Camera insurance

[draggons]

Fellow enthusiasts,

I’m guess that quite a few of you on the forum have some pretty decent or high end equipment in your arsenals.

Question is do you guys have specialised or exclusive insurance for your equipment or have it covered on house insurance?

I’ve had three cameras stolen over the last few years , not cheap ones either!!! Two house break-ins, one in Thailand and one in South Africa, and one lifted, literally, under my nose in a café in Stockholm….

Up until now I relied on insurance through my bank (Scottish) but last time back home took out camera insurance to cover all my gear worldwide. £500 a year but defiantly have peace of mind now.

[MJP]

Draggons, what value does that cover?

[draggons]

Draggons, what value does that cover?

PM'd you MJP.

[MJP]

Draggons, what value does that cover?

PM'd you MJP.

£500 a year to insure an old Polaroid. Blimey!

[draggons]

Box Brownie mate

[MJP]

Rare these days. Increasing in value by the day.

[sunshine51]

If anybody has "good gear" it's always best to have it insured for

full replacement value. Sure it's gonna cost a fair whack of dosh

each year and more if you send in a claim...but...as Draggons

stated, there's that peace of mind feeling. Instead of some jerk off

who has just nicked a "piece of mine".

One can get their gear insured exclusively, insured along with

household goods or included in your travel insurance (you do

have travel insurance don't you?!)

To me...if you don't have insurance you're just begging for trouble.

Couple decent links listed below...

http://www.gloverhowe.co.uk/photographic-insurance/

http://www.photoguard.co.uk/

Hope this helps somebody...like all those who have zero gear

insurance.

[draggons]

I used Photoguard and am well pleased with the cover I've got. Liked the way you can customise your policy.

[MJP]

I used Photoguard and am well pleased with the cover I've got. Liked the way you can customise your policy.

Does the policy cover ladyboys? Sorry, I mean Thailand.

[sunshine51]

I used Photoguard and am well pleased with the cover I've got. Liked the way you can customise your policy.

Does the policy cover ladyboys? Sorry, I mean Thailand.

Have a look at their website MJP...they offer worldwide coverage & a bunch of other stuff;

so yes...they cover LOS...which is much better than LOST with no coverage of any kind.

[MJP]

I used Photoguard and am well pleased with the cover I've got. Liked the way you can customise your policy.

Does the policy cover ladyboys? Sorry, I mean Thailand.

Have a look at their website MJP...they offer worldwide coverage & a bunch of other stuff;

so yes...they cover LOS...which is much better than LOST with no coverage of any kind.

I'm surprised there's no ladyboy exemption clause.

[fimgirl]

I used Photoguard and am well pleased with the cover I've got. Liked the way you can customise your policy.

Does the policy cover ladyboys? Sorry, I mean Thailand.

Have a look at their website MJP...they offer worldwide coverage & a bunch of other stuff;

so yes...they cover LOS...which is much better than LOST with no coverage of any kind.

Maybe not if you are domiciled or permanently resident outside of the UK/EU region.

As I read it, worldwide cover is an optional extension available to UK based policyholders traveling abroad for short term trips and not designed for overseas domiciled persons which would also include long term stayers (i.e + 60 days)

Things may well have changed in the 15 years since my retirement as a UK Lloyds syndicated insurance broker but this was certainly the situation then.

I hope underwriting restrictions have eased as I would dearly love to comprehensively and certifiably be able to insure my gear over here. Thai insurers cover is woeful.

Maybe in your interests to contact the syndicate and establish precisely what cover you have if indeed you are non UK based.

If they confirm cover - I'm in. Perhaps you could update in due course.

[sunshine51]

^^^ @ fimgirl...very good point this. I'm with a different insurance company

and they charge a huge premium if you reside abroad...Alianz. That said

I have just emailed Photoguard and awaiting reply on overseas resident

coverage.

[JPR300]

Hi All,

 

I'm emigarating to Phuket at the end of this month (July 2021). I've contacted most of the camera equipment insurers and they all (including Allianz) ask that you are domiciled in the UK (where I'm from) and that your travelling for a finite amount of time. If your backpacking and moving from country to country they will cover you, however, you must be returning within a 12 month period (that was the conditions with Allianz), they will not cover one-way trips, just returns.

 

You must get insurance in Thailand and as an Allianz agent informed me, this policy might have to be in the name of a Thai.

 

If anyone has any adivice on Thai insurance companies to approach then do let me know.

 

JPR300