Brighton1975 Posted January 2, 2012 Share #1 Posted January 2, 2012 Advertisement (gone after registration) Can anyone recommend a decent (and preferably cheap) insurer in the UK that will cover loss or damage of both camera and lens(es) when outside of the home? I'm t-h-i-s close to most definitely buying an M8.2 (or M9... ahem) and I would feel less jittery about taking it out and about with me if fully covered. Thanks in advance Link to post Share on other sites More sharing options...
Advertisement Posted January 2, 2012 Posted January 2, 2012 Hi Brighton1975, Take a look here Insuring your Leica kit in the UK - advice needed please. I'm sure you'll find what you were looking for!
Jeff S Posted January 2, 2012 Share #2 Posted January 2, 2012 Can't be specific since I'm in the US, but here I have a rider to my home policy that covers full value on my equipment, with no deductible, and covers all locations and circumstances including my own fault. Don't know if you have such available across the pond. Jeff Link to post Share on other sites More sharing options...
farnz Posted January 2, 2012 Share #3 Posted January 2, 2012 Have a look at AUA Insurance. I've used them for a few years and they're inexpensive compared to the competition. I'm fortunate never to have had to make a claim and the only small thing that rankled was that they slapped a 10% excess on any items worth more than £2,500. It wouldn't have irritated me except that for 3 years they'd insured my M8u bought new for £2990 without the excess and then imposed it despite no claims. Pete. Link to post Share on other sites More sharing options...
Peter H Posted January 2, 2012 Share #4 Posted January 2, 2012 My household insurance (Direst Line) covers it for a very small extra premium, something like £50-00 pa extra for up to £35K cover for cameras and lenses in or out the house or car, including abroad, accidental damage, theft, loss etc.Very small excess too, £100 flat I think. I looked at the specialist insurers but this was such a good deal I stopped looking. Have you tries yours? Link to post Share on other sites More sharing options...
250swb Posted January 2, 2012 Share #5 Posted January 2, 2012 I think the right track may initially be trying to fit it in with your household insurance for a cheaper scheme. I'm not saying that is what I do, because I don't, but because all my insurances got out of sync I went with an independent broker specialising in camera equipment just for convenience. They are 'Glover and Howe' and you should get a free quote from them just to compare Glover & Howe Insurance Services - Colchester - Welcome... But I think I may be able to do better if I lump my camera equipment in with the household policy given I am no longer prioritising any commercial use. Steve Link to post Share on other sites More sharing options...
Jeff S Posted January 2, 2012 Share #6 Posted January 2, 2012 To expand a bit on my post #2, I got better value (in the US) having a separate rider attached to my home policy (still issued by the same company) rather than including camera gear as home contents in my general home policy. The difference, apart from cost, was no deductible, full itemized value determined in advance (with automatic inflation increases), and broader coverage (i.e., no exceptions). You might determine whether this distinction applies for UK companies. Jeff Link to post Share on other sites More sharing options...
wattsy Posted January 3, 2012 Share #7 Posted January 3, 2012 Advertisement (gone after registration) My household insurance (Direst Line) covers it for a very small extra premium, something like £50-00 pa extra for up to £35K cover for cameras and lenses in or out the house or car, including abroad, accidental damage, theft, loss etc.Very small excess too, £100 flat I think. Seems absurdly cheap. My experience of the specialist insurers is that the premium usually costs around 2% of the insured value. Might need to rethink what I'm doing when my policy is up for renewal in June. Link to post Share on other sites More sharing options...
Jeff S Posted January 3, 2012 Share #8 Posted January 3, 2012 the premium usually costs around 2% of the insured value. FWIW, my special rider in US costs under 1.5% initially, but covered value can be increased up to 150% if replacement values rise, without changing policy and without any corresponding increase in premiums, equating to just under 1% in that circumstance. Jeff Link to post Share on other sites More sharing options...
Brighton1975 Posted January 4, 2012 Author Share #9 Posted January 4, 2012 I managed to get it insured through my household insurance (Tesco). For about £7/8 per month it covers me against accidental damage and theft (not from an unlocked hotel room or a car - which I have neither!). Now I can take it out and shoot without looking over my shoulder or crossing the road when an undesirable walks in my direction! Oh, and it doesn't cover damage caused by pets. That's ok, my cats are more than happy using the D7000 for their photographic needs... Link to post Share on other sites More sharing options...
wda Posted January 4, 2012 Share #10 Posted January 4, 2012 That made me laugh! Unless you have special or professional needs, then home insurance is the way to go. Much more convenient, too. Link to post Share on other sites More sharing options...
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