D60 Insurance

[SteveCliff]

Anybody got any suggestions for decent camera insurance ? I am based in the UK but would need cover worldwide for my D60, 3 lenses, flash and various other bits of kit.

I would be interested to hear about companies where people have claimed and got a good speedy service rather than simply the cheapest ...

[defordphoto]

I got insurance for my camera equipment through my homeowners policy. They just wrote a rider (add-on) to my current policy covering all my camera equipment. I started out with $5000 and that covers $5000 maximum per incident and $2000 maximum per piece of equipment. I can increase the total maximum whenever I want, but the $2000 max per piece of equipment is my insurance company's limit.

Through my homeowner's policy there was some limited coverage as it stood, but this rider covers all my equipment if it's damaged, stolen, lost, dropped, smashed, and/or dropped in the ocean never to be seen again.

All for $14 a year!! Not sure how it works in the UK, but that's what I got here in the US.

[SteveCliff]

I did wonder how I would get on with using my home insurance, but as I am running my own (small) business, then I suspect that there would be a clause in the contract stating that it did not cover business use. I will check though, just in case!

Thanks.

[Sharkman_UK]

Steve,
I am effectively semi pro now and while I was purely amatuer I could get away with adding the D60 gear as an add on to my house insurance, but as soon as you start to make even a few £'s from selling photo's I think you will find they will not cover the gear.

I have literally hours ago finished sorting out insurance for all my gear for cover within the uk, both at home and where ever I take the gear. It also includes cover during transport.

I did a lot of shopping around and I found the best deal for me was from Williamson Carson. You can contact them on 0208 650 9222. They offer cover for Amatuer, Semi pro and Pro photographers and for cover in the UK, UK and Europe or Worldwide.

It is not cheap but when I sat down and worked out what it would cost to replace all my gear (2 D60's, 3 L series lens), all of a sudden £300 a year didn't seem much at all!

[despot]

I've used AUA Insurance without any complaints.
http://www.aua-insurance.com

[Lhrusovsky]

The only problem with a rider on your home insurance is any claim is a claim against your home owners insurance and as such is subject to the deductables you have set in your policy. There is a policy called a personal articles policy that has zero deuctables and covers everything including dropping it into the lake or ocean. Just my opinion.

Larry Hrusovsky

[SteveCliff]

Sharkman_UK wrote:
I found the best deal for me was from Williamson Carson.

It looks quite good Sharkman. The only slightly nasty thing I've found so far is the £500 excess if stuff is stolen from out of a unoccupied car .... ouch!

I'm sending in all my details for a specific quote and I'll compare that to some others.

Thanks for the link!

[SteveCliff]

despot wrote:
I've used AUA Insurance without any complaints.
http://www.aua-insurance.com


Was that with their "Household" insurance or "Commercial" insurance ?

[despot]

It's a seperate policy just for camera equipment, but not the professional service. It's listed under "special commercial".