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Camera Insurance
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Hearing about ‘masteroftherealm’ having his gear stolen, prompted to ask if
anyone in Ireland provides camera insurance ?Mark
My first D70 was dropped onto concrete along with my favourite Sigma lens. I brought both back into Conns cameras for evaluation and I got a letter off them saying they were beyond repair. My home insturance, with no added bells and whistles covered both in their enitrety, less 50 euros waiver. My new camera, because it is above the maximum single item limit (3k) had to be specifically added to the policy and it cost another 10 euros per annum.
Yeah… most home insurance policies will cover items that are normally in the home (ie camera, golf clubs, laptop) even when you are outside of the home. But you do have to be wary of things like single item limits.
If I recall from boards.ie, I think there’s a company called PJT that does personal item insurance? Can’t really recall though.
This reminds me, I have to both update my travel insurance, and GET a home insurance contents policy.
I rang that crowd PJT a while ago and they told me that basic polocies start at around 250 euro.
I’d say anyone travelling with their gear could do with their policy ,I just went with the house insurance.Yep i think house insurance looks like the best deal. I put my camera as an additional item on the house insurance.
For all additional items over ?2550 they looked for a valuation certificate. I think it worked out an extra 25 quid a year
which isn’t too bad. All i need to do now is bring it everywhere with me and get value for money :D I always seem
to forget it.Camera insurance can be tricky at times. If you are an ameteur theres no problem at all….its quiet cheap but I would recommend you get it seperate from your home policy. Not sure if your home policy will cover it all around the country if you are travelling. Then suppose you run over it with your car (by accident of course !) …… which policy is claimed on…….I’m not sure.
GCP wrote:
Camera insurance can be tricky at times. If you are an ameteur theres no problem at all….its quiet cheap but I would recommend you get it seperate from your home policy. Not sure if your home policy will cover it all around the country if you are travelling. Then suppose you run over it with your car (by accident of course !) …… which policy is claimed on…….I’m not sure.
Welcome to the forum Gerry :)
As long as your camera is under the single item max limit, then 99.99% of home policies cover your camera for theft and accidental damage (in and out of the home – including travelling around the country), so you’re covered if you do want to drive over it with a car. Might make for an interesting shot!
Thanks Ciaran, I was unsure on that issue….thank God, never had to find out…touch wood.
house contents insurance usually covers camera etc.. you’d need to check your specific policy.
Sometimes you need to itemise anything you want covered outside the house eg cameras, bikes, etc
And you definitely need to itemise anything they may decide to argue with you about on value.I know when I had contents insurance I had my cameras listed including serial #
Must get insurance arranged again for the new house, and the new camera!!Just one thing to be wary of on Home Insurance, it usually covers amateur use only, so if you make a few quid selling some photos or do the odd paid work your cover might be invalid. Worth checking your policy fine print.
This all sounds fine if you have house insurance, but that’s not an option for everyone. I don’t have house insurance, but haven’t found anyone in Ireland (some in the the UK, but that’s no good) who will insure camera equipment on its own. I’d be interested if anyone does know of any insurer offering a suitable policy. Having said that, my view is that insurers are in the business of making money and that in the long run you are better off acting as your own insurer through taking good care of your equipment. If the chances of you wanting to make a claim are high, then the chances of them wanting to insure you are low (or else, only on a high premium). Peace of mind, though, is another matter.
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