chris_tribble Posted July 6, 2007 Share #1 Posted July 6, 2007 Advertisement (gone after registration) I'm aware that there was an earlier thread on this, but it kind of petered out. Problem - I have about £25,000 worth of photographic equipment (Leica / Canon) and my present insurer (done through house-hold all risks) has just put a limit of £1500 per item. Question - is anyone out there able to recommend a UK or EU insurer who would be able to cover the replacement value for my Leica stuff... the 2 M8 bodies are the main problem, though I wouldn't like to be capped when it came to replacing some of the glass either... The 5D and the Canon glass are OK... Really grateful if anyone is able to advise on the forum or via PM. Thanks Link to post Share on other sites More sharing options...
Advertisement Posted July 6, 2007 Posted July 6, 2007 Hi chris_tribble, Take a look here Insurance re-visited - Insuring cameras in the UK. I'm sure you'll find what you were looking for!
cocker Posted July 6, 2007 Share #2 Posted July 6, 2007 Hi Chris, I use to have a policy with E & L Camera Insurance | Photographic Insurance, Digital Camera Insurance - E&L but they aren't cheap. I now have cover via my household insurance. Link to post Share on other sites More sharing options...
chris_tribble Posted July 6, 2007 Author Share #3 Posted July 6, 2007 Keith I'll check - I'd always thought I was best off with the household cover but First Direct won't do it at all so far as I can see + the other company we use for our London flat has this £1500 cap. Best Link to post Share on other sites More sharing options...
spylaw4 Posted July 7, 2007 Share #4 Posted July 7, 2007 I have my camera insured with CIS as a stated value item. Try them - the rate for contents cover seems reasonable. Link to post Share on other sites More sharing options...
chris_tribble Posted July 7, 2007 Author Share #5 Posted July 7, 2007 Brian - thanks. Checking them out... there was a slight gulp at their end, compounded by the fact that I used the equipment professionally, but I think they might be able to do something - great if it works as I've always liked the Coop... Link to post Share on other sites More sharing options...
andybarton Posted July 7, 2007 Share #6 Posted July 7, 2007 I have just changed my household policy to Legal and General, and they are pretty generous with their cover, and you can specify individual items, such as watches and cameras etc. Link to post Share on other sites More sharing options...
chris_tribble Posted July 7, 2007 Author Share #7 Posted July 7, 2007 Advertisement (gone after registration) Andy - thanks. Once I've got some quotes and made a decision I'll send back the results to the list. The critical issue seems to be a) the value of the M8 bodies + the fact that I use them professionally (even though it's not my full-time job). More anon... Link to post Share on other sites More sharing options...
jlancasterd Posted July 7, 2007 Share #8 Posted July 7, 2007 We had a problem some years ago with special requirements on our house contents insurance (I have a large library of books on the history of narrow-gauge railways - several hundred volumes - of which some individual volumes are worth hundreds of pounds). We eventually found that a Norwich Union Tapestry policy was the best option. It seems that this policy is specifically designed for people with more than usually valuable possessions - not only were they prepared to accept a large valuation on the books, but they also accept cameras and lenses (individually specified with serial numbers etc) on a world-wide risks basis with no apparent upper limit. Link to post Share on other sites More sharing options...
chris_tribble Posted July 8, 2007 Author Share #9 Posted July 8, 2007 John - hadn't thought about Norwich Union ... I'll investigate. Thanks. BTW - to stop this just being a personal counselling service, I was wondering if anyone had calculated whether it was actually worth insuring at all... How many have actually claimed on insurance for photographic equipment? I know I've paid out several thousand pounds over the last 20 years, and never made a claim! Any other experiences? Motor cars, yes ... but cameras? Not so sure - though I don't think I'll break the habit for the moment... Link to post Share on other sites More sharing options...
wattsy Posted July 8, 2007 Share #10 Posted July 8, 2007 I was wondering if anyone had calculated whether it was actually worth insuring at all... Depends whether you can afford to replace the stuff if it gets nicked (the main risk, in my opinion). I'm not risk averse, but when you are carrying around around £10K of stuff (e.g. 2 x M8s and 2 x Leica lenses), I think it's pretty foolish not to be insured. I've chopped and changed over the years but am currently insured through Photoguard. Not cheap by any means, but they cover pro and semi-pro use and offer a useful policy with full EU coverage (including 30 days rest of the world). Don't leave home without it. Link to post Share on other sites More sharing options...
dhsimmonds Posted July 8, 2007 Share #11 Posted July 8, 2007 Chris I'm insured with aaduki's "Photographers Insurance" under their 'Versatile Insurance' policy. It's amazing how much value an R9/DMR and a handfull of lenses all add up! In my case I am paying about £240 premium for close on 12K of gear for UK and 60 days world coverage. It was the latter that finally led me to them. Link to post Share on other sites More sharing options...
chris_tribble Posted July 9, 2007 Author Share #12 Posted July 9, 2007 Ian / Dave - re being insured - I agree despite the odd niggle... still checking out where the best value will be - Photoguard sounded good... Best C: Link to post Share on other sites More sharing options...
chris_tribble Posted July 9, 2007 Author Share #13 Posted July 9, 2007 Wow - it really pays to shop around. On £25,000 worth of equipment (a mix of Leica and Canon) quotations have ranged from £950 (Photoguard) to £350 (aaduki's "Photographers Insurance") ... I think you might have guessed which one I'm going for... It will give me better cover than I had with my household contents cover + save me £200 a year on the premium I had been paying!! For others faced with a similar problem, the deal with the package I'm getting from aaduki: - Cover "at home" for the full value year round - Cover in use for up to £14000 at any one time (which suits the way I work) - Limit on cash value of single items set at £10,000 - up to 60 days world wide a year - up to £2000 hire fees per claim if needed.. I'm very happy with this - and the people at aaduki are really nice to deal with! Many thanks Dave + to to all who have got back to me on this - it really shows the value of the forum - not just pixel peeping, but also some solid professional advice. Really appreciate... Link to post Share on other sites More sharing options...
MrEd Posted July 9, 2007 Share #14 Posted July 9, 2007 .......Best insurance money can buy is Smith & Wesson.......... . Link to post Share on other sites More sharing options...
dhsimmonds Posted July 9, 2007 Share #15 Posted July 9, 2007 Chris I'm pleased that you have settled with aaduki and hope that it is all ok for you as they have been with me. I also spent some time obtaining quotations and comparing all the small print; boring stuff but necessary to get true comparisons. Aaduki made it very easy in that respect. Good luck! Link to post Share on other sites More sharing options...
chris_tribble Posted July 9, 2007 Author Share #16 Posted July 9, 2007 .......Best insurance money can buy is Smith & Wesson.......... . Ed - is this a foreign policy statement or insurance advice?... I think I'll stick with instruments that are under-written by Lloyds of London and maintained by the gnomes at Solms... but thanks for the advice... Link to post Share on other sites More sharing options...
wda Posted July 9, 2007 Share #17 Posted July 9, 2007 Wow - it really pays to shop around. On £25,000 worth of equipment (a mix of Leica and Canon) quotations have ranged from £950 (Photoguard) to £350 (aaduki's "Photographers Insurance") ... I think you might have guessed which one I'm going for... It will give me better cover than I had with my household contents cover + save me £200 a year on the premium I had been paying!! For others faced with a similar problem, the deal with the package I'm getting from aaduki: - Cover "at home" for the full value year round - Cover in use for up to £14000 at any one time (which suits the way I work) - Limit on cash value of single items set at £10,000 - up to 60 days world wide a year - up to £2000 hire fees per claim if needed.. I'm very happy with this - and the people at aaduki are really nice to deal with! Many thanks Dave + to to all who have got back to me on this - it really shows the value of the forum - not just pixel peeping, but also some solid professional advice. Really appreciate... Chris, I'm a bit late entering your thread. A few years ago I ran into trouble with inclusion of my photo equipment on my household policy (then done through Lloyds Bank) because I used some of my kit for 'professional' use. They would not allow its inclusion on my household insurance. I have used Towergate Camerasure (Photographic Insurance, Amateur & Professional Photographers Insurance) for several years and found them very satisfactory. Only made one claim (a Bowens flash head smashed accidentally on location by a third party) and it was settled swiftly. I got a discount through membership of the RPS and they also gave me a good discount on my home insurance. David Link to post Share on other sites More sharing options...
gabriel Posted July 9, 2007 Share #18 Posted July 9, 2007 Just insured my household contents and buildings with Hiscox https://www.hiscoxonline.com/qs/online/home.jsp?Google1 Not only do they insure high value contents but as well as not requiring you to specify individual items only a total value, they also cover all items for all risks world wide Link to post Share on other sites More sharing options...
chris_tribble Posted July 10, 2007 Author Share #19 Posted July 10, 2007 David / Gabriel ... heigh ho - the decision's made... I'll hold on to these for next year and maybe do another beauty competition around the suppliers. Whatever my decision, this makes a really useful set of contacts for others in the UK who face similar issues. Thanks to all. BTW - if anyone want's to check aaduki, their site is: Aaduki home page V Best C: Link to post Share on other sites More sharing options...
gareth_c Posted July 14, 2007 Share #20 Posted July 14, 2007 I don't suppose anyone here has an Epson R-D1 covered in their insurance? Getting cover for my M8 doesn't seem to be a problem, the R-D1 is another story. As it is now out of production all the insurance companies are telling me that in the event of loss or damage that can't be repaired (not all that unlikely I think) they will only value the camera at the then current market value (ie second hand). Maybe expecting more than that is unrealsitic on my part, but thought I would check-in with the group in case anyone had a better solution. Link to post Share on other sites More sharing options...
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