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to UK members: What do you do about insurance?


jpattison

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I'm thinking of specialist camera insurance, as an amateur. With some European travel, in my own car.

There are a few recommended companies for an on-line quote, they want you to list each item over £100 !

Just wondering what's the best thing to do.... and have any of you had any bad experiences?

 

Thanks,

John

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Hi John,

 

Mine is on house contents insurance and a pretty comprehensive travel insurance. The thing to watch is value of a single item, and also caveats around how you protect your kit when you travel, and particularly where you leave it - safety deposit boxes, etc.

 

Regards,

 

Bill

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We recently signed up to More Than for our house and contents and I raised the camera question with them and asked, as Leica sell bodies and lenses separately would I be covered on unspecified items under £1500.00 for, say a second hand M6 and a 35mm Summicron asph which together would cost over £1500.00 to replace. They assured me that in the case of this happening I should submit 2 claims, 1 for the body and 1 for the lens. I also asked what would happen if I were to loose my camera bag with everything in it. They said that providing no item would cost more that £1500.00 all items would be covered. I hope this helps

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Mine's on my household policy too. I sent my insurance broker a list of my kit and asked for 10k cover specified out of the house (DMR, couple of lenses or whatever) - no problem. I think I pay about 2% of the value insured for all risks cover.

 

Charlie

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I have a policy with AUA Insurance, which is reasonable and has a good name as far as I can tell from word of mouth. Fortunately I haven't occasion to claim but they advertise reimbursement at current market value, which in the case of constantly appreciating Leica equipment, seems to be good value.

 

Pete.

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Leica equipment doesn't constantly appreciate in value. Not from where I'm sitting, anyway.

 

It does when you are insuring on a new-for-old basis and the insurance company expects you to have cover for the current new price.

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Leica equipment doesn't constantly appreciate in value. Not from where I'm sitting, anyway.

Fair comment, Andy, my R kit may be bucking the trend too. :( I suppose I'm referring to M lenses, which represent the major portion of my insured sum.

 

Pete.

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