Celluloid Hero Posted November 1, 2017 Share Posted November 1, 2017 Hi, Can anyone recommend a good insurance company that will provide stand alone professional camera equipment insurance? Thanks in adavance xxxx Link to comment Share on other sites More sharing options...
Stokie Posted November 1, 2017 Share Posted November 1, 2017 I'm in the UK and am insured with Photoguard. www.photoguard.co.uk Never had to make a claim so don't know how good they are. John. Link to comment Share on other sites More sharing options...
Russell Posted November 1, 2017 Share Posted November 1, 2017 If you are in the UK and a Canon user, the insurance offered through the EOS magazine is worth checking out. Alternatively you could consider insuring your gear as part of your house contents insurance. http://www.eos-magazine.com/insurance/index.html Link to comment Share on other sites More sharing options...
Nick Hatton Posted November 1, 2017 Share Posted November 1, 2017 Added mine to household policy. Link to comment Share on other sites More sharing options...
RedSnapper Posted November 1, 2017 Share Posted November 1, 2017 never insure pro use equipment on a domestic policy.....(and selling stock counts as pro)...They will refuse to payout.....domestic policies are for domestic use... Try Glover and Howe You only ever know how good a company is when you need to claim. Glover and Howe are good.... km Link to comment Share on other sites More sharing options...
MDM Posted November 1, 2017 Share Posted November 1, 2017 I was with Glover and Howe but went over to Aaduki when I got a better quote. Fortunately I've never had to claim but I believe both are reputable. The policies are tailored for photographers. Needless to say, the important thing with insurance is to be sure that you are conforming with all the conditions or it's not worth anything. For example, Nick putting it on his home policy is not a good idea unless that covers professional use. Selling stock images would almost certainly be considered professional use I expect. Link to comment Share on other sites More sharing options...
Russell Posted November 2, 2017 Share Posted November 2, 2017 14 hours ago, RedSnapper said: never insure pro use equipment on a domestic policy. That's not 100% correct, you need to check the T&Cs of the company many (mine for example) define professional use as earning above a certain (range is 20% to 50%%) percentage of income. Link to comment Share on other sites More sharing options...
Cryptoprocta Posted November 2, 2017 Share Posted November 2, 2017 11 hours ago, RedSnapper said: never insure pro use equipment on a domestic policy.....(and selling stock counts as pro)...They will refuse to payout.....domestic policies are for domestic use... Try Glover and Howe You only ever know how good a company is when you need to claim. Glover and Howe are good.... km I told my house insurer about my photo gear, they charged a rather hefty premium, and they paid up when I needed it. I have since changed my insurer with a ditto arrangement, but haven't had to claim with them so far. Several apparently well-recommended UK specialist companies weren't interested in insuring my camera gear alone; Glover and Howe and a couple of others didn't even reply to my initital enquiry. Link to comment Share on other sites More sharing options...
TeeCee Posted November 2, 2017 Share Posted November 2, 2017 I've with Photoshield, seem fine but I've never made a claim, and as Keith correctly says, you never now how good they are til you ask them to dig into their pockets ... Link to comment Share on other sites More sharing options...
Doc Posted November 2, 2017 Share Posted November 2, 2017 11 hours ago, RedSnapper said: never insure pro use equipment on a domestic policy.....(and selling stock counts as pro)...They will refuse to payout.....domestic policies are for domestic use... Try Glover and Howe You only ever know how good a company is when you need to claim. Glover and Howe are good.... km +1 Kumar (the Doc one) Link to comment Share on other sites More sharing options...
Ed Rooney Posted November 2, 2017 Share Posted November 2, 2017 KM and Doc are right, of course. You want a camera floater, which is a type of marine policy. Edo Link to comment Share on other sites More sharing options...
Celluloid Hero Posted November 2, 2017 Author Share Posted November 2, 2017 Thanks everyone - I intend to go travelling for 6 months in the UK writing and photographing as I go. So I think it has to be a Professional policy and my campervan insurance certainly won't cover my gear. Link to comment Share on other sites More sharing options...
Nigel Kirby Posted November 2, 2017 Share Posted November 2, 2017 I use Glover & Howe for pro camera insurance and also have cover for Public Liability from them. Nigel Link to comment Share on other sites More sharing options...
Brighton Coast Posted November 2, 2017 Share Posted November 2, 2017 Again Glover & Howe are good Link to comment Share on other sites More sharing options...
RedSnapper Posted November 2, 2017 Share Posted November 2, 2017 Has anyone with their pro camera gear insured on a household policy actually made a claim and been accepted? It's one thing for them to take your premiums ,its another thing entirely for them to agree a payount km Link to comment Share on other sites More sharing options...
imageplotter Posted November 2, 2017 Share Posted November 2, 2017 I'm also with Photoguard (UK) for equipment and PL to £5m, and will move PI over to them as well. Agree it's not a good idea to put a full park of pro gear on a household insurance and wouldn't trust them to pay out either. But then the insurers seem to define pro by what % of your income comes from photography, so if someone does it as a hobby with minor income and equipment value below £2.5k, this may be different? Link to comment Share on other sites More sharing options...
Richard Laidler Posted November 2, 2017 Share Posted November 2, 2017 23 minutes ago, imageplotter said: I'm also with Photoguard (UK) for equipment and PL to £5m, and will move PI over to them as well. Agree it's not a good idea to put a full park of pro gear on a household insurance and wouldn't trust them to pay out either. But then the insurers seem to define pro by what % of your income comes from photography, so if someone does it as a hobby with minor income and equipment value below £2.5k, this may be different? That seems to be the case with some UK policies certainly. The same might also apply to computing equipment in the home and "business use" thereof. As always, the small print in these things is essential reading; don't just be tempted by an attractive looking premium quote. Link to comment Share on other sites More sharing options...
Dave Richards Posted November 2, 2017 Share Posted November 2, 2017 Best price from Aaduki. Link to comment Share on other sites More sharing options...
Martin P Wilson Posted November 3, 2017 Share Posted November 3, 2017 I was with Cliik whose photo insurance was taken over by Hiscox, 2-3 years ago. I have found Hiscox flexible on adjusting terms to specific requirements. I have not made a claim since I was with Cliik. Premium is not trivial but it does include £5million of public liability cove; my mobile phones and computers are on the same policy. Link to comment Share on other sites More sharing options...
MDM Posted November 3, 2017 Share Posted November 3, 2017 1 hour ago, Martin P Wilson said: I was with Cliik whose photo insurance was taken over by Hiscox, 2-3 years ago. I have found Hiscox flexible on adjusting terms to specific requirements. I have not made a claim since I was with Cliik. Premium is not trivial but it does include £5million of public liability cove; my mobile phones and computers are on the same policy. My Aaduki policy is underwritten by Hiscox and yes they are flexible. I have an estate car and there was something in the standard policy about needing a hard cover over the boot. They modified the policy without any extra charge. I have PI, PL, camera and computer insurance. Not cheap but cheaper than Glover and Howe were asking when I switched, Link to comment Share on other sites More sharing options...
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