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Camera Equipment Insurance


Debs_Rocker 12 303 2 United Kingdom
5 Jan 2010 10:24AM
Hello Folks,
Had a quick search through the forums and couldn't find what I was after so thought I'd start a new one!

I was wondering how you good people go about insuring your gear generally as well as for specific holidays, I think it's too much now for the household insurance (2 DSLRs, several lenses etc) so what's my best option in your opinions, finding a photgraphic insurance specialist (if there is such a thing) or asking my household insurers to give me a specific quote for the camera gear. Secondly, insurance for taking my kit to S.Africa on holiday, is it wise to get something specific here too? Over to you good people?
Debs
Henchard 16 2.7k 1 United Kingdom
5 Jan 2010 10:35AM
There are lots of threads on insurance

Try Aaduki for a quote for your needs including overseas travel.
Nick_w Plus
14 4.3k 99 England
5 Jan 2010 10:48AM
Your right about the houshold insurance. You must check the small print in detail - I found out the hard way, I will second the suggestion above.
Banditman 13 12
5 Jan 2010 11:30AM
Give the guy's at AADUKI insurance a call, i find them very helpfull and they are only a phone call away if you are not sure about something.
Debs_Rocker 12 303 2 United Kingdom
5 Jan 2010 11:42AM
cheers chaps I'll call them!
KevSB 17 1.5k 5 United Kingdom
5 Jan 2010 11:53AM
like Nick pointed out check the small print, I also found out recently camera gear left in empty hotel room it is not covered by most camera Insurers as they state others have access to the room , If i understood the legal talk id probably find a lot more get out of paying clauses.
Debs_Rocker 12 303 2 United Kingdom
5 Jan 2010 12:09PM

Quote:Like Nick pointed out check the small print, I also found out recently camera gear left in empty hotel room it is not covered by most camera Insurers as they state others have access to the room , If i understood the legal talk id probably find a lot more get out of paying clauses.

aye Kev I've heard that before, was told to lock my camera in the room safe in lanzarote or keep it on me at all times! Safe is generally tiny in hotel rooms as it's not designed for an SLR at least :O(
johnbarrow 11 55 France
5 Jan 2010 4:30PM
my camera Insurance refused to pay me out when my video camera was stolen from the locked boot of our for Focus in Bristol, they said because the rear seats could be opened from inside the car the boot was insecure, despite them breaking the boot lock with a screwdriver.
Nothing.
We parked near some flats and I think someone was watching us...
Henchard 16 2.7k 1 United Kingdom
5 Jan 2010 4:39PM

Quote:My camera Insurance refused to pay me out when my video camera was stolen from the locked boot of our for Focus in Bristol, they said because the rear seats could be opened from inside the car the boot was insecure, despite them breaking the boot lock with a screwdriver.
Nothing.



Sounds about correct. If you think you have a valid claim with an insurance company you should always follow their formal complaints procedure and then, if no joy, take it up with the financial Ombudsman Service

My household insurer refused to pay for my leaking central heating oil tank until I referred it to the Ombudsman. At which point they swiftly paid up (on a no admission of liability basis - which was even better for me as I didn't then have to pay the policy excess).
samfurlong 15 2.5k United Kingdom
5 Jan 2010 8:10PM

Quote:My camera Insurance refused to pay me out when my video camera was stolen from the locked boot of our for Focus in Bristol, they said because the rear seats could be opened from inside the car the boot was insecure, despite them breaking the boot lock with a screwdriver.
Nothing.
We parked near some flats and I think someone was watching us



Who was it? Name and shame.

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