Insurance question

[DavidCane]

Over the last year I've accumilated a few bits of DSLR kit, with a Canon 7D being the latest addition.

Up till now I wasn't too fussed about insurance as the total value of all the kit was less than the limit on my home insurance policy but now I've decided that with a 7D, an 'L' lens and the rest, the overall value if it was all in one bag and stolen would be enough to cause a headache.

So my question is a simple one. If you take out specified items 'all risk' cover for your camera kit on your home insurance, do you specify it all as one item 'Camera' at a single high value or do you specify all of the bits individually?

[Speed addicted]

I asked my home insurance and they see the kit as seperate items, so all of the parts of mine are under the £1500 limit.

[DavidCane]

I'll call Direct Line. The details in my policy make me think that I've got the same type of cover, but I want to play safe. If my camera bag get stolen with all my stuff in it that's £2500 which is over the single item limit.

Cheers,

DC

[markmullen]

When I was with Photoguard they wanted everything over £500 itemised out, Cliik, who come very highly recommended, just wanted an overall sum of value

[onomatopoeia]

Hiscox (where I insure my home contents and buildings) didn't want anything itemised - I specifically asked before taking out the policy. They have a £500 excess though.

[Craikeybaby]

This is something I need to sort out - thanks for the heads up about cliik.