Camera Travel Insurance

pete4130

Wondering if anyone has any suggestions on getting yearly travel insurance for their kit. All my kit is insured on my house insurance back in Ireland on the all risks policy but if I'm traveling for the next year or so and make a claim on my house insurance, while I'm not technically living there. I know I'll need to give them a call tomorrow and see where I stand. I'd rather not make a claim on my house policy and up that premium if I can help it.

I just want some peace of mind with specific camera travel insurance. I've looked at a few places online like photoguard and E&L.

It's about £11,000 (€13,000-€13,500) worth of kit.

Photoguard seem good but their premium is around the £770 mark while E&L are more reasonable at about £260.

I've done some reading on E&L and they seem to be awkward to deal with when making a claim, long waits on the phone (which isn't ideal being on the other side of the world), poor customer service etc....

Has anyone got any experience with this that can give me some advice?

Thanks.

Paulw

You could always try to contact camerainsurance.ie and see if they can help you.

I've never done travel like that, so have no direct experience of what you're looking for, but I doubt that your home insurance would cover your gear on holidays.

pete4130

My house insurance does cover my stuff all risks, loss, theft or accidental damage. I pay a pretty heavy added premium on top of my policy (through AIB home insurance) so its always protected. I'm just unsure if I can be out of the country for so long and for it to remain protected. I guess giving them a call tomorrow will clear it up in that respect. I'd just be happier knowing I had specific camera travel insurance.

Camerainsurance.ie only allows 30 days max travel for amateur insurance and no quick quote for pro/semi pro rates

Paulw

pete4130 wrote: »

My house insurance does cover my stuff all risks, loss, theft or accidental damage. I pay a pretty heavy added premium on top of my policy (through AIB home insurance) so its always protected. I'm just unsure if I can be out of the country for so long and for it to remain protected. I guess giving them a call tomorrow will clear it up in that respect. I'd just be happier knowing I had specific camera travel insurance.

I believe, but could be wrong, that you are not covered when out of the country. Your insurance policy, most likely, will specify the country of cover. In many cases, your gear is not even covered if you go to the UK.

Check the small print.

But, definitely, see what they have to say when you talk to them. Failing that, shop around.

pete4130

IIRC, I think AIB have me covered anywhere I go. I'll have to double check. I'm thinking photoguard.co.uk is seeming like my best option at the minute. Better to pay the £770 than lose £11k!!

Paulw

To be honest, that sounds like a crazy price. My insurance isn't that amount, and I've 38k of gear. Mind you, mine only has 45 days worldwide.

Give camerainsurance.ie a shout and see how they compare.

Borderfox

I'm with Photoshield (never again) and they are €700 for the year 20k worth of gear

Paulw

Borderfox wrote: »

€700 for the year 20k worth of gear

Wow. My last year was only €620, 38k of gear, and 6.5m PL.

It's due for renewal in Feb, so I'll be shopping around.

pete4130

What's so bad about photoshield? Just price? I'll look into them later when I get home.

Borderfox

pete4130 wrote: »

What's so bad about photoshield? Just price? I'll look into them later when I get home.

wa**ers to deal with, wanted €130 extra for monthly direct debit. They also changed insurance company three times??

Balfey1972

pete4130 wrote: »

Wondering if anyone has any suggestions on getting yearly travel insurance for their kit. All my kit is insured on my house insurance back in Ireland on the all risks policy but if I'm traveling for the next year or so and make a claim on my house insurance, while I'm not technically living there. I know I'll need to give them a call tomorrow and see where I stand. I'd rather not make a claim on my house policy and up that premium if I can help it.

I just want some peace of mind with specific camera travel insurance. I've looked at a few places online like photoguard and E&L.

It's about £11,000 (€13,000-€13,500) worth of kit.

Photoguard seem good but their premium is around the £770 mark while E&L are more reasonable at about £260.

I've done some reading on E&L and they seem to be awkward to deal with when making a claim, long waits on the phone (which isn't ideal being on the other side of the world), poor customer service etc....

Has anyone got any experience with this that can give me some advice?

Thanks.

Hi Pete,

Check out the cover and ask the underwriters to confirm in writing if you are told that cover is provided for what you require under your house insurance. Most have restrictions in the policy wording giving you a max of 30 to 45 days. You will have to provide them evidence of your travel if a claim occurs and that you were not out of the country for longer than the stated period.

In relation to the other tailored policies out on the market again they have inner limits on the number days. Be aware that if you earn any income from your photography that you should look to get semi/prof quote. (These rates are much cheaper than the Amateur rates. People think it would be the opposite which is not the case).

Feel free to give me a call if you want to get a quote and I'll talk you through the options open to you.

Derek - www.camerainsurance.ie
01 8408060

pete4130

Derek,

Thanks for the info. I'm back in Dublin tomorrow morning so I will give you a call sometime during the day and we can go through it. Thanks.

Balfey1972

pete4130 wrote: »

Derek,

Thanks for the info. I'm back in Dublin tomorrow morning so I will give you a call sometime during the day and we can go through it. Thanks.

Pete,
Good to talk to you. Enjoy the trip and hopefully the advice won't be needed.
Derek.