Insurance who do you use?

[dullbird]

Hi Guys

I'm hopefully after a number of years next week hoping to buy my, for ever wanted Nikon 24/70mm 2.8g Lense:)

which got me thinking AGAIN about insurance.

WHY? because when I looked in my camera box (even though I don't have a massive amount of equipment) I added up what it cost to buy it all and with the lense I'm about to buy is roughly about 7 grand:o

Thats bodies, lenses, flash units remotes and all kinds of other bits and bobs such as filters etc. I'm sure if a lot of you went through your gear you would be shocked at how much money worth of gear you have accumulated over a period of time.

SO then I got thinking to myself how would I go about replacing this stuff if someone stole my box...simply I couldn't because this stuff has been collect over a period of about 6 years.

So realistically I really need to find some insurance. I was reading an article today in my photography magazine that talked about being very weary of putting your camera under house and contents..because of the considerations that if you use your camera for any type of business work your claim could be rejected as could it be if you take it out in to a place where its rugged and more susceptible to damage...i.e they said tell your insurer exactly what you plan to do with your camera if insuring under home and contents.

they basically said you would be better getting a specific policy for your gear.

Do any of you have insurance? I may of asked this sometime ago but it doesnt hurt to ask this question freash again espeically with new photographers to this section.

If so


who do you in sure with?
have you ever had a claim and how were they with it.
what are you insured for and whats the monthly payment like on the policy

I don't even know where to start looking really so some info from people that may already be in the position of insuring would be helpful

[Goenin]

Shannon's.

[dullbird]

Ok care to elaborate...?

do you use Shanons home and contents or something, because that's all they appear to do that and car insurance

[Goenin]

Have had three claims. I had a 73 civic. Only five speed regoed in Australia.
They insured it for $5000. Had a spin out on the freeway they spent $4800 on the car.
Next one was same car smaller ding. Because drive line was dinged they wrote it off.
$5000 cheque and they gave me the car back as I had salvage rights.
Sold the car to SA Whalla the vet there owns it. All done up. Looks great. I sold it for $2500.
I currently have 4 cars through them. You also get one piece of glass per car per 12 months.
Premium is on average to others.
The other was when I drowned me hilux. I i temized all to be replaced and repaired. It was all to har for then so they generously cashed me out.
My rating hasn't changed nor did our premiums.
They have worked for me.

[Goenin]

Do not forget to bargain.

[dullbird]

Hahahah I'm just wondering did you actually read the first post?

this insurance question is in relation to photography equipment not cars...:D

[Reads90]

I got my wife's Nikon d700 and lenses and gear all insured on the house insurance. As a name item with a named amount.

Our house is with RACQ.

This means it is all insured any where in Australia for theft or accidental damage.

[Mick_Marsh]

I think Shannons do do house and contents insurance. Worth asking if you have car insurance with them. Shannons give me a discount on multiple policies.

[WhiteD3]

Having lost ~$6k of gear in a break in and only getting $2k from the house insurance; I'm a bit more diligent about these matters.

RACQ do cover photography gear in their home contents policy but it is for "cameras", not "camera" to a total (for all photography gear) of $2k (said without checking the exact number). These days I have all the gear nominated and pay a small premium for this, from memory <$100.

[Damo89]

Yeah I'd say add it onto your home and contents insurance but declare it...

[scarry]

We just changed ours to Elders.

If you have accidental damage selected,anything removed from site is covered anywhere in NZ and Aus. Also anywhere else in the world as long as you are not away for more than 100 days.

They will only pay up to 5K for any one item,20k total, unless it is listed under Valuables in the policy.

We were with Suncorp for years,but Elders price was a lot better.
The other reason we changed was Suncorp would not insure some aboriginal art SWMBO has collected over the years,they were not at all interested in covering it.We had valuations,pictures of the artists,etc,etc.
Elders insured it no problems,as long as we had working dead bolts on all outside accessible windows and doors,which we had anyway.

[Chucaro]

I have my gear insured with API as special items on my contents cover.
The equipment it is itemized so I can claim for the expensive tripod or any other expensive accessories
The equipment is fully insured and in case of lost or total damage it is replaced by a new one.
I am very happy with them, they replace my D200 when I lost it over a cliff.
I recommend them.

[dullbird]

Arthur what sort if dollars do you pay for how much coverage of gear?

Pm me if you don't wish to divulge in public

[Chucaro]

Arthur what sort if dollars do you pay for how much coverage of gear?

Pm me if you don't wish to divulge in public

PM sent :)

[iClick]

I use AIS (http://www.aisinsurance.com.au/specialist-classes/photographic-equipment-insurance/)

You could also try www.photoinsurance.com.au/ (http://www.photoinsurance.com.au/)
You can get an instant quote on the home page.

[thomson71]

shannons for my cars has always been good. no issues at all.
With my house's I have been with Vero and they have never let me down, even when my house in Kalgoorlie was extremely badly damaged in the earthquake a few years ago.

[Goenin]

Ha ha no I couldn't read your first post. Tapatalk. Seems to not completely load some times. Read your header and yep we'll replied.
Shannon's covers anything in your car even if it wasn't listed. The day I drowned me hilux my 2.8 canon 200 mm was the first thing out of the car.