Photo Insurance - Worth it?

[Jetl3on]

Any reputable companies that are reasonable in the event of a loss, or "not worth the paper its written on" (Extended Motor cover?

Anyone heard of Photoguard, afiliated to Jacobs?

[GFWilliams]

Jetl3on said:

Any reputable companies that are reasonable in the event of a loss, or "not worth the paper its written on" (Extended Motor cover?

Anyone heard of Photoguard, afiliated to Jacobs?

The AOP recommends Towergate
http://www.towergateunderwriting.co.uk/

[markmullen]

I'm with Photoguard, they've been easy to deal with so far, thankfully I've not had to claim though.

[Cybertronian]

I'm with Towergate. The others don't even come close for me on quotes. Never had to claim before but we use Towergate as an underwriter at work and they've always been quick to pay out with minimal fuss.

[Jetl3on]

Ideally I just want cover for 2 weeks, but they insist I must take a yearly policy.

[ian in lancs]

What about Contents Insurance?

I claimed c£1500 no problems and it didn't affect my renewal premium.

[Cybertronian]

A bit cheeky but you could cancel just before the 2 week cooling off period ends. Just find a provider that doesn't charge extortionate admin fees to cancel and you'll only pay for what you've used, ie the 2 weeks. Of course, you'll have to continue to pony up the full amount if you do claim.

[ian in lancs]

Towergate quote was £340 for £12k of cover.... More than my car insurance for less than my car is worth. That explains the swanky Towergate building then but not the piss poor websites.

[tog]

I've used Glover & Howe for years and they have always been very helpful. Small claims (dropped lenses / cameras usually) have been paid quickly and with no fuss. I've never had to make a big claim. About £600pa for public liability, professional indemnity and £24k of kit.

[Thunderace]

Used to use Aaduki, cost was about £200 p.a. for £8.5k's worth of cover. Added to household cover now for about £3 a month.

[Craikeybaby]

I've used Aaduki and Photoguard in the past as I needed third party liability for being trackside etc, I think going forwards I may see about adding it to my home insurance, as not earning from photography these days.

[trashbat]

I used Photoguard years ago (like 2007) and did claim for a damaged lens. Whole process was very good, relatively painless.

[Jetl3on]

Cybertronian said:

A bit cheeky but you could cancel just before the 2 week cooling off period ends. Just find a provider that doesn't charge extortionate admin fees to cancel and you'll only pay for what you've used, ie the 2 weeks. Of course, you'll have to continue to pony up the full amount if you do claim.

Hmm, interesting. There is nothing to stop anyone doing this, its certainly not illegal. Prompted by another post, I called my home insurance, Directline, they just quoted £1.06 for the 2 weeks, with the option to cancel anytime I like, problem solved.

Thanks everyone.

[rottie102]

trashbat said:

I used Photoguard years ago (like 2007) and did claim for a damaged lens. Whole process was very good, relatively painless.

Just in case somebody is researching insurance -

I am also insured with Photoguard, pretty expensive at over £500 per year but it is worth it, they just paid £900 for my damaged lens without any problems so I would definitely recommend them.