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Review of Photoguard Insurance

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ricardovaste View Drop Down
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Post Options Post Options   Quote ricardovaste Quote  Post ReplyReply Direct Link To This Post Topic: Review of Photoguard Insurance
    Posted: 25 August 2017 at 07:15
Recently documented my experience with photoguard insurance, thought it might be useful to those in the UK: http://www.rharris-images.com/2017/08/24/photoguard-insurance-review/
WEDDINGS: Richard Harris Photography | PERSONAL WORK: ourfragments.com
 



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addy landzaat View Drop Down
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Post Options Post Options   Quote addy landzaat Quote  Post ReplyReply Direct Link To This Post Posted: 25 August 2017 at 07:35
You give them 5 out of 5 but I thought your experience was quite cumbersome. It sounds more like a 4 out of 5.

Two things surprised me:

I don't understand why they ask for your previous insurers - that has nothing to do with your current claim. Maybe they wanted to check your reliability, but that should've been something to ask when you sign up with them.

Also, what is the legal status of your business? Why would they need the insurers of your (private) household when you do a insurance claim on your business?

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ricardovaste View Drop Down
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Post Options Post Options   Quote ricardovaste Quote  Post ReplyReply Direct Link To This Post Posted: 25 August 2017 at 09:48
Good points, Addy. To which, I'd add that this was written to when I had an update, as and when... meaning, I just wrote down how it was going at the time of it happening (rather than writing a conclusion when I'd experienced it all). I think this makes it more cumbersome to read, and also, it probably shows I was naturally a bit anxious when the whole situation began.

For example, getting the estimation quote yourself when quite stressed (amongst other work stresses etc) meant = "Ahh, MORE to do". Doesn't make life easier. *But*, I think this ultimately has to be the best way to get an accurate estimation that covers all the errors/damage you're noting. If you want it fixed, you want it fixed properly and fully.

Similarly, getting "all the documents ready" felt like more faff at the time. Some of them I didn't have to hand immediately. The reality of this, I had to spend maybe half an hour finding them, so it wasn't all that much of a problem. And at the same time, to have to gather all such information when taking out the policy would seem very OTT, so I think the way they do it has to be the best way. When you fill out your policy at the beginning, you enter your serial numbers and describe your insured items, so as long as it matches up with all your proof of purchase it's fine.

So yeah, I think 4/5 represents some of my anxiety with just dealing with the process at all.

But with the actual interactions, speed and helpfulness of them - eg, what they actually did - It would have to be 5/5 from me, with dealing with this claim.



Originally posted by addy landzaat addy landzaat wrote:

You give them 5 out of 5 but I thought your experience was quite cumbersome. It sounds more like a 4 out of 5.

Two things surprised me:

I don't understand why they ask for your previous insurers - that has nothing to do with your current claim. Maybe they wanted to check your reliability, but that should've been something to ask when you sign up with them.

Also, what is the legal status of your business? Why would they need the insurers of your (private) household when you do a insurance claim on your business?



1. I think this is about reliability as well. But, I do agree. When I take out car insurance I am asked about previous claims (zero for me) and occupation, both of which relate to the probability of me being in a crash and having to make a claim (along with my gender, age, etc etc). You'd think they'd want to know before you take out the policy if you're "less reliable" than someone else? I'm not sure... I can say this, the process of taking out photography insurance is a lot less laboring than car insurance, so I can't really complain too much.

2. I'm really not sure why they ask, but my mind went to a similar place - are they going to check to see if my home insurance policy will cover this instead, so they don't have to deal with it? I really don't know.

Just to note, unless it's not already obvious, I'm not associated with Photoguard in anyway what-so-ever. In fact, I've had criticisms of their renewal process in the past so I wouldn't be first in the queue to sing their praise overall, if it weren't for this experience with the claims process.
WEDDINGS: Richard Harris Photography | PERSONAL WORK: ourfragments.com
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ricardovaste View Drop Down
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Post Options Post Options   Quote ricardovaste Quote  Post ReplyReply Direct Link To This Post Posted: 25 August 2017 at 09:55
To add further, my one point of comparison is when someone bumped into my car a few years ago. So not a claim on my insurance (as they were at fault - reversed into me - use your mirrors!! ;) ), but I did deal with their insurance and the process.

In this case, it was dealt with through an independent claims team. They made everything "super easy". Asked me several questions about the situation, a few phone calls, and it only took maybe a month from the "bump" until getting my camera back.

They dealt with absolutely everything.

But when I got the car back, they'd only patched up one of the marks that the incident had made. This then resulted in a not so happy phone call, and them claiming the other half wasn't created by the incident etc... They fixed it in the end, but it took more time, and then some hassle.

I guess my comparison is that, with this I got the estimation myself and could deal with experts I trusted, and when it came to filing it took less than 24 hours to process. I prefer this.
WEDDINGS: Richard Harris Photography | PERSONAL WORK: ourfragments.com
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Post Options Post Options   Quote owenn01 Quote  Post ReplyReply Direct Link To This Post Posted: 25 August 2017 at 11:18
Hi Richard,

As a counter balance to this, my experience of photogear on household insurance (Aviva) was exemplary; my loss through theft is well known on here - but, with a 'like-for-like' contents policy the camera was stolen on the Wednesday and a replacement was with me on the Saturday morning. To add to that, they also stumped up the full replacement costs for the lenses/batteries/SD cards and bag it was all contained in as well - no questions asked other than did I have any receipts etc. (which, for batteries accumulated over the years, I didn't - I just sent them a link to 'reputable' sources on-line).

I'm not saying this is a better alternative to specific camera gear insurance, it's just that as the insurance landscape becomes more and more competitive, then it's worth checking policies and what is/isn't covered etc. Oh, and the coverage would also have been out of the home as well. The only thing I was concerned about was the limit of £2500 per individual item (just in case there were no a99i's available - there were!). However, this wouldn't have been an issue in this case according to the claims manager I spoke to if that had been the case.

If it's coverage for non-professional use then well worth considering to roll into your household cover.

Thanks for raising the awareness though Richard - there's a lot of unpleasant people out there...

Best regards, Neil.
My Mantra: "Comment on other's work as you would wish to have yours commented upon". Go on - it's fun!
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ricardovaste View Drop Down
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Post Options Post Options   Quote ricardovaste Quote  Post ReplyReply Direct Link To This Post Posted: 27 August 2017 at 11:36
Excellent point Neil (and glad that all worked out well for you in the end!). For anyone who doesn't have a responsibility (equipment, business etc), it definitely makes sense to check your home insurance and even seek out a home insurance that has this sort of flexibility, as that naturally makes more sense. If you're operating in a professional capacity, you'll naturally have slightly different requirements.
WEDDINGS: Richard Harris Photography | PERSONAL WORK: ourfragments.com
 



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Post Options Post Options   Quote artuk Quote  Post ReplyReply Direct Link To This Post Posted: 27 August 2017 at 11:43
For non professional use household insurance including the required level of personal possessions outside the home is generally more flexible and much more cost effective than specialist photographic insurance. However it's important to check all t&c, and it may not cover accidental damage, just theft and loss etc it also has thr benefit of covering anything ou carry - phone, laptop etc
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