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Cam Insurance
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Hey, I live in the UK and am thinking of getting some insurance for my gear, just wandered if anyone has insured there kit and who with?
Also there are two brackets, Amateur and professional..
Could they say I'm professional because I goto clubs and do there photos even though I'm not getting paid? Although I do get paid for band shoots so it maybe best to just get the pro cover..
for a £1,000 worth of kit and all risk, I've got a quote of £3.89 a month or £38.90 a year is that good? it covers everything from accidental damage, public liability, new for old etc..
thanks in advance for any replies..
Posted at 7:28AM, 10 June 2007 PDT
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My camera is insured under the household insurance but i think if i were to have it nicked at a gig i wouldn't be able to claim on it.. £3.89 a month for a total cover seems pretty fair i think..
Posted 60 months ago.
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I pay $16.50 per $1,000 here in the states, if that helps put thing in comparison for you. It's worth it.
No deductible, everything is covered, and it's a seperate policy from my other insurance needs (seperate company too).
Originally posted 60 months ago.
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rodinis edited this topic 60 months ago.
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You need to get a separate policy for the camera, though it might not be worth it unless the entire system is relatively valuable. Now, I have business insurance, and I am covered for stuff like dropping and spillage, but I think you can do soemthign similar with camera equipment as an individual.
the problem with most home-owners and renter's insurance, which _does_ extend out to, say, your car, is that deductibles are often high enough that it's not worth it. For me, I have a $250 deductible. If my D50 were stolen, and they give me replacement value at $250 more...I might as well just save up a bit longer and buy a D80 (and yes, I know this is the D80 forum, but the low price of the D50 makes for an easier example).
allan
allan
Posted 60 months ago.
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I got my camera insurance (UK) through E&L, for not much more than your quote - it was a flyer that fell out of a magazine. The conditions of the policy appear to be very reasonable and you can list the individual items you want to include. I added an item for accessories for which they rang me a few days later to clarify.
E & L
Posted 60 months ago.
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Rodinis,
What company do you use, and those the 16.50 just cover the body or lenses as well. And is it per year or month? Thx
Posted 60 months ago.
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e & l is the company I've got the quote from, think ill be going with them..
Posted 60 months ago.
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I have mine with E & L - its nearer £8 a month, but that includes the new price of several lenses - I also opted for the additional cover for theft when left unattended in a car - I figured that this is the most likely place for theft to occur.
Posted 60 months ago.
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Len Scaps [deleted] says:
Gotta love this forum - as soon as I think of a question I need answering a thread appears covering it :)
Has anyone had any experience with E&L when it comes to a claim? Cheapest doesn't always equate to best - try claiming on a cheap car insurance policy!
Posted 60 months ago.
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Since my D80 is my first SLR, I decided to get the insurance from Ritz Camera. It covers everything (including accidental damage), but is kind of expensive - about $150 or so for the first year. If nothing goes wrong, it'll be worth it.
Posted 60 months ago.
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Has anybody used the Nikonians insurance? Any opinions?
Posted 60 months ago.
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I forgot about the excess fee :-(
I does seem very cheap though.. I got a quote from another insurance company and there quote was over £20 a month compared to £3.89... and another which was £10..
Posted 60 months ago.
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I have $4000 worth of gear insured through State Farm for $70 a year. I had to be put under the 'professional' bracket, as I make money from photography, although it's not much. The insurance rep asked, "Do you make money, and if so, is it over a $1000 a year?" I answered yes, so I was I guess that I had to be put in the pro bracket. I think the difference in payment is less than $20 for pro or unpro, with unpro being the cheaper.
Posted 60 months ago.
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Knotty,
Interestingly, the non-pro is $66 for $4,000 in my area (Atlanta).
Posted 60 months ago.
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