear insurance

[=adrian=]

I am considering insuring all my camera gear. I never had a problem yet, but who knows what can happen in future. I am also going abroad soon and will be taking some of my camera gear with me.

I've done a quick quote with 2 companies and they are around £120-130 for a year.

Do you have your gear insured, if so who is a good company and who to avoid?

I've also added a poll here

 

[tonkie]

Do you have your gear insured,

All on my house insurance with no extra to pay as every item I have is less then £2000

 

[razer1]

Ive just insured 2.5k's worth with photo guard for £110 a year. This includes third party cover too due to shooting events recently and wanting to do more this year hence the 3rd party.

Ive insured my main things though. camera body, macbook, sigma lens and then misc stuff.

 

[Tinywerz]

Just add your gear to your home insurance, mine cost no extra and is covered for accidental as well.

 

[=adrian=]

No home insurance, so I can't use that. I think the total value would be something like £5k. Main reason to do it now is my trip abroad soon. I want to take my camera + lenses + tripod + misc stuff (few grands worth) and would prefer to have some peace of mind.

I take that insuring gear for just that trip is not possible? I'd much prefer to pay monthly by DD rather than in one lump sum if getting annual insurance anyway, but can't see options like that anywhere.

 

[razer1]

I pay for mine by DD with Photo guard. Not sure how much 5k's worth would be but mine was 10.36 a month for 2.5 with third party cover too.

 

[shotokan101]

if using home insurance you need to check if they have a claim limit for a "collection" of items as (at least for theft) it's unlikely that only a single "item" will be involved....

 

[=adrian=]

I pay for mine by DD with Photo guard. Not sure how much 5k's worth would be but mine was 10.36 a month for 2.5 with third party cover too.

£230 per year (£21.50 per month) for 5k + EU cover + in-car cover. A bit much IMO, more than my car insurance and the car is worth more.

 

[razer1]

Yeah that is a bit much.

Shop around is all I can say! For me, photo guard was the cheapest.

 

[Dancook]

With my Aviva contents insurance. I get worldwide cover for up to £5000 on personal belongings for accidental loss, damage or theft. I have to specify individual items over £2000 - so just my 200mm f2.

However that will just about cover me for camera, grip and that lens... so I need to look at increasing it.

 

[=adrian=]

If I drop the value to 4k which just covers the content of my camera bag and de-select in-car cover, plus increase the excess from £50 to £250 I can get it for £135 (£12.71 per month). Much better but that's compromising a bit. Should however cover my trip, but won't cover any of the studio stuff.

 

[SevloW]

My house contents insurance (Direct Line) covers my gear both in the UK and abroad. I also have accidental cover. Which is enough for the gear I have left as I have sold my L glass and other lenses.

 

[HouseTonyStark]

does anyone have a tip on global camera insurance that covers worldwide all year round?

 

[Sarg0r]

There is another thread on here recently -I put links in there

 

[=adrian=]

When declaring equipment with Photoguard did you declare your PC equipment as well? It is pushing me over £6.5k already and I did not even start with the small stuff yet

 

[shotokan101]

stop boasting already.....

 

[=adrian=]

stop boasting already.....

Heh, I wish. It was a genuine question. In the end I decided only to insure the stuff that I frequently take away from home. I left out computer and studio gear.