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Camera and optics insurance

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robw210
Posts: 30
Joined: Fri Jul 31, 2015 6:07 am

Camera and optics insurance

Post by robw210 » Wed Feb 09, 2022 8:19 am

What insurance companies are recommended for covering all camera kit and optical equipment ?.

Shocked at how much it would cost to replace my go to equipment , Off to USA soon , think I need to cover it all for the unthinkable .

Thank you

Dave Smith
Posts: 883
Joined: Wed Sep 08, 2010 8:22 pm

Re: Camera and optics insurance

Post by Dave Smith » Wed Feb 09, 2022 8:52 am

Can't you et them covered under our house insurance?

davem
Posts: 1084
Joined: Mon Oct 05, 2009 8:48 am

Re: Camera and optics insurance

Post by davem » Wed Feb 09, 2022 12:43 pm

I get all mine covered on the all-risks part of my contents insurance with NFU - covers accidental damage as well up to an agreed single item limit (which I can choose) - obvs affects premium the higher unit item you choose but better be safe than sorry.

ms190876
Posts: 5
Joined: Mon Jan 24, 2022 8:49 pm

Re: Camera and optics insurance

Post by ms190876 » Sun Feb 13, 2022 8:21 pm

I have mine covered on my house insurance, with a couple of the more expensive items specified. Added very little to the overall premium

Also had to claim a few years ago after I dropped my 70-200 lens from about 5 feet - repairable, and all handled very efficiently

Supra
Posts: 2699
Joined: Tue Jun 15, 2010 8:01 pm

Re: Camera and optics insurance

Post by Supra » Tue Feb 15, 2022 12:42 am

The only financially viable way to insure your whole camera kit is by selecting a Home Contents Insurance Company which offers extended cover for "Unspecified items below (say) £1500 outside of the Home" which covers your Bag only, smaller lens & Teleconverters & cheaper bodies. Anything over that is a "Specified Item " which must be registered under the Serial # with your value stated! Clearly under-insuring is unwise, however you should be aware that the stated values are 'indexed' annually & you can end up paying for inflated item values. " You pays your money & takes your choice!". I personally insure everything for a worst case event of total loss "All Risks / Worldwide" based on replacing used gear with used gear! I cannot personally justify the insurance premium on a "New for Old" basis! :)
I've had about 6 claims over 30 years & they've always paid-up. These days the claim goes through a professional Loss-Adjuster to ensure there are no dishonest or fraudulent claims that would raise every-ones' premium! :roll:

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