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Can any of you recommend a good insurance company (in the UK) who insure camera equipment?
I have recently upgraded some of my kit and I would like to make sure that it is sufficiently covered. (I have checked my home & contents insurance and it does offer enough cover).
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If your house insurance does offer enough cover - why look elsewhere? If its a typo - and your policy doesnt cover it - can you not get it added onto it for a small premium? If you have "personal possessions" cover - you can tag it onto that.
Make sure you have a good contents insurance which coveres for accidental damage and loss or theft outside your home or abroad for personal belongings. I am with Direct Line but there are loads of companies to cover you for home contents
Ok, spot the typo!
My house insurance does *not* offer enough cover, specifically for a single item.
I will investigate if I can get the gear added as separate items though.
have you tried getting cover just for your camera? some companies are reasonably and for a few pounds a month you would have some good cover..
Check out this link..
We're covered with Lloyds TSB Building and Contents Insurance. I recently made a claim because my son knocked my Canon T70 off the kitchen worktop, they paid out for an equivilant replacement (Canon 300V) minus the excess (50) All I had to do was to get a letter from Jessop's stating that it was beyond reasonable financial repair.
Entertainment & Leisure will do it but beware the excess.......its usually a percentage of the sum insured with a minimum figure - which is often more than a usual home contents policy (i'm an insurance broker btw.....) - but it could be worth checking out.
As for the single item limit on your existing policy - most stuff we deal with these days is 1500. Spose it depends on the exact kit you've got but as a single item - that should be enough? My 10D comes in at under that......if u include the lens the it tips over.....but thats 2 items.....not 1! As for accidental damage cover - if you've got "personal possessions" cover - accidental damage cover comes with it.
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