Insewer'ants

[David Stallard]

Just interested in what you guys do for equipment cover?

We are covered through our house insurance inc 'mugging' cover - a deal we made years ago, and my Public Liability I arrange separately.

Thought I would have a look at photoGuard as a leaflet usually comes with the print version of eos magazine. . . . need to stop for a moment to try and get the uncontrollable laughter in check. . . . . . .

Ready for this. . . . .

£984 per year!!!!! or £92.66 per month

REALLY? needless to say I will be sticking with my new for old home policy, 984 quid - they should be on the stage with gags like that.

.DAVID.

[Tigger]

Re: Insewer'ants

I went for separate cover as I wasn't impressed with some of limitations

My premium is £450 a year and increased by another £70 when I added the 100-400 into the bag, so I'm expecting £550 next year, not cheap but a lot cheaper than having to replace my kit

I presume your premium is going to be higher as its for business use?

[rcarca]

Re: Insewer'ants

My premium is £450 a year and increased by another £70 when I added the 100-400 into the bag, so I'm expecting £550 next year, not cheap but a lot cheaper than having to replace my kit

I CAN confirm that replacing a vast quantity of kit is EXPENSIVE...

Richard

[CountDavid]

Re: Insewer'ants

Hi David - I check out each year for quotes from a few of the usual suspects - Morgan Richardson, Glover Howe, Aaduki, Towergate.
This is an expensive cost and there is often quite a big range of quotes. I also get new for old cover - at the rate Canon prices go, losing an old body is going to costs and arm and a leg to get the latest equivalent. I am hoping someone will nick my 1D3 so I can have a 1DX replacement!
Some of the home policies might have restrictions on them as to item value and total value out with you on a gig or in the car, so short of proper cover is effectively no cover at all.

Start saving!

David

[Tigger]

Re: Insewer'ants

I CAN confirm that replacing a vast quantity of kit is EXPENSIVE...

Richard

sorry Richard must be a painful thread ....

Some of the home policies might have restrictions on them as to item value and total value out with you on a gig or in the car, so short of proper cover is effectively no cover at all.

that was the problem I had they limited the cover to 2k whilst outdoors - so thats the lens covered and hence why I had to set independent cover up

[Robert Scott]

Re: Insewer'ants

Just interested in what you guys do for equipment cover?

We are covered through our house insurance inc 'mugging' cover - a deal we made years ago, and my Public Liability I arrange separately.

Thought I would have a look at photoGuard as a leaflet usually comes with the print version of eos magazine. . . . need to stop for a moment to try and get the uncontrollable laughter in check. . . . . . .

Ready for this. . . . .

£984 per year!!!!! or £92.66 per month

REALLY? needless to say I will be sticking with my new for old home policy, 984 quid - they should be on the stage with gags like that.

.DAVID.

You did not find the Photoguard leaflet in EOS magazine. We have our own EOS magazine Photo Insurance. See:

http://www.eos-magazine.com/insurance/index.html

It is difficult to comment on the premium you quote without knowing how much cover it provides (that is, the value of your photo equipment).

For some non-professional photographers, a home cover policy is adequate. For others, the extra benefits of a specialist photo policy are worthwhile. Keep in mind that if you earn money from your photography, even from occasional work, you will not be covered by some home policies.

[David Stallard]

Re: Insewer'ants

My apologies sir, for some reason I thought the photoguard insurance was via the magazine, I will look again - they are still taking the . . . .mick at nearly a grand though.

.DAVID.