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Camera on household insurance

Tobers

Well-known Member
I just enquired about insuring my 1D on my household insurance. I've already got cover for "posessions away from home" and extended accidental damage. As the camera is worth over £2k they need to see the purchase receipt which is easily sorted.

The cost to add it was only £16 - result!
 

mpritch

Active Member
From what I understand from my house insurance, if each individual item is less than 1K then it is automatically insured - in or away from the house, accidental damage also. I asked if my bag full of individual pieces, each less than 1K, but combined value of say 3k was dropped / stolen in one go etc I'm apparently covered.

I still feel slightly uneasy, and will 'doubly' confirm this again. I want to check what reciepts or proof of ownership I need. In the meantime, I've listed ALL my equip with serial numbers, and have photo 'gd each bit individually and as a group shot. Scary thing is looking at the final replacement value of all the kit - double what I thought it would be - accessories soon add up.

Mark.
 

Luffy

Active Member
Must check mine I'm fairly sure that items £500 or less are covered but that won't cover the 40D or laptop. :eek: Time to dig out the policy I think.
 

BananaTiger

Active Member
I was thinking about this the other day. What happen if all your kit and receipts were burnt down in your house. How do you prove to the insurer that you actually have all the kit that I have? I wonder if a photo of all your kit would be sufficient, or do you need a copy of the original reciept somewhere?
 

hot-fuzz

Banned
I still feel slightly uneasy, and will 'doubly' confirm this again. I want to check what reciepts or proof of ownership I need. In the meantime, I've listed ALL my equip with serial numbers, and have photo 'gd each bit individually and as a group shot.

WOW,
:eek:
i told my insurance that i had a Canon 40D with some lenses adding up to ££'s. I have obviously got the reciepts, but i havent done half as much as you.
Blimey, makes me think i had better do something about it, but as the post above me says, what if it is burnt, or stolen ??
 

Luffy

Active Member
I was thinking about this the other day. What happen if all your kit and receipts were burnt down in your house. How do you prove to the insurer that you actually have all the kit that I have? I wonder if a photo of all your kit would be sufficient, or do you need a copy of the original reciept somewhere?

what happens if the photo was in the house.
 

belfastblitz

Active Member
I'm actually in the insurance business and I always tell my clients not only to photograph their stuff... but also to email it to themselves via hotmail,gmail,yahoo etc. All these accounts have massive storage which means that your pics should be safe even if all your kit and house burn down!!
 

geofftelforduk

Active Member
From what I understand from my house insurance, if each individual item is less than 1K then it is automatically insured - in or away from the house, accidental damage also. I asked if my bag full of individual pieces, each less than 1K, but combined value of say 3k was dropped / stolen in one go etc I'm apparently covered.

I still feel slightly uneasy, and will 'doubly' confirm this again. I want to check what reciepts or proof of ownership I need. In the meantime, I've listed ALL my equip with serial numbers, and have photo 'gd each bit individually and as a group shot. Scary thing is looking at the final replacement value of all the kit - double what I thought it would be - accessories soon add up.

Mark.

Hi Mark

Yeah I was in the same position (and asking the same questions) as you and my insurance company confirmed what you where saying about all the stuff in the bag getting lost or stolen! Its a strange way of doing things but I am glad thats the way they do it or it could become pretty tricky.

Not sure about the second bit cos I dont have receipts for a lot of the kit I have. Mmmm, interesting!
 

Tobers

Well-known Member
I originally thought my stuff was covered, but it turned out I didn't have the "accidental damage" cover nor did I have "personal possessions cover when away from the house". I added both of these for £67 a few months back, but had separate insurance for my camera kit from a specialist supplier.

I'll let that lapse now I've got cover from the house insurance, but it'll leave me without any 3rd party indemnity insurance which I think I'll need from time to time so I might see if I can just get that cover from the specialist place.
 

senu

Distinguished Member

Radiohead

Well-known Member
For those using their cameras professionally be careful with household insurance - if they find out they might wriggle out of a claim.
 

scharf_10

Active Member
what happens if the photo was in the house.

If you uploaded it to an online Flickr account then it would maybe make it easier, or make duplicate copies and put one in another person's house.

Maybe I'm thinking too much into it.;)

Scharf.
 

HMHB

Distinguished Member
I've got my camera gear as an extra on my household insurance and so it's covered for accidental damage or theft outside of the house. BUT my cover is for £1500 and that means the whole of the camera (I asked them specifically), so if my camera + attached lens came to over £1,500 I'd only be covered for 1.5K. I can change this amount whenever I want so If I do get that longer L lens I dream of I must remember to tell them !
 

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