Insurance

[Josh Bear]

Dear All,

I would be very grateful if someone could recommend a good insurer as i want to make sure I am covered when i am out and about even if i am shopping and the camera is in the car.

Thanks

Josh

[Stephen]

Re: Insurance

Dear All,

I would be very grateful if someone could recommend a good insurer as i want to make sure I am covered when i am out and about even if i am shopping and the camera is in the car.

Thanks

Josh

[Josh Bear]

Re: Insurance

Hi found this one. http://www.eandl.co.uk/rates/eg

[Stephen]

Re: Insurance

Hi found this one. http://www.eandl.co.uk/rates/eg

One of their leaflets fell out of a camera mag I was reading yesterday Shop around Josh

[Josh Bear]

Re: Insurance

actually got that one from my insurance broker.

However just had a look the the freelance photographers hand book and found this company

https://www.pavilioninsurance.com/payment/products/quotecustomise.asp?product=Photo&promCode=

Best Regards

Josh

[Ian]

Re: Insurance

Who do you use, Stephen?

Ian

PS I can dig out the details of my insurer - they cover me for business insurance and for the camera gear, pretty comprehensive, including off premises, in the car, abroad, etc.

[Stephen]

Re: Insurance

Who do you use, Stephen?

Ian

PS I can dig out the details of my insurer - they cover me for business insurance and for the camera gear, pretty comprehensive, including off premises, in the car, abroad, etc.

Post 2 Ian

[Julia]

Re: Insurance

Hi,

We have a Towergate Camerasure policy, which is a specialist policy for photographers. They are not too expensive and I think worth a telephone call. Web page http://www.towergateunderwriting.co....t.aspx?page=52

I hope that helps.

Julia

[Josh Bear]

Re: Insurance

thanks

Best regards

Josh

[LesleyO]

Re: Insurance

Did you get your insurance resolved? I don't know if it's the same in the UK, but in North America you can add your coverage to your home owner's or renter's coverage, including up to a certain level (with some insurers) if you do some professional shooting.

LesleyO

[Josh Bear]

[LesleyO]

Re: Insurance

Yes, unfortunately you usually have to do it via a "floater" or rider for cameras and other items subject to easy loss. I just wondered if it was the same in the UK as it is in Canada and the US.

It's a small price to pay, getting the coverage -- it will even look after things like dropping the camera or getting the lens scratched in a crowd. I know, been there & done that! Glad you're up to speed now, and hope that at least others can learn from your misfortune.... 8(

LesleyO

[P8RSON]

Re: Insurance

Like Ian above, I also have a business cover.
The main thing to watch out for is that the cheapest is not always the best form of cover.
This logic applies to a lot of considerations which I will outlay below. However one of the big problems insured users don't think of in taking out a 'cheaper quote' is what happens if I make a claim?

Depending upon the company (not the Insurer), you may find that if you make a claim, your payments for the next year (decreasing years after) will be an alarming rise, some practically as high as the claim itself.
Some companies put restrictions on your following years insurance to protect themselves and get back the money.
Basically, in the event of a future claim, try to obtain as much information as possible.

Considerations to take heed of:-

* Existing Home Insurance - Many think an existing standard household policy will cover home offices and associated contents together with business liability insurance. This is not the case.
* Limit of Indemnity -* Office Contents - Make sure you value your contents accurately and select the correct level of indemnity under the policy. Remember if you are underinsured insurers will not pay 100% of your claim
* Excess -* Working outside UK - some insurers won't cover you if you do any of your work outside the United Kingdom, others will extend coverage to the boundaries of EU and beyond, so check the small print.
* Portable equipment - Some policies exclude cover for portable equipment, therefore if you require cover for laptops etc, make sure there is appropriate cover under the policy
* Business Interruption - Should you suffer a large loss, policies have provision to provide payment to get the business back up and running, at a relatively low additional premium.
* Additional covers available - Stock, Personal Accident and Annual Travel and Professional Indemnity