Beware of 2 points, I know 1 insurance company that says the boot of a hatchback is NOT acceptable as entry can be gained from inside the vehicle. Also 1 company had the nerve to say that if a lens was attached to a camera it was 'one item' and the one item maximum would come into force, if the lens was not attached to the camera then it was 2 items - bl**dy cheek
Terry
Most cars' boots (trunks for our American friends), even saloons, can be accessed from the car, so eSure's get out of jail card would come into action on point one.
If you've got a 1500 quid camera, I woudn't mess about with either household nor standard car insurance - you really should be thinking about dedicated camera cover.
With regards to the lens being 'one item' with the camera - well they will never know as long as you tell them they were separate.
Another good tip for anyone trying to get cover under their standard policies, before you finish reading this thread, start taking photos of your beloved camera bag contents, keep the serial and model numbers on a spreadsheet, upload both spreadsheet and photos to some off-site webspace (usually free with your own ISP) and when the insurance company ask for proof that you actually owned a £1,500 bit of glass (I would bet money on the fact they won't believe you) you can just send them all the info.
Avoid E&L, they have too many get-out clauses. Most of we professionals use Photoguard and they are not expensive for the non-pro. You can complete an application on-line, just make sure you are honest with your answers.
I have read (on another forum) that Photoguard caused a lot of problems for one tog when he claimed for a camera loss. He was very matter of fact about his case and how he had been treated by Photoguard. As they advertised on the forum, the group owner asked them to comment on his situation, and the Sales & Marketing Director posted (for the world to see) what I can only describe as a tirade of abuse towards the original poster (who don't forget was still one of their customers at the time). He had been contructive and convincing in his discussion, Photoguard came along and was extremely unprofessional and rude about him.
Obviously problems happen with every company from time to time...but of course the problem with every insurance company is that you don't find out how good they are until the worst case scenario happens - by which time it's too late to regret giving them your custom. Now I'm not saying that Photoguard are no good - but based on the incredible contempt in which their Sales & Marketing Director held its customers they will never get a look in when it comes to my camera kit.
Just signed up with Photoguard. Thanks again to KennyG for the heads up on this.
Ooops, sorry. I didn't notice you'd taken out a policy with them before I posted the above. I hope everything works out fine for you.
In case I've put you off (sorry if I have) - I think you have a 14 day cooling off period on insurnce.
I've heard very good comments about Morgan Richardson - they offer an very comprehensive policy including things like loss of earning, public liability insurance, re-shoot costs, etc etc etc. I think they are more expensive, but their policy offers much more. Phone number is 01277 630666
)
