Camera Insurance & Travel

Thatsnotmynaim

Well-known Member
Anyone got any advice on insurance for cameras when traveling?

We have just found we have several problems with an up coming trip abroad despite thinking we had sufficient cover from both our home and annual travel insurance :-

1. Our travel and home insurance does not cover us up to the value of equipment we are taking although we may be able to sort that by increasing the cover!
2. Our travel and home insurance does not cover our kit, whilst in the hold as it is the responsibility of the airlines!
3. The airlines will cover kit in the hold, but only upto a value of £300!!

I'm guessing it may be wise to get some more specialist insurance, but I don't know where to start!

:confused:
 

T0MAT01

Novice Member
I was looking into this a little while ago and the excess is staggering if you claim for an incident overseas, IIRC it's some ridiculous figure like 50% (although it'll no doubt vary with different companies) and when combined with the initial premuim and the fact it wasn't new for old cover I decided it just wasn't worth it.

I expect you'd be better off by increasing your existing travel insurance to include your camera gear TBH.
 

bowenjones

Well-known Member
I added £3000 worth of possessions to my Home and Contents insurance which came to an extra £4 a month. I am covered for accidental damage and theft worldwide and I'm not limited to how much I can claim for any single item. As I will be traveling by air next month, I've contacted my insurer regarding having to put my camera equipment in the hold and they told me that any damage will be covered as they will make the claim against the carrier and the fact that the carrier has a £300 single item limit is irrelevent. The single item limit only applies if you personally make a claim against the carrier yourself.
 

bowenjones

Well-known Member
T0MAT01 said:
I was looking into this a little while ago and the excess is staggering if you claim for an incident overseas, IIRC it's some ridiculous figure like 50% (although it'll no doubt vary with different companies) and when combined with the initial premuim and the fact it wasn't new for old cover I decided it just wasn't worth it.
My excess will be £60 for any claim I make either at home or worldwide. As you said, this figure can vary dramatically depending on who you insure with.
 

T0MAT01

Novice Member
bowenjones said:
I added £3000 worth of possesions to my Home and Contents insurance which came to an extra £4 a month. I am covered for accidental damage and theft worldwide and I'm not limited to how much I can claim for any single item. As I will be traveling by air next month, I've contacted my insurer regarding having to put my camera equipment in the hold and they told me that any damage will be covered as they will make the claim against the carrier and the fact that the carrier has a £300 single item limit is irrelevent. The single item limit only applies if you personally make a claim against the carrier yourself.

That sounds better than having a dedicated camera policy! :suicide:

Well worth looking into, thanks. :)
 

Thatsnotmynaim

Well-known Member
bowenjones said:
I added £3000 worth of possesions to my Home and Contents insurance which came to an extra £4 a month. I am covered for accidental damage and theft worldwide and I'm not limited to how much I can claim for any single item. As I will be traveling by air next month, I've contacted my insurer regarding having to put my camera equipment in the hold and they told me that any damage will be covered as they will make the claim against the carrier and the fact that the carrier has a £300 single item limit is irrelevent. The single item limit only applies if you personally make a claim against the carrier yourself.
Thanks that sounds hopeful. Who is that with, if you don't mind me asking. I think ours is Norwich Union and it was a flat no it's not covered when in the hold. :thumbsdow
 

bowenjones

Well-known Member
It's with a company called Paymentshield. This policy was recommended by my financial advisor the last time I re-mortgaged about 12 months ago. I'm not sure if you can set up a policy with them yourself or only through an intermediary but I'll PM you their phone number anyway.
 

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