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#170120 - 3rd Sep 2007 10:24pm Camera Insurance
MattLFC Offline
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Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
For anyone who is looking to protect their camera's from theft and accidental damage, I have heard loads of people praising Photoguard - and its pretty reasonably priced too, I had a quote of 2.35 per month for worldwide cover for my camera and its accesories upto the value of 300.

Of course the good thing about this company is they specialize in insurance for camera's and photographers, its really aimed towards to professional market, and most pro's use it, but its affordable enough for home users as well.

Dont forget, it covers everything upto a specifiec value including tripod's, memory cards, camera's, bags etc...

They will even cover loss of earnings, public liability and personal injury if you are a professional!

smile

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#172050 - 13th Sep 2007 12:50pm Re: Camera Insurance [Re: MattLFC]
Mark Online   Reading


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Registered: 9th Nov 2003
Posts: 21027
Loc: Wirral
This looks a great deal, for the pro and the Amature.

Bare in mind your "Home Contents" cover may cover you
for similar. So don't double insure.
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#172051 - 13th Sep 2007 12:53pm Re: Camera Insurance [Re: Mark]
MattLFC Offline
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Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Yeah it "may", but its certainly not as comprehensive as dedicated camera insurance, and also its highly unlikely they would cover you if you dropped it in a river whilst in a foreign country.

Usually home contents insurance only covers you whilst in the home, and even when it doesnt I dont think its worth risking the hassle when one considers the price of this insurance hehe.

Home contents also struggle to pay out for anything thats outside the home, especiallt theft, even when you specifically have it in your policy schedule.

smile

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#172052 - 13th Sep 2007 1:00pm Re: Camera Insurance [Re: MattLFC]
Mark Online   Reading


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Registered: 9th Nov 2003
Posts: 21027
Loc: Wirral
Matty - Accidental Damage on Home insurance will cover you.
It will also cover your abroad. If you drop it in a river.

Mine does and will.
But each policy is different.

This is why after reading it, i realised that i'm already covered.
That's all. And only wanted to make members aware that they
may already be covered and not to double insure.

I'm not saying its a waste of time. It looks good but not for me.

That's all.
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#172055 - 13th Sep 2007 1:05pm Re: Camera Insurance [Re: Mark]
MattLFC Offline
Wiki Master

Registered: 14th Aug 2004
Posts: 22315
Loc: Moreton/Beirut/Mobile
Maybe so, but id rather rely on insurance that does cover it without hassle, then having an argument with an insurance company that doesnt.

People rely far too much on their homne insurance nowadays, and its because of this that you always hear horror stories about people taking months to get things out of them, for the smallest thing.

At the end of the day, it depends how much the camera is worth to you and if you can afford to be without it for weeks/months due to insurance companies dragging their feet.

Personally, I couldnt, so I insure outside of home contents insurance. If contents insurance was so good, all these external policies wouldnt exist, because we wouldnt have any need for them.

wink

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#172057 - 13th Sep 2007 1:22pm Re: Camera Insurance [Re: MattLFC]
Mark Online   Reading


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Registered: 9th Nov 2003
Posts: 21027
Loc: Wirral
No point in paying for the same insurance twice no matter how
its dressed up. That's My opinion wink

Contents claims : Family experience seems pretty good. Just a case of providing receipts. (Maybe that is where the bottle neck is).
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#172061 - 13th Sep 2007 2:25pm Re: Camera Insurance [Re: Mark]
_Ste_ Offline


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Loc: New Brighton
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#172062 - 13th Sep 2007 2:29pm Re: Camera Insurance [Re: _Ste_]
_Ste_ Offline


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Registered: 7th Aug 2005
Posts: 15987
Loc: New Brighton
In my personal opinion i would buy it seperatly as the chances of damage especially with the things i do, where i go with my cameras etc wink are inevitable!
I`d rather not risk my house insurance costs going up and like matty said i`d like a newer camera asap, not messing round waiting for insurance companys to drag their feet etc smile
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