Equipment insurance

[simon k]

In the past year or so I have gone from having very little camera equipment to about £3,000 worth! I thought my car was an expensive hobby, this is going to catch up. Anyway the question is how do people insure their cameras etc. Will I be covered on my house insurance if anything is lost/ stolen or damaged when away from home or do I need to get a special policy specifically for photography equipment.
An advice would be appreciated.

Simon

[joust]

Read your house policy - it will tell you if you need to nominate things.

J

[GetCarter]

House insurance will also have a max value for any item.

more....

I took out a camera insurance policy when I was down south and in the 'fast lane', which covered my stuff - even in a locked car boot.

It was expensive though, and now I'm in the 'bit next to the car park, not even on the hard shoulder, let alone the slow lane' I don't feel I need it... but I have increased the max value of specific items on the house insurance. Not expensive.

[white_van_man]

all my gear is a named item on my house insurance, its cover for theft, accidental damage, over seas use and it only costs me £50 a year extra!!

[Bee_Jay]

E&L - we insure all our kit through them - very reasonable, pretty much all risks (including locked car boots) and monthly payments. Also cover international if you give them 7 days notice. Also includes public liability. Very understanding of photographers.

www.eandl.co.uk

[ehasler]

I couldn't get my gear covered under home insurance (they just laughed and put the phone down ), so I use these guys:

R W Mott

Do check out all the Ts and Cs though, as most insurers will have various restrictions, e.g., equipment is only covered in transit if they are transported in solid cases, or cover in a vehicle is only valid between certain hours etc...

[_dobbo_]

I modified my house insurance to include personal posessions up to the value of £1k each - anything more than that I have to nominate.

Granted I have more than a grands worth of kit, but individual items are not greater in value, which they said was fine.

Costs about 2 quid a month IIRC

[poah]

I can claim up to 5k for a single item under the house insurance and thats outside and accidental damage.

[simon k]

Thanks for the replies. I know that it is covered whilst in the house, it's when out and about that I'm concerned about so a night in reading small print seems to be in order. If in doubt there seems to be a couple of relatively cheap options.

[matt gravy]

Hi,

Towergate are the chaps you need for camera insurance:

www.towergategroup.co.uk/Default.aspx?sID=707&lID=0

Ive got full international cover with them for about 15k of stuff.

Matt

[V6GTO]

Towergate Amateur cover:-

£9000 for camera gear
£1000 for laptop

Quote = £268:50