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Who insures your equipment?
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My camera equipment is currently on my house insurance. I don’t do very much work at the minute but wondering should I insure my stuff separately with all the break-ins that are happening of late. Any suggestions most welcome. Thanks.
Until now I had 2 separate insurance policies ….. one for house and an all risks policy through an IPPA deal covering equipment, public liability, employeers liability, etc. With the recession I decided to review all my outgoings and have just done a new insurance policy through Aviva that gives me cover for home (cover as was)and shop (Studio) with equipment (16k for camears, lenses and portable equipment inside studio or out on jobs) and 32k of fixtures in studio together with public liability, employers liability for almost one third of the total I was paying already.
You should see your local broker or someone like that that you can trust. If you use your equipment to make a single euro then it is not covered as home contents it requires a commercial policy cover.
Hope this helps.
By far the best in the market that I could currently find.
I’ve got my gear, plus PL from them, all for a very competitive price. Also, they’re very nice to deal with, and since they’re a broker, they work on your behalf. Give Derek there a shout, and you can mention my name.
Definitely give camerainsurance.ie a call. If you mention Photography Ireland, you’ll get a 10% discount !!!
Paula N Photography wrote:
with all the break-ins that are happening of late. Any suggestions most welcome.
I have heard of a few people that have had their camera equipment stolen in the last year or two. I also heard Its one thing getting insurance but its another thing getting the money out of the insurance companies when the stuff is stolen. Prevention is better than cure but I do have insurance also. I bought a big SAFE about 2ft by 3ft in size. Its bolted to both the floor and wall (eight 5 inch bolts in total). Its also buried in the back of a press so its hard to get at. You would need a JCB to get it out. Insurance is very important but I would recommend a really good heavy safe also. I have all my cameras and lenses in it…There are lots of 2nd hand reconditioned safes on the market at the moment going cheaper than they used to. A good large safe will last you the whole of your life… For new safes take a look at http://www.allsafes.ie” onclick=”window.open(this.href);return false;
Martin wrote:
I have heard of a few people that have had their camera equipment stolen in the last year or two. I also heard Its one thing getting insurance but its another thing getting the money out of the insurance companies when the stuff is stolen. Prevention is better than cure but I do have insurance also. I bought a big SAFE about 2ft by 3ft in size. Its bolted to both the floor and wall (eight 5 inch bolts in total). Its also buried in the back of a press so its hard to get at. You would need a JCB to get it out. Insurance is very important but I would recommend a really good heavy safe also.
Have to agree. I managed to pick up a pretty large one myself (4.5 ft high, 3ft wide and 2.75ft deep) a few months ago. Its just short of ton in weight and connects to the alarm system also. It’s great peace of mind and stores my backup drives also (It’s fireproof). Got it from Barringtons in Northern Ireland http://www.barringtonsecurity.co.uk” onclick=”window.open(this.href);return false; …….. very reasonable and delivered here on a truck also. Was an effort to get it in as there was only 2cm to spare on the studio door opening ! Its handy in the sense that I can come in and just put all the camera bags in without unpacking them.
The main reason I went down this road was that a photographer in Dublin told me he had to get one installed last year before they would re-new his camera & lenses cover on the studio policy.
I did have an attempted break-in here on Thursday night, Nov 3rd. at 2.30am but they set off the alarms from outside the window. There were 2 of them with probably 2 more out on the road but I managed to get a couple of shots off so they took to the fields. They got nothing and no damage was done.
On insurance though, do make sure that you declare if you make any income from the equipment. Failure to so will invalidate your insurance.
Insurance is always described as “a contract of the utmost good faith” between both parties so its expected that a full and complete declaration is made.Hey Everyone,
Thanks to you all for your replies. I’m due a new baby in March so definitely won’t be working for the next year and won’t be making any money.GCP wrote:
.. I managed to get a couple of shots off so they took to the fields.
Is that your camera bag down at the bottom…
:DIf I had all that I might have frightened them at least ….LOL :lol:
My little .22 is no match for that lot. :) :D
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