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Insurance recommendations

Minor Problem

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Hi folks, all my gear has come off my household insurance and I'm after ideas of who to get it insured with. I need about 25-27k of coverage and someone decent to deal with when I do something stupid!

Any ideas?
 

oldgeezer

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Start here Barry. Then once you have got a quote you can investigate further.
I have dealt with them over claims quite a few times for different things and never been messed about. You can also use live chat which comes in very handy and they sort of our from there.
Once you have phoned around it will give you a start which is the hardest thing.

 

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Start here Barry. Then once you have got a quote you can investigate further.
I have dealt with them over claims quite a few times for different things and never been messed about. You can also use live chat which comes in very handy and they sort of our from there.
Once you have phoned around it will give you a start which is the hardest thing.

Thanks Pete! I'll look into that asap.
 

Activ8

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It may be cheaper to insure your equipment as a sole trading photography business. You can do this even if you only sell a few prints per year. I have mine insured through Hiscox for business use. I think the last renewal was around £400 per year for up to £50K worth of equipment. This also covers me for public liability incase someone gets injured and employers liability (needed even if I have an unpaid assistant).
 

Snips

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I use Hiscox which used to be Cliik insurance. £300 or so for about £8k equipment, professional indemnity and public liability insurance. It also covers people working for me - not their equipment I don't think public liability but more if they have an accident with someone else. For example, if they spook a horse and the rider falls off and breaks an arm or the horse needs veterinary help.

I suspect that if push came to claiming (as opposed to shove) I will have quite a fight on my hands but I have the policy so that if anyone asks me if I'm insured I can say I am without lying.
 

HeadWest

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Don't want to hijack the OP but I have a similar question and don't think it is necessary to start another thread.

I'm an amateur photographer. I take about £3000 worth of photographic equipment away from home. I'm looking for insurance on theft, accidental breaks and equipment failure. I don't need public liability. All equipment is second hand and I don't have receipts. So, which insurer do you recommend for the things I do?

Thanks.
 

tenchy

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Barry, are you sure you are actually insurable? Lol
 

Snips

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I don't need public liability.
One point of my post was to mention that it might be a cheaper and/or alternative. In the same way as don't need video on my camera but it comes with it.
 

tenchy

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One point of my post was to mention that it might be a cheaper and/or alternative. In the same way as don't need video on my camera but it comes with it.
Plus having it does no harm at all!
Who knows what's around the corner
 
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