View Full Version : Advice on Photographic Equipment Insurance
6th February 2006, 10:18 PM
Okay guys I need the benefit of your advice again please!
Insurance on equipment. I hav been spending lots of pennies again and consequently need to upgrade my insurance. E&L are saying £56.25 per month for 13K worth of equipment.
Now this is all risks, pro, unattended car cover & overseas cover. There policies also provide free Public Liability Insurance (so they should at that price)!
Can you convince me that this is a reasonable price to pay - cos I can't believe it is that expensive?
6th February 2006, 10:40 PM
I'm with E&L as well and as yet not claimed anything *touch wood*.
I pay 14 quid a month...
My D70 that's gone wrong is going to be about 100 quid to fix
so not going to claim on that one...
The free pub Lib is a suprise... I had to get it seperate...
How much does that cover you for?
6th February 2006, 11:39 PM
As an amateur, my insurance requirements are quite basic. I did take out insurance with E&L when I got my first DSLR, but dropped them after a few months when they sent me a letter saying that I would be pleased to see that they had added some additional benefits, which I did not need, and increased the monthly premium appropriately. Since I already considered I had more cover than I really needed, I was not amused by this tactic.
6th February 2006, 11:42 PM
Yup they tried the same with me.....
7th February 2006, 07:34 AM
personally I dont have any of my kit insured seperately, it's all through my house insurance, it is covered new for old, accidental, on holiday while abroad, if stolen from the car etc. In fact it's covered no matter the eventuallity. It cost me about an extra £15-20 on my contents insurance and as long as no single item is over £2000 to replace they will pay out. If any item is over that price then I would have to provide serial numbers and so on and it will add a little cost to the premium. It even covers all my darkroom kit which is in my father in laws garage (now darkroom :) ) 4 miles from my house. It is worth speaking to your contents insurer, although for that amount of kit I would insist on speaking to the face to face and not over the phone, it's so easy to tell porkies down the phone.
7th February 2006, 10:58 AM
Thanks guys but if you are using your equipment "porfessionally" :confused: , then often your current insurance (contents insurance) is invalidated. Therefore my premiums are based on operating professionally?
I also had to have a monitored alarm fitted because of breaking the 10K barrier?
7th February 2006, 08:32 PM
I'm with Liverpool Victoria and my gear is covered for pro use in the UK in my house contents; items over £1k have to be declared.
Recently one of my g-d's dropped a laptop, it was repaired without question or excess and when the repair failed a new replacement supplied. no form filling either.
Worth asking your insurers what they can do for you as an existing customer.
7th February 2006, 08:36 PM
Check "home insurnace"....
Will they get you a new camera on the hurry up?
Or do you have to wait weeks to get it?
I'd check every little detail, call them up and ask
every little question.. Every situation you would come
across as a photographer....
Ask them everything..
7th February 2006, 10:26 PM
I'm currently with AUA in Norwich... £360pa inc tax for pro cover.
£11,353 (I just cover the really major things) of kit plus £5,000 for hired in kit and goods in transit.
Overseas included as long as I notify them first.
8th February 2006, 07:36 AM
with e&l - joined and 2 weeks later my laptop went belly up. claimed with no problem, premium is 5 a month.
14th February 2006, 06:45 PM
I have £14.5k of cover with Glover & Howe which costs me £340 pa (should be £400 but I "get" 15% NCD for 3 years no claims.
This is full replacement, Professional cover, "UK only" but includes max 20 days at a time worldwide
I have never claimed so cannot comment on that aspect
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