camera insurance

[Phil Pascoe]

My daughter has to have a (reasonably) serious camera for work - can anyone recommend decent insurance?

 

[flying haggis]

will it be covered by house contents insurance even if not in the house

 

[Phil Pascoe]

As her addresses are temporary at the moment, that's one we'd like to avoid. We're thinking breakdown and damage besides theft.

 

[petermillard]

From what I can remember 'back in the day' camerasure and photoguard were the ones that offered any kind of mechanical breakdown element to their 'all risks' policies. Again, from what I can remember the cameras had to out of warranty, obviously, and the policies weren't cheap.
HTH, Pete

 

[Alexam]

My household insurance covers any possession I have that is away from home up to £5,000. so if the camer belonged to the insured, then it's covered. Not sure what value there would be with camera, lenses, tripod possibly lights, card, battery etc, which covered me when I was into photography in a big way ....... before woodworking came along

Malcolm

 

[El Barto]

Photoguard are good. When I was shooting professionally I used them, they were reasonably priced and covered absolutely everything - cameras, lenses, accessories, laptops.

Worth checking out I reckon.

 

[Lons]

My household insurance covers any possession I have that is away from home up to £5,000. so if the camer belonged to the insured, then it's covered. Not sure what value there would be with camera, lenses, tripod possibly lights, card, battery etc, which covered me when I was into photography in a big way ....... before woodworking came along

Malcolm

Have to be a little careful with that Malcolm and read the small print.

My son had all his gear with him in Manchester for a meeting / overnight stay as he had the next day off and wanted to come back via the lakes to take photos. Had to park in a multi storey linked to the hotel, took His overnight bag and briefcase etc out and backed his company car ( vauxhall insignia ) against the wall and went to check in.
His photographic gear was in the boot along with an award and $500 US he'd won and went to check in the hotel. Was away less than 30 minutes, went back for his gear and it was gone. They'd got in the drivers door and through the back seat as they couldn't get the boot open.
The police said his key had been cloned which happened regularly and they couldn't identify the 2 guys from CCTV even though brightly lit.

He lost mare than £4000 in equipment.

He had insured the body separately and his home insurance was same as yours but because in a car even though a locked boot, cover was limited to £500. The insurance company accepted he'd been misled but the very small print was there and as a "gesture" they waived the £100 excess! :roll:

 

[lurker]

I don't think anything depreciates a quickly as cameras
If it's six months old, a second hand replacement will be half the retail.
Might not be worth bothering

I have not bought new for 10 years !
My kit has a 2 year lag behind the GAS*boys
Some of my best lenses a 30 years old :shock:

*Gear aquiring (sp) syndrome

 

[Alexam]

When I moved from photography to woodworking, three lenses funded all my equipment. I still have the 7D and a good lens but not using it at all now.

 

[Claymore]

+1 for Photoguard very good rates and no problems if you have to make a claim unlike the scheme Jessops used to have where they would try and get out of paying.
see here https://www.photoguard.co.uk/ make sure she has a camera bag that doesn't look like a camera bag when she's out an about as the vermin know what to look for, Billingham bags are best avoided unless your built like Hulk Hogan.

 

[Lons]

When I moved from photography to woodworking, three lenses funded all my equipment. I still have the 7D and a good lens but not using it at all now.

I've hung on to my old 400d and an 18 - 200 IS lens which does everything I aspire to these days for general photos. I never was much good at photography tbh so could never blame the equipment. #-o

The evolution of cameras in smartphones has reduced the need for a heavy camera though I still lug mine around on holiday.

 

[stuartpaul]

If it's work related (has to have) then surely it'll be covered on her employers insurances? Obviously a need to take reasonable care of the kit but as 'work equipment' it's their issue. Are they buying the camera as well?

 

[Phil Pascoe]

No, I meant work in the sense of degree work (and possibly difficult situations) as opposed to straight hobby and pleasure use. It will be new and thus under warranty, so I suspect the insurance idea will be shelved ... but swmbo will do as she pleases and not necessarily that which is logical and sensible. I am merely providing food for thought.

 

[Alexam]

..... but swmbo will do as she pleases and not necessarily that which is logical and sensible.

Just make sure she doesn't see this or your food for thought could result in far lkess food for you. :lol: :lol:

 

[YorkshireMartin]

Try Cliik. I've had my insurance with them for a few years. I've never claimed, though.

http://www.cliik.co.uk - mods can I post this? No affiliation etc.

Depending on the value of the camera gear, it might not be worth it because fully comp commercial camera insurance is really rather expensive, circa £300yr/£10k.