Insurance

[djsmith74]

Hi,

I could do with getting my cameras insured and have done a search in this forum, and have come across recommendations for the likes of Photoguard, Cliik, Glover & Howe. But, before I start making enquiries, I just wanted to double check that they are all still recommended insurers, and whether there are others you could recommend?

Many thanks,

Darren

[Gemm]

I'm still with Glover & Howe and just renewed my policy for .... I really can't remember how many times!

[cirks]

An interesting one - I can understand the separate insurance for professionals but for amateur - house insurance covers most equipment. What are you looking for that won't be covered under all risks house cover (OP not Gemm)

[djsmith74]

cirks said:

An interesting one - I can understand the separate insurance for professionals but for amateur - house insurance covers most equipment. What are you looking for that won't be covered under all risks house cover (OP not Gemm)

Good question. I currently have an OMD EM5 which, OK isn't a pro-spec camera and is easily replaceable, but is still a fair chunk of money to replace. But my main concern is my Leica M3 with 50mm Summicron, which I use quite often and would like to start taking it abroad on holiday. I have not attempted to enquire about getting both cameras covered under my house insurance, as I am not sure how easy it would be to get something specific like the Leica insured. And then theres the issue of getting it covered within generic travel insurance. That's why I'm considering specific camera insurance for these, but am happy to listen to advice & suggestions.
Thanks.

[rottie102]

cirks said:

An interesting one - I can understand the separate insurance for professionals but for amateur - house insurance covers most equipment. What are you looking for that won't be covered under all risks house cover (OP not Gemm)

Accidental damage? Is it covered normally under house insurance? Photoguard paid £1k promptly when dogs dropped my lens.

[cirks]

rottie102 said:

Accidental damage? Is it covered normally under house insurance? Photoguard paid £1k promptly when dogs dropped my lens.

I can't say "normally" as it will obviously depend on policy and small print etc. My cover is accidental inside and outside home. However, you also need to check as some companies claim an SLR and say 5 lenses are a 'collection' and therefore not covered. Collection may be covered however but value pushes to being 'named item' etc. I made sure my stuff is treated as individual items (eg 3 *£800 lenses) rather than collection of £2400 etc.

So, even with your Leica, it's Worth checking what your house cover includes. An M3 shouldn't be counted as a named item in most policies I wouldn't have thought.

[markmullen]

I'm with Cliik and have been very happy with the service.