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Camera Insurance Recommendations Please


1 Jan 2021 2:36PM
Would any of you guys be able to recommend good, general use camera insurance please?
Cheers
Elaine Grin
thewilliam2 3 1.5k United Kingdom
1 Jan 2021 3:31PM
I insure with Camerasure because their policy is designed for professional photographers.

If you never intend to do any professional photography, any good household insurer should be able to cover your kit. We use NFU Mutual.

Many amateurs do occasional photography for the most noble motive of payment and this is when loss or damage is most likely to happen. Insurance contracts demand "ultimate good faith" so be sure to get the correct cover.
1 Jan 2021 5:04PM
Thanks William, I'd just be looking for cover as an amateur photographer. I'll look into our household insurance and see if I can get cover from there....I never thought of that so thank you Grin
airfreq 12 131 United Kingdom
1 Jan 2021 5:50PM
1 Jan 2021 8:51PM
Thanks George...will defo check those guys out Grin
DaveRyder Plus
6 4.9k 7 United Kingdom
1 Jan 2021 9:04PM
For loss/damage I've got ample cover on my household insurance.
I need to declare individual items over £1500.
LenShepherd 12 4.3k United Kingdom
2 Jan 2021 8:37AM
Keeping it simple - in the UK unless you live in a high crime area - or do professional photography - you can get wider all risks cover for distinctly less premium as an all risks extension to several household insurers policies - provided you do not choose their cheapest "no frills" cover.

A good local broker should be able to recommend a suitable insurer. If they cannot they are not good brokers.
thewilliam2 3 1.5k United Kingdom
2 Jan 2021 11:29AM
As Len wisely suggests, you need to look at the policy very carefully before going ahead.

Also, insurance companies vary in their willingness to pay out in the event of a loss. Some have a reputation of making the policy-holder jump through all sorts of hoops before paying out and this includes some famous names. To some extent, you do get what you pay for, or rather you have to pay for what you get.

Remember that insurance companies probably won't ask searching questions until you make a claim. You need to declare anything that might affect the risk at the outset or as soon as it arises.
2 Jan 2021 2:27PM
Thanks for your advice guys. I can see I have some research to carry out.....bit of a minefield! Grin
realspeed 14 62 United Kingdom
2 Jan 2021 4:26PM
I Have used Eversure a couple of times and they have been brilliant. I would highly recommend them
LenShepherd 12 4.3k United Kingdom
3 Jan 2021 7:27AM

Quote:
Also, insurance companies vary in their willingness to pay out in the event of a loss. Some have a reputation of making the policy-holder jump through all sorts of hoops before paying out and this includes some famous names.
(snipped)
Remember that insurance companies probably won't ask searching questions until you make a claim. You need to declare anything that might affect the risk at the outset or as soon as it arises.


Members of the ABI (about 90% of all insurers) do not do delay claims - so checking if the insurance company is an ABI member can be a wise move.
Straightforward claims are settled quickly - often within a week.

I agree you can have issues if you said you were an amateur to get a lower premium and have a claim doing obvious pro work, or you lost a £5,000 lens and cannot remember where you bought it, or provide a photo of stolen equipment with the image EXIF date on the photo dated after a theft - you can have a hard time - due to not being trustworthy.

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