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Professional Camera Insurance recommendations?


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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

Edited by Russell
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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

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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.

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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.

Edited by Russell
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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.

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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)

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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?

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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.

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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.

Edited by Martin P Wilson
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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,

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