Camera insurance needed

Discussion in 'Photography Forums' started by Keithhampson, May 2, 2007.

  1. Keithhampson

    Keithhampson
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    Hi I have just bought myself a canon digital camera worth 300 notes, now I want to insure it against accidental damage and breakdown, who will give me the cheapest cover? L and G want 60 quid for 3 years, can anyone beat this?

    Regards Keith
     
  2. dave_bass5

    dave_bass5
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    Can you not just put it on your household insurance. I have found that to be the cheapest way. Get extended cover and your sorted.
    I actually use photoguard but i dont know how cheap they would be just for one camera.
     
  3. Pirate!!

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  4. mwncidur

    mwncidur
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    Thats a Question I've been meaning to ask for ages:rolleyes: great link guys, cheers:smashin:
     
  5. ScottBT

    ScottBT
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  6. dave_bass5

    dave_bass5
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    you didnt read my post then ;)
     
  7. ScottBT

    ScottBT
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    Slightly cheaper doing through Photoguard.:thumbsup:
     
  8. dave_bass5

    dave_bass5
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    Ah, but i said i was using Photogaurd.
    No problem, at least you got it sorted
     
  9. geofftelforduk

    geofftelforduk
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    Anything less that £1500 should be automatically covered under your house insurance!

    Thats the way mine is! Doesnt matter what the total value is! Its based on individual item value!!
     
  10. dave_bass5

    dave_bass5
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    I think if you take the items out of the house you have to have extended contents insurance but your right, at least with mine its any individual item up to £1500
     
  11. geofftelforduk

    geofftelforduk
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    Yeah thats correct! I have the extended contents insurance!! Saves havin to pay for a separate policy!
     
  12. dave_bass5

    dave_bass5
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    yeah, the only reason i went with photoguard is that this way my other half doesn't find out how much ive spent on camera gear;)
    I do also have a policy with Musicguard for my Bass gear. both the same company. so far not had to make a claim though.
     
  13. Mark123

    Mark123
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    Say your camera bag was nicked, would you have to pay your excess on each item or would it be one excess payment for the whole lot - may be worth checking out.
     
  14. geofftelforduk

    geofftelforduk
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    Good point fella! I will check that out tomorrow!!
     
  15. Pirate!!

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    Ahoy!

    Thought I'd check out my home/contents policy to see what's what and made a call to the insurer.

    In short, cover would only apply if damage/loss occured in the house, not in the garden or within the boundaries. Accidental cover in my case is £500 less £50.00 excess.

    So, unless you specify an item(s) in the policy, home/contents cover may well not cover the total cost of any loss and it may be subject to where any loss took place (i.e; in the garden).

    It would be worth checking your policy small print for exclusions as it would appear if you need specific item coverage, an additional premium will have to be paid, but even then it may not be covered if damage/loss takes place outside the home. Catch 22!

    These days, a body will be around £400 and a lens circa £200.
     
  16. dave_bass5

    dave_bass5
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    Its extended cover you need and yes, it costs extra but can still work out cheaper.
     
  17. jenufa

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    Have to agree with Dave it does cost more for the extended but that covers any item you may lose not just your camera gear.
     
  18. Magslad

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    All depends on the specific home insurance policy, but generally if you have a combination of contents cover, accidental damage cover, and 'personal possessions away from the home' cover you should be covered for pretty much all circumstances up to the policy limits.

    I rang my insurer (esure) about 6 months ago to make sure I was covered for my kit, given that total replacement value would be about £2,000. Took them through the individual item values, made sure everything would be covered wherever I was, whether lost/stolen/dropped etc. The total additional premium worked out at £19 per year - never looked at specific policies with anyone like photoguard but can't believe it would have been cheaper than this.
     

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