Insurance for Photo Gear

Having just scared myself by adding up the gear in my camera bag I think it is time to look at making sure it all is fully insured.

Do people based here in the UK have any particular recommendations on who to use or not to use.
Is it just worth getting my home contents insurance extended to fully cover all my gear?

Thanks
Stu

Stu, Go for one the the specialists as you will be covered for theft from vehicle as well as damage etc. I use PhotoGuard who also provide the £5m of public liability cover that I must have. Getting home insurance to cover all the circumstances you come across as a photographer can be difficult.

Yes
I agree, go with photoguard, there is no excess to pay (for claims over £50),
i've had one claim in 2 years, new shutter after I dropped a 10d in a river, and they paid out without any problem.
Les
http://lesmclean.photo​blink.com/

Hi Stooge_uk,

I use Glover and Howe, havent had to claim anything yet but they seem to be very good about taking my money, just hope they are as good if I ever need it back.

Best regards

BearSummer

I currently use this lot http://www.gloverhowe.​co.uk/

Any suggestions for the insurance like that in the US? That's a fantastic idea.

Tom, I have a Personal Articles Policy from State Farm. I think it's about $1.60 per $100 of equipment coverage (annually). This type of policy covers theft, loss or accidental damage with no deductibles.

HJMinard wrote:
Tom, I have a Personal Articles Policy from State Farm. I think it's about $1.60 per $100 of equipment coverage (annually). This type of policy covers theft, loss or accidental damage with no deductibles.

Do you have to have a homeowners policy or can you purchase only that insurance?

My guess is that since they probably aren't making a whole lot of money on the policies that they would prefer you to have homeowners with them as well. But you never know.

Go ahead and check with your current homeowner carrier and see if they have a rider or all perils coverage policy.

Im hoping to get it as a standalone policy. I dont want to add on to my homeowners.

Well, I do happen to have a homeowner's policy with State Farm, but the Personal Articles policy is completely stand-alone (not a rider on the homeowner's policy).

Soooo ... they are separate, and I do not believe they require one to have the other.

I'm with http://www.gloverhowe.​co.uk/ also, one thing to watch out for is that some companies will not pay out if your boot is accessible from the car interior, now I would say a high percentage of cars on the roads in the UK fall into this catergory so it pays to read all the small print before you sign up.



Cheers
Ian

Thanks for all the great information. Will check out http://www.gloverhowe.​co.uk/ and also photoguard.

Have a good New Year and "Happy Snapping"

I recently had a similar "shock" after making a list of my Canon camera and Sony MiniDV camera gear. I will not be showing that list to the wife ...

I made a policy with my insurance agent as an addendum to my home owner's policy. It is pricey (370 EUR a year, which decreases by 10% a year) but there is no deductible in case of loss, theft or damage.

I do feel better knowing that it is all covered.

.

For all UK shooters, whatever you do, do NOT insure your gear with E&L, I've had very very very bad experience with them and had to call up IP lawyers send out Notice Before Action letter to force them pay me the money they owed me, from claim to payment - 4 and half months!

I'm switching insurer this month, will phone up photoguard and gloverhowe to get quotes.