FAO: All Track day Photographers (Ref Insurance)

[Dangly]

I'm doing to be video a track/airfield day in August I need public liability insurance so I googled the following http://www.photoguard.co.uk 

Just wondering if anyone has used these and wondering if anyone has had any issues with public liability?


I'd also be insuring my video camera upto 3k for £250

INSTANT QUOTE INDICATOR
per month**
per year


Sum insured: £3,000
Cover type: Pro
Cover outside of insured location: Yes
Voluntary excess: £250
In-vehicle: Yes
Hire cover: Yes
Props cover: Yes
Accidental damage to portfolio: Yes
UK coverage: Yes
EU coverage: Yes
Worldwide coverage: 30 days

Public Liability: 5m
Personal Accident: £10,000

[sidaorb]

You need to check 100% what liabilty cover that includes, I am having to change mine at the moment after finally getting some trackside work, very few policies include the trackside cover, so make sure its there.

I am with Aaduki Multimedia and although haven't needed to make a claim (touch wood) yet am very happy with the service so far.

Carl

[Dangly]

sidaorb said:

You need to check 100% what liabilty cover that includes, I am having to change mine at the moment after finally getting some trackside work, very few policies include the trackside cover, so make sure its there.

I am with Aaduki Multimedia and although haven't needed to make a claim (touch wood) yet am very happy with the service so far.

Carl

Can I ask how much you pay? And does it include the equipment? Up to the value of?

Cheers

[Dangly]

Just gave them a call and they do include it so now just need to work out of the cost is okay?

[sidaorb]

Sorry Dangly only just saw this again.

I'm paying just under £500 p/a for mine but thats for £10k worth of camera gear, £3K of computer gear and the trackside cover.

Carl

[baz7175]

The other option is that if you are going to be covering MSA/MSI etc etc sanctioned events then their own media accreditation card should provide you with the required coverage needed for such events - but unfortunately this won't help with airfield days etc as very unlikely they will have anything at all to do with the MSA etc...just another bone for the pile from me as it's how I've operated in the past when doing BTCC, WRC etc through my official press passes...

[David_G]

I've got just over £3k worth of kit covered and £5m PLI.

£19.XXp a month, that's with Photoguard and an excess of Nil.

[Typhon]

baz7175 said:

The other option is that if you are going to be covering MSA/MSI etc etc sanctioned events then their own media accreditation card should provide you with the required coverage needed for such events - but unfortunately this won't help with airfield days etc as very unlikely they will have anything at all to do with the MSA etc...just another bone for the pile from me as it's how I've operated in the past when doing BTCC, WRC etc through my official press passes...

I didn't know this. So with a proper pass (eg issued by Silverstone) you're covered? What for, exactly?

[baz7175]

I was MSI/MSA accredited for the last few years, this covered all events sanctioned or run by those parties, meaning that all photographers granted trackside access were covered for personal accident and public liability. Bear in mind it's not as simple as sending in an application to either of these organisations, you have to prove that you cover enough events that they represent and have interest in to be of use to them - you will require a number of fully published (with your name against it) works as well as a specifically created letter to the MSA/MSI that you are a genuine contributor to their publication and that your work from each event will be used in their monthly publications - the more magazines you produce frequent work for the better, in 2005-2006 I supplied BTCC/support races to 5 seperate magazines as well as some newspapers on a monthly basis and had no problem obtaining my yearly passes from those organisations.

This is all good and well for officially sanctioned events, this coverage only exists during these events, so if you go to your local track and flash the accreditation card they'll probably let you trackside easily enough as they will assume you will have enough common sense to have your own coverage as the MSA/MSI coverage will not entertain you for other such events...

So the moral of the story is if you are ONLY going to cover official MSA/MSI race meets etc then you may not need the extra coverage, but if you wish to cover other stuff (including media days/test days etc) then you will need your own coverage....some smaller tracks and setups will have you sign the obligatory disclaimer, which is all good and well if you kill yourself, but it's the public liability insurance that can be the biggie if you are found to have been negligent in some regard to have caused injury to others through your actions...

Hopefully that makes sense