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Insurance - why you SHOULD have it

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Old Tuesday 12th July 2005, 14:53   #1
Corax67
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Insurance - why you SHOULD have it

Hope this goes a little way to convincing BF members how important good insurance really is.

Booked a well earned day off to visit the Island of Skomer off the West Wales coast to photograph the resident seabird colonies - armed with all of the usual birders toys (Leica APO scope & bins, Canon 20D, 300mm f2.8, 70-200 f2.8, teleconverter et al) in my trusty Lowepro backpack I hopped the boat over & set about my task with glee.

All was going well until I decided to go from long distance shots of Fulmar & Kittiwake on their cliff wall nests to arty close ups of Puffins. Off came the teleconverter which was placed in a spare lens pouch with a spare 1Gb pro CF card & my Canon timer release switch.

You can guess what happened next - in my haste I had not clipped the lens case onto my backpack and while lying on the floor composing my next photographic masterpiece glimpsed the case roll down the slope and off the edge of a 200 foot cliff ! ! ! (splash)

Thankfully common sense overrode my natural instinct to perform a diving catch worthy of an England wicket keeper in a deciding test match (200 feet is a loooong way down) and I consoled myself that at least it hadn't been the 300mm f2.8.

Whilst I knew I had an "extended contents" cover on my home insurance I was not hopeful as I made the embarrassed call to the claims line they were WONDERFUL, details taken (with not even the hint of a giggle), an acknowledgement letter a few days later asking for recipts or original packaging (Ha Ha now my family cannot complain anymore that I never throw anything away) and soon the preferred supplier was on the phone giving me details of my nearest store & when I could expect replacement.

I have just returned from collecting my replacement items - a total turn around time of 10 days and I could not be happier with the level of support I received throughout the process.

My learning from this has been :
(1) Whatever the premiums cost I will never be without good insurance
(2) No matter how inspiring the next shot, ALWAYS check your kit is secured
(3) Keep any packaging & receipts - useful for future re-sale but ESSENTIAL for insurance claims (but it does annoy the other half)
(4) You never realise how much you use a piece of kit until you lose it - I so badly missed my teleconverter.

Now, where's that Sooty Tern gone ? ? ? ?
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Old Wednesday 13th July 2005, 16:29   #2
postcardcv
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I have to agree with this importance of insurance, especially today when my 300D hit the ground...

Luckily I am insured, though how I'll cope without it while it's being repaired I don't know - just pleased that the lens didn't make contact with the ground and seems to be fine... Having insurance is great advice - not breaking your camera is better.
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Old Sunday 17th July 2005, 23:29   #3
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I'd have thought you'd have mentioned the name of this insurance company - not strictly breaking any advertising rules, but NOT ALL insurance companies would do this.

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Old Monday 18th July 2005, 09:30   #4
Corax67
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Didn't think that was strictly allowed on an open forum, but it was the man from the Pru.

Good as gold and very highly recommended by me after this little escapade
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Old Monday 18th July 2005, 13:26   #5
Leif
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Quote:
Originally Posted by Corvus Corax
Hope this goes a little way to convincing BF members how important good insurance really is.

Booked a well earned day off to visit the Island of Skomer off the West Wales coast to photograph the resident seabird colonies - armed with all of the usual birders toys (Leica APO scope & bins, Canon 20D, 300mm f2.8, 70-200 f2.8, teleconverter et al) in my trusty Lowepro backpack I hopped the boat over & set about my task with glee.

All was going well until I decided to go from long distance shots of Fulmar & Kittiwake on their cliff wall nests to arty close ups of Puffins. Off came the teleconverter which was placed in a spare lens pouch with a spare 1Gb pro CF card & my Canon timer release switch.

You can guess what happened next - in my haste I had not clipped the lens case onto my backpack and while lying on the floor composing my next photographic masterpiece glimpsed the case roll down the slope and off the edge of a 200 foot cliff ! ! ! (splash)

Thankfully common sense overrode my natural instinct to perform a diving catch worthy of an England wicket keeper in a deciding test match (200 feet is a loooong way down) and I consoled myself that at least it hadn't been the 300mm f2.8.

Whilst I knew I had an "extended contents" cover on my home insurance I was not hopeful as I made the embarrassed call to the claims line they were WONDERFUL, details taken (with not even the hint of a giggle), an acknowledgement letter a few days later asking for recipts or original packaging (Ha Ha now my family cannot complain anymore that I never throw anything away) and soon the preferred supplier was on the phone giving me details of my nearest store & when I could expect replacement.

I have just returned from collecting my replacement items - a total turn around time of 10 days and I could not be happier with the level of support I received throughout the process.

My learning from this has been :
(1) Whatever the premiums cost I will never be without good insurance
(2) No matter how inspiring the next shot, ALWAYS check your kit is secured
(3) Keep any packaging & receipts - useful for future re-sale but ESSENTIAL for insurance claims (but it does annoy the other half)
(4) You never realise how much you use a piece of kit until you lose it - I so badly missed my teleconverter.

Now, where's that Sooty Tern gone ? ? ? ?
You make a worthwhile point. Some years ago when I destroyed an expensive camera, I enquired about insurance. Specialist camera insurance was about 500 per year. So in 10 years I would have paid 5000, and claimed 500. It's not worth it. But using household insurance, ahhh now that makes sense. I might well do the same myself.

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Old Wednesday 20th July 2005, 09:38   #6
Dave Adshead
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Household insurance thats the way to go. This past week we had a sneek in burglary at home, my wife was in the back garden using the petrol mower and I was upstairs on the computer. My wifes Panasonic camcorder was in a LowePro bag on the living room floor, we only noticed it missing when we wanted to use it. It appears someone entered via the unlocked front door.
We contacted the police then the insurance company, no problems are now waiting for a replacement. Zurichs the company.

PS. you may have noticed that my wife was using the lawn mower and not me, well thats because for the past 6 weeks I've been on crutches. Honest, I do normally cut the grass.
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Old Wednesday 20th July 2005, 15:00   #7
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Originally Posted by postcardcv
I have to agree with this importance of insurance, especially today when my 300D hit the ground...
Well one week on since my 'incident' and I got a phonecall this morning from my insurance company (Norwich Union) to say that the camera is beyond economical repair. So they are going to replace it, though as the 300D is now out of production I'm getting a 350D in it's place. The only slight problem is that they do not have the 350D in stock, so it's going to take a few extra days as they need to order it in. Overall I've been really impressed with them, from the time the camera was broken to them making a decision was just under a week - hopefully I'll have a camera again within the next week - I can hardly wait.
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Old Friday 27th October 2006, 05:27   #8
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it looks like going through house hold would be the cheapest way, can you give me an idea of how much extra this would cost, with camera-lens-bins-scope they all add up to quite a lot (so my wife tells me)
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Old Friday 27th October 2006, 09:29   #9
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A few years ago we had 900 worth of camera and equipment taken from our locked and alarmed car whilst at the Abernathy Forest car park at Loch Garten. As damage was done to the door of the car we went through our car insurance and thought our car insurances "contents" would cover the camera , but no it was 150 max if I remember right. Luckily we had a travel insurance scheme through work which covered us. So never take it for granted about taking your gear out that your car insurance will cover the amount when you total it all.

We now have all the camera and equipment as a seperate item on our home insurance (which we pay an extra amount for of course) and it covers us in most eventualities. But even with this remember to add all your bits and pieces camera,scope,binos, tripod, lenses, cards as they soon mount up to quite a total.
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Old Tuesday 31st October 2006, 14:58   #10
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"So never take it for granted about taking your gear out that your car insurance will cover the amount when you total it all."

I agree - most car insurance does NOT cover more than about 200 worth of possessions - regardless of whether they are locked in a boot or out of sight. Many household policies are also quite restrictive on cover for 'valuables' and can limit the value of a claim.

Even if you have the appropriate value of cover for your optics the UK insurance companies are also getting quite picky about 'location' of any theft of valuables - if a theft takes place outside of your home area and they suspect that you are on holiday (even for a weekend) they won't pay out under home insurance as they take the view that a claim in these circumstances falls under travel insurance.

If you are in any doubt about what your insurance covers you for then give the company a call and check the details and make amendments or change company if necessary.

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