Camera Insurance

kelkiwi

9

14 Nov 2002 - 9:26 AM

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Anyone out there know of a really good insurance cover for camera equipment? I have taken some out with a flyer that comes with Practical Photography. I needed it in a hurry for a trip but once I had read the details of the policy it really does not offer that great a cover. Things like basically you can not leave it in your car even in the boot as if they get through the back seats to the boot it is not covered. The boot has to be really ripped open and you to have proof of that for it to be covered and just a whole bunch of things following that general order. Any help or recommendations will be greatly appreciated.

Big Bri

11

14 Nov 2002 - 10:34 AM

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Kiwilad, why not let us ALL know how you get on. I need to insure my kit but the only one I've found so far seems to have a HUGE excess, in the region of 20% of the value of the claim.

kelkiwi

9

19 Nov 2002 - 11:03 AM

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Here is the reply I recieved just doo not know reallty what to do!!!!!!!
Amateur Photo Equipment Insurance - Summary Of Cover & Information -

Our scheme offers specialist photographic equipment insurance for the Amateur photographer.
- Details of the cover offered are in this summary -

All Risks of Physical Loss or Damage: to any make or type of photographic or associated equipment (including Computers/Digital or Video Cameras/Printers/Binoculars /Recording Equipment Etc.)

Basis of Cover - Equipment is insured on a Full Replacement: basis : Therefore the sum insured must represent the current full replacement cost plus, if you wish, an allowance for inflation. If item(s) are out of production the sum insured must represent the cost of the nearest replacement or equivalent item

Territorial Limits: Worldwide (but not exceeding any journey undertaken outside the UK for periods of more than 60 days, at any one time) . This period may be extended in certain circumstances, subject to prior agreement - one way trips excluded

Limits: A sum insured must be provided for all items exceeding 100.00 each in value. Any item below this figure is treated as a miscellaneous item and you must show an overall sum insured to cater for all items in this category - see proposal/schedule

Note: Component parts of equipment which may be purchased separately e.g interchangeable lenses, viewfinders, databacks etc. are considered separate items and should be insured on this basis

Excess: 10% of any agreed claim, subject to a minimum of 50.00 and maximum of 150
( In respect of the theft of attempted theft from an unattended motor vehicle the minimum excess is
100 with a maximum of 500.00)

No Claim Discount: 5% (1 year claim free) - 10% (2 years) - 15% (3 years)

Principal Exclusions: Loss or damage caused by or as a result of wear, tear, defective workmanship, faulty design or materials, maintenance, breakdown or gradually operating cause, rot, vermin, insects, fungus, climatic or atmospheric conditions, sand or grit, sonic bangs, radioactive contamination, magnetic fields, war, terrorism or confiscation by officials or authorities. Loss or damage to films/batteries/discs/cartridges (including used or exposed), unless otherwise agreed

Unattended Vehicle Cover: This is included following loss or damage as a result of theft or attempted theft up to a maximum limit of indemnity limit of 6,500, however please also note the following:-

Cover is not provided between 21.00 & 06.00 hours. Unless the vehicle is kept is a locked compound or garage

The vehicle must be of a fully enclosed type, no cover is provided in respect for convertible or soft top vehicles.

All items/equipment are to be kept out of sight, preferably in a locked boot or, in the case of a Hatch or Estate or Van, out of view &/or under a top cover

Theft or attempted theft must be as a resulting from forcible or violent breech/entry/exit and proof provided to insurers.

The police or appropriate authorities must be informed and proof obtained/provided

All doors, windows and other openings must be securely locked, fastened and secured with all security devices and alarms therein or thereon in full and proper operation

Presented by: Glover & Howe Ltd, 1 Culver Walk, Colchester, Essex CO1 1XJ - Telephone No: 01206 814502 - Facsimile No: 01206 814501

INSURERS: Sterling Insurance Co Ltd

Note: This summery is intended as a guide only and is subject to alteration, full terms & conditions of the policy are available at our offices for inspection

IMPORTANT NOTICE: You are reminded that all reasonable care is to be taken with the insured equipment - this is a condition of the cover provided

E & O E




Proposal Form (Amateur) - Photo Equipment Insurance Scheme
- To Be Returned To Glover & Howe Ltd, I Culver Walk, Colchester, Essex C01 1XJ -

This form provides the information required to effect cover and applies to residents of the UK only. No information or fact should be withheld that may be likely to influence the acceptance of the risk. You have a duly to disclose all material facts as failure to do so could invalidate the insurance. - We suggest you keep a copy of this document and any correspondence -

GENERAL DETAILS

Name of Proposer :
(Mr/Mrs/Miss/Ms)

Occupation :

Full Postal Address :


Post Code:

Telephone No: (Work) (Home)

Fax No: e-mail :

Have you previously been insured ?
(If yes provided name & address of insurers) Yes No
Has any insurer ever declined or refused to renew or cancelled
your insurance or imposed special terms? (If yes provided details) Yes No

Have you suffered any loss or damage in the last 3 years in respect
of any insurance now being applied for?
(If yes provide details on separate sheet) Yes No
SCHEDULE OF PHOTOGRAPHIC/PORTABLE/SPECIFIED EQUIPMENT TO BE INSURED:-

List all equipment/items that exceed 100.00 each in value. You have no need to specify items under 100.00 as these are classed as miscellaneous and should be shown under that heading (see below):

Purchase Description of item Serial Number Sum Insured
date (including make & model)













MISCELLANEOUS ITEMS
(Total of all items under 100)
---------------------- ----------------- -----------------
Total Sum Insured
=========== ========= ========
(Please continue on separate sheet if necessary)

DECLARATION

I/We declare all statements made on this proposal are true & correct - I/We agree this proposal is the basis of the contract - I/We agree insurers or their representatives have the right to seek any information or detail required from any previous insurer(s) or any other party in order to verify or seek information that may be provided on this form

Signed: Date




AMATEUR PREMIUMS - Effective from 01st AUGUST 02:-

Sum Insured Premium
up to 300 12.00
301 to 600 20.00
601 to 1,000 35.00
1001 to 1,300 43.00
1,301 to 1,600 50.00
1,601 to 1,900 60.00
1,901 to 2,300 70.00
2,301 to 2.600 80.00
2,601 to 3,000 90.00
3,001 to 3,500 110.00
3,501 to 4,000 125.00
4,001 to 4,500 145.00
4,501 to 5,000 160.00
5,001 to 5,500 175.00
5,501 to 6,000 190.00
6,001 to 6,500 205.00
6,501 to 7,000 220.00
7,001 to 7,500 235.00
7,501 to 8,000 250.00
8,001 to 8,500 265.00
8,501 to 9,000 280.00
9,001 to 9,500 295.00
9,501 to 10,000 310.00

Premiums above 10,000, please ask for a quotation

Pete (ePHOTOzine Staff)

11

19 Nov 2002 - 1:58 PM

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We endorse the Glover & Howe because it's the company that has provided all the UK camera club members (such as Canon EOS, Minolta club, and Pentax User) with good service over the last decade or so. The bloke who looks after things is also a photographer so understands our needs.

Pete (ePHOTOzine Staff)

11

22 Nov 2002 - 12:00 PM

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Hi Brian
Glad you've found another area. There are probably loads more undiscovered nuggets too!
We started all the directories off ages ago and all have a public upload option so we kind of hoped the manufacturers, service providers, clubs etc would come and add their details. We have so much on that these are lower down on our priority list. I guess you're right I ought to add the insurance company.
The yes is that they do mail order. A heading might be nice! Thanks for the feedback

Pete (ePHOTOzine Staff)

11

23 Nov 2002 - 12:31 PM

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Jo thanks for your comments. The same discounts apply to ePHOTOzine readers and Pentax User readers. We have a form that we can supply to anyone who sends a SAE to ePHOTOzine PO Box 197 Worksop S80 1NA. We will soon have one that can be downloaded online.

DON FAITH

10

30 Dec 2002 - 5:37 PM

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Hi, just back on line after moving & saw your question. I have never had reason to claim so have no info on that, but I am insured through Photoguard, their policy seems to be thorough & there are various leavals depending on use eg pro or amature, UK/Euro/World, & their rates seemed about the best (I was on a very tight budget at the time) I cuold find. You can find them @ WWW.PHOTOGUARD.CO.UK & they can give cover on line if you pay by card, if you do quote po1107477.

lightweaver

9

15 Sep 2003 - 9:13 PM

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specialist camera insurance has one extra benefit - liability cover, even for amateur use. Plus some home contents insurance only cover for a certain amount of gear. (My home contents doesn't provide enough cover, so additional insurance became a need.)

I use Glover & Howe, purchased through ephotozine, and they are very good to deal with, though, touch wood, I've not had to make a claim. I get liability cover which is nice for when I'm asked to do a wedding.

E&L, from what I've learned in other threads on this site, are a company to avoid.