Camera Insurance help

pbuckland05

I have a good bit of camera equipment I really want to get it insured does anyone know of a good company I could use I want to keep it separate from my house insurance as Ill be changing it soon.
Thanks

emrys

I have been thinking the same. Found these guys http://www.camerainsurance.ie/ but haven't called them yet

mrboswell

emrys wrote: »

I have been thinking the same. Found these guys http://www.camerainsurance.ie/ but haven't called them yet

I went with them this year as they were good value and cover offered was exactly what I was looking for. I'm covered for theft and public liability.

So far a great service and I really wanted to go with an Irish company so they were perfect.

If you call them for a quote ask for Derek and you can mention Colm O'Neill sent you.

Happy hunting!!

Paulw

emrys wrote: »

I have been thinking the same. Found these guys http://www.camerainsurance.ie/ but haven't called them yet

Have to recommend these guys too. Derek is just brilliant. Well worth mentioning boards and who recommends them.

ike

Another shout out for http://www.camerainsurance.ie I'm with them for Theft, Public Liability and personal indemnity

Hugh_C

Yep I'm with these guys too, just be careful to read what's not covered in the policy to avoid disappointment.

kjt

mrboswell wrote: »

I went with them this year as they were good value and cover offered was exactly what I was looking for. I'm covered for theft and public liability.

So far a great service and I really wanted to go with an Irish company so they were perfect.

If you call them for a quote ask for Derek and you can mention Colm O'Neill sent you.

Happy hunting!!

Camerainsurance.ie is pretty much 'aduki insurance' rebranded. They're just a reseller from what I remember. If you go direct to them it's cheaper. I ended up saving about €40/50 last year by skipping the middle man.

Paulw

kjt wrote: »

Camerainsurance.ie is pretty much 'aduki insurance' rebranded. They're just a reseller from what I remember. If you go direct to them it's cheaper. I ended up saving about €40/50 last year by skipping the middle man.

I priced Adukki and they were more expensive than going with camerainsurance.ie.

They're not a reseller, they're a broker, and there is a massive difference. A broker will always work in your best interest, while a reseller works in the best interest of the insurance company.

ValueInIreland

Camerainsurance.ie have a stand at Photo Fest TODAY (Sunday), at the Crowne Plaza, why not come a long and talk to them?

Balfey1972

Paulw wrote: »

I priced Adukki and they were more expensive than going with camerainsurance.ie.

They're not a reseller, they're a broker, and there is a massive difference. A broker will always work in your best interest, while a reseller works in the best interest of the insurance company.

Hi Guys, we are at Photofest today. Drop by the stand. Anyone with any questions or queries that can't make it today feel free to give me a call in the office. 01 8408060. We use the same underwriter as Aaduki and same policy and we have a further discount on the rates.

Mention boards and I'll give you the same show discount that we are offering today.

Hugh_C, agree with you here, most important that you read your document. I try when chatting to all to explain the benefits and what is not covered. If there is something in the policy such as security requirements that are not applicable to an individual we generally do get a work around.

Derek.

LeoB

Balfey1972 wrote: »

Hi Guys, we are at Photofest today. Drop by the stand. Anyone with any questions or queries that can't make it today feel free to give me a call in the office. 01 8408060. We use the same underwriter as Aaduki and same policy and we have a further discount on the rates.

Mention boards and I'll give you the same show discount that we are offering today.

Hugh_C, agree with you here, most important that you read your document. I try when chatting to all to explain the benefits and what is not covered. If there is something in the policy such as security requirements that are not applicable to an individual we generally do get a work around.

Derek.

I can recommend camerainsurance.ie Hard to buy this type of customer service in Ireland.

mrboswell

kjt wrote: »

Camerainsurance.ie is pretty much 'aduki insurance' rebranded. They're just a reseller from what I remember. If you go direct to them it's cheaper. I ended up saving about €40/50 last year by skipping the middle man.

I got a ridiculous quote from aduki and saved a lot more than you did by going with camerainsurance.ie.

kjt

mrboswell wrote: »

I got a ridiculous quote from aduki and saved a lot more than you did by going with camerainsurance.ie.

That's interesting. I guess it just shows with all types of insurance, shop around!

MCTarakan

Hello. Gonna go for camerainsurance.ie as price they offer fom ny equipment and public liability is 200 euro less than FDC!!!
Just wonder if anyone had claims or other insurance incedents and how it work out with them.

Balfey1972

MCTarakan wrote: »

Hello. Gonna go for camerainsurance.ie as price they offer fom ny equipment and public liability is 200 euro less than FDC!!!
Just wonder if anyone had claims or other insurance incedents and how it work out with them.

MCTarakan I am a director of the company. We are a broker so are on the clients side when it comes to claims. A large number of the boardies have taken insurance out with us over the last number of months.

PM a few of them from this post for their views on us. If you have any questions or queries give me a call directly.

Derek.

MCTarakan

Thanks, Derek. The reason I'm asking that question is that when it come up to money claim from insurance company it's always not in favor of end user. May be becouse I had bad experience with car insurance....

Balfey1972

No problems MCTarakan. Like all the insurance policies out there you have to be aware of the terms and conditions. They are clearly set out in the documents.

We will walk you through any claims process in the unfortunate event that something did happen your gear.

Also keep a note of your equipment and serial numbers. Take photos of any secondhand gear you may have bought and have no receipt for. Take a photo of them with a paper with date.

Anytime give me a call if unsure.

smelltheglove

Derek will you pm me your number, I need to renew!

Balfey1972

smelltheglove wrote: »

Derek will you pm me your number, I need to renew!

PM sent Rachel

hmboards

MCTarakan wrote: »

Hello. Gonna go for camerainsurance.ie as price they offer fom ny equipment and public liability is 200 euro less than FDC!!!
Just wonder if anyone had claims or other insurance incedents and how it work out with them.

Yes! I have just gone through this. Sorry in advance for the long post, but it's not often you read about claims here and it could be helpful to some. It's also to give credit where credit is due to camerainsurance.ie

I was in the unfortunate situation where most of my camera equipment was stolen from my car three weeks ago. Opportunist thieves smashed the windows of 4 cars in a rural car park and stole contents from the boots of the cars. My gear was in the boot, including 5D MkII, 70-200 f/2.8 IS II, 24-70 f/2.8, flash, triggers etc. So huge shock to get back to the car and find it all gone.

Thankfully I had taken out a policy in January with camerainsurance.ie . At the time we agreed what value would be covered at home, and outside (in the car). There was a condition of the policy that the back parcel shelf had to be hard. My car is an estate with a roll-back parcel shelf. Derek checked it out with the insurers and they waived that requirement without additional charge (so do read the conditions and look out for this sort of thing!).

So.. after I recovered from the experience (and I DID lose sleep!) I called O'Loughlins (camerainsurance.ie) to see how to make the claim. They asked me for details of all the equipment that was stolen, including serial numbers. I keep all this in a spreadsheet, which thankfully was backed up (my laptop was also stolen! From now on I'll keep it in "The Cloud" on google docs!). I then completed a claims form with a description of the crime, pulse ID, equipment details again and emailed it all to O'Loughlins. Receipts were requested for everything where possible. I had receipts for all the new kit, but had to go back to some of the people I bought second hand goods from. Most didn't get back to me, but I had the original boxes so included photos of these. In future I'll be asking for receipts for high value second hand goods just as proof ownership. It saves time in the event that you need to claim!

All throughout the process I had regular proactive phone calls from Colleen at O'Loughlins with updates as to how my claim was progressing. When they offered a settlement, it was actually a couple of hundred euro higher than I was insured for (they worked out a way to claim for goods in transport as well as goods outside the house), and they waived the excess. The money hit my bank account last night (they offered to either replace the equipment, or transfer the money to my account and let me source it myself)

These guys totally exceeded my expectations. There is no doubt that they were working on my behalf rather than that of the underwriters. To be honest my main worry after the kit was stolen was that the insurers will do everything they can to get out of paying for this. Thankfully I was wrong in this case.

I'm have no connections whatsoever with camerainsurance.ie or anyone that works there. I'm just a happy and relieved customer!

smelltheglove

Great post hm. I have decided on them also. I had dealt with someone elsewhere but when the person I dealt with moved on I was not happy with the levels of service within the company. I found Derek to be a lovely fella, decent price and good cover, as always I will be getting the full whack, gear, pi and pl and the price is competitive never mind the fact that they seem to be a good crowd to deal with also.

It's always great to see good reviews if a company too, hope you have managed to replace your gear hm!

thatsnotmyname

Great to hear about a happy ending HM:D

especially after what most be everyones worst nightmare