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UK camera insurance recommendations?

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adrichardson View Drop Down
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Post Options Post Options   Quote adrichardson Quote  Post ReplyReply Direct Link To This Post Topic: UK camera insurance recommendations?
    Posted: 19 June 2020 at 00:00
Hi everyone

I was just wondering if anyone UK based has any recommendations for insurance providers? I'm currently covered by Photoguard, but I've found their customer service to be pretty terrible and their premiums seem to shoot up every year despite me never having made a claim.

I've recently switched to an A7Riii and it's likely to be pretty expensive to substitute it for my A7Rii on my current policy. It cost me £62 to switch two lenses, which isn't great considering they were worth nearly £150 less than the lenses that were originally on the policy.

I'm inclined to give somebody else a go, but it would be useful to hear some experiences before I make he jump. I don't need anything too exotic - foreign travel, but I'm strictly amateur so no need for indemnity etc.

Thanks!
A7Riii, Zony 35/2.8 & 55/1.8, Sony G 90/2.8
 



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dCap View Drop Down
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Post Options Post Options   Quote dCap Quote  Post ReplyReply Direct Link To This Post Posted: 19 June 2020 at 00:57
I'd try your current home buildings/contents insurer first. Rather than a specialist.

Mine wasn't interested in listing any specific items worth less than £2000 each (in the home). Some insurers have this itemize point at £1000 or £1500 I think. I challenged this and said I have a camera and a seperate lens worth x + y. Single item is all they cared about.

Then mine offers, for an optional extra, the away-from-the-home cover. Which I'm guessing is what you want/need. Can't remember the exact values but I think I was offered £2000 total with no single item worth over £700 as their starting point ... which I declined and pushed it up to the £3000 total, £800 single item tier. Again, guessing a little at these numbers. I would imagine there is a tier or a few tiers above this too. Or perhaps a special way to list an expensive single bit of kit or two.

The last thing they want is a call back to amend the policy (admin cost to answer the call). So the tiers work for you and them.

You'd then know that any new £300 or £500 or £700 extras or swap outs are not something they are interested in. Depending on the tier limits.

I don't (didn't) travel with a laptop so didn't need to factor that in (they asked). And be careful with your phone too - I own/use a cheap £200 (new) phone so didn't need cover. But if you have a £1500 iPhone you might need to list it. Most UK banks offer some kind of mobile phone insurance with your current account (not sure the policy specifics though).
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nandbytes View Drop Down
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Post Options Post Options   Quote nandbytes Quote  Post ReplyReply Direct Link To This Post Posted: 19 June 2020 at 09:12
I use eversure. Going through LCE gives you 10% discount too which is nice. I have heard good things from them.

Edited by nandbytes - 19 June 2020 at 09:40
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owenn01 View Drop Down
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Post Options Post Options   Quote owenn01 Quote  Post ReplyReply Direct Link To This Post Posted: 19 June 2020 at 09:39
Hi,

Well, I'd go with dCap above for starters; all my gear is covered on our household insurance policy (Aviva) and after having a break-in 3 years ago when I lost an a99 and a couple of lenses they paid up with not hassle whatsoever; in fact, I seem to recall I had the replacement, brand new, a99 by =the start of the following week.

You may just need to check what the individual item value is for an A7rIII but it's pretty simple to just list it (with Serial Number to be on the safe side) and check it covers you loosing it/damage whilst outdoors etc. but I've spoken with Aviva about this and they confirm it's all covered. just remember - it's not the cost of the total bundle that you may loose but the individual items they need to know; if they are all below their declaration level then you are good to go.

Clearly, you need to check your own policy but they all now seem to be competitive for what they cover.

Otherwise, try some of the photo society sites and see if they endorse anyone:

PAGB

KCPA
Good luck and best regards, Neil.
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nandbytes View Drop Down
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Post Options Post Options   Quote nandbytes Quote  Post ReplyReply Direct Link To This Post Posted: 19 June 2020 at 09:45
Last time I checked with my home insurance it did not cover any damages abroad and they weren't really clear on outdoors either.

So for peace of mind I decided to just buy a separate insurance cover for my gear for this year (you know because I am doing SO MUCH TRAVELLING NOW )

On my next renewal for home insurance I will definitely do a better search that will cover me better. Reason being camera is not the only thing that can get destroyed/stolen outdoors. Expensive things like phones, jewellery, watches etc and even more susceptible. My camera insurance doesn't cover all that. I meant to look into it as soon as I got back from my holiday in Feb but lockdown happened and I really haven't had the motivation to look into it in much detail.
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Tricky01 View Drop Down
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Post Options Post Options   Quote Tricky01 Quote  Post ReplyReply Direct Link To This Post Posted: 19 June 2020 at 09:55
If doing any paid work you'll need specific cover, but otherwise home insurance is good. I have building and contents insurance including accidental cover with British Gas of all people. Had to make a claim last year and they were impeccable. My camera bag had moved in the boot while driving to a picnic with friends, and when the boot opened, it rolled out and fell on the concrete, damaging my a mount 70-200G and 135CZ.

Given the values involved they were understandably quite meticulous in getting the cause documented and checked, and I was also slightly interrogated about whether or not I was a business (they saw I had a website and advertised services). But when I steered them to linkedin to see my main job details they were fine.

They paid to have them both sent off to Sony for repair. The CZ was repaired, but the 70-200G was beyond repair and so they gave me the money for the RRP. My premium has gone up a bit, but I was nonetheless very impressed with the speed they sorted it all and the communication throughout.
A7iii, 15f2, 16-35f4, 35f1.8, 85f1.8, 135f1.8GM, 100-400GM, 1.4xTC // A mount: Sig90f2.8 and Sig180f3.5 Macros, Gitzo Traveller, Flashes+PixelKings website
 



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adrichardson View Drop Down
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Post Options Post Options   Quote adrichardson Quote  Post ReplyReply Direct Link To This Post Posted: 19 June 2020 at 13:05
Thanks everyone - that's incredibly helpful!

I've looked into adding it to mmy travel and contents insurance, but it's not as straightforward as I hoped. I'm tied to John Lewis for a replacement on the home insurance and the travel insurance only covers me for £500 per item, even if I extend the cover limit.

I'll look into the suggestions and see what it comes out at.

A7Riii, Zony 35/2.8 & 55/1.8, Sony G 90/2.8
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dCap View Drop Down
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Post Options Post Options   Quote dCap Quote  Post ReplyReply Direct Link To This Post Posted: 19 June 2020 at 13:48
I used a well known insurer for many years (which turn out to not to be overly adaptable) but when I moved last year I moved to an area they were not prepared to insure (who knew being <200m away from a sea wall was risky!).

Very long story short (lesson learned: I am too near to the sea) - I ended up calling a few brokers and they delve into lesser known insurance companies (not the familiar known brands) - so I got unforunately famililar with their odd-items terms. So the "£2000 / £600" and "£3000 / £800" type tiers appeared to be a common theme? Again they are all interested in jewelry (Leica owners beware).

They did ask (so I assume they did also cover as an option) if it was personal use or business. OP said personal. And mine accept home business (office-type) under personal insurance. I didn't need and didn't take overseas cover. Again, in the UK, some banks offer holiday insurance with their current accounts. I actually changed my bank account to not have mobile phone insurance or travel insurance, I've always taken travel insurance as a one-off or seperate annual cover since you can be specific while a bank offers no options - I was also 'paying' for these free un-used services through my bank, but not any more thanks. I don't think a bank would understand some of your kit bags of lenses on a holiday.
Sony RX100 IV Zeiss Vario-Sonnar T* 1,8-2,8/8,8-25,7 [ 24-70mm ]
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dCap View Drop Down
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Post Options Post Options   Quote dCap Quote  Post ReplyReply Direct Link To This Post Posted: 19 June 2020 at 13:50
I only found out my extra info when I moved home and my insurer declined to insure the postcode/zip I moved to. While it took a very long time to resolve I learned and got a better policy ... so perhaps park it until renewal is due (you also ALWAYS get a sweet rate if changing company).
Sony RX100 IV Zeiss Vario-Sonnar T* 1,8-2,8/8,8-25,7 [ 24-70mm ]
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adrichardson View Drop Down
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Post Options Post Options   Quote adrichardson Quote  Post ReplyReply Direct Link To This Post Posted: 19 June 2020 at 19:26
Yeah I had similar problems with the last place we moved to - we were too close to a river that didn't actually exist!

I don't think most travel or gadget insurers understand how expensive your camera bag can get.
A7Riii, Zony 35/2.8 & 55/1.8, Sony G 90/2.8
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