insurance and cameras

[bblaze]

As some may have read I lost a camera on my recent trip at the Olgas (still hoping someone will send my card back), Any way I thought I was covered by my house hold content insurance as the camera body was under the $1000 threshold. We pay a premium for our insurance with QBE, top of the line so we were led to believe with the accidental loss or damage. Well after trying to lodge a claim we were firstly told it was all ok only then to be told that because we didnt lose it at our insured address it is not covered. So guess who has been to see my broker (has all my other policies but didnt have house or content) to find a new insurance company, We will sign for the new policy tommorow and I will then take great pleasure in cancelling the policy with QBE.
I have also just order my new camera
ATM I have just purchased a Nikon D90 with no lens but with 2 a 8gig cards. I will use my 55 to 200 lens until I can afford a
Nikon AF-S DX Nikkor 16-85mm f3.5-5.6G ED VR Lenses at $815.
So if any one has a 18 to 55 or simular they dont want that would suit the D90 send me a pm
cheers
blaze

[dullbird]

i'm glad you put this up actually becasue me and Ian were talking about getting my camera covered under the house.

Does anyone have a dedicated insurance for there camera gear?
if so who is it with and how much?

Thanks

Lou

[bblaze]

I am changing to CGU and their equivelent policy is $36 a year dearer and cover up to $1250 for the same event, so as camera and lenses are seperate items they fall well within the boundries, cover is australia wide and includes new zealand for periods of upto 90 days which ATM will cover my needs. My mate has extra insurance on his cameras d200 + a heap of very nice lenses and He has them listed seperate on his policy and I think (have to check) that he pays about an extra $50 PA
cheers
blaze

[dullbird]

ok cool....yes I would definitely need to list my lenses separate as one and hopefully soon to be two would both be worth twice what the camera is worth

[MacMan]

We have a GIO Platinum policy for a number of reasons, one of which was "excellent" cover for non specified goods away from home. Amongst other important goodies, I wanted my cameras covered.

I broke a Canon A95 down in Tassie early last year and thought it would be straight forward dealing with them because of the level of cover. It was far from it. In spite of it being a Rolls Royce policy, they tried to jam me royally on the replacement. I suspect it was initially a personnel issue because the claims person I was dealing with in the first place was a real hard head and refused to listen to my concerns regarding replacing an older camera with certain features with a new camera with same features. Naturally, some features constantly improve with technology, but they tried to dumb down the replacement based on the megapixel specs alone, and replace it with something that didn't have the fold out LCD screen and that wouldn't run on AA batteries. These were two of the main reasons I bought the A95 over other cameras.

I realised that the dead end in conversation revolved around this guy's refusal to listen and demanded to speak to someone else. We came to an agreement for me to pay extra and upgrade at the same time, but I paid dearly for it. Next time I would think twice about claiming unless it was an expensive camera.

The policy would certainly cover an expensive DSLR outfit but I have no idea how they would deal with individual lenses and specs.

Incidentally I had an interesting time with my premium going up HUNDREDS this year and had call to bargain down.

[Chucaro]

I have all my gear covered with Australian Pensioners Insurance if it is lost or damaged beyond repairs,. My camera is the D200 so if it is lost I will get the D300s
It is not covered in the house contents, it is a separated cover which cover world wide.
Try AMMI which I think have the same policy.
Cheers

[dullbird]

my house insurance is with NRMA and we have all our fully comp car insurances locked in with that also as we get a better deal.

So changing house insurance to suit my camera gear is not possible.....but perhaps I will give them a call and find out if I can get any extra cover.

[rmp]

My gear is insured with Aon, they have a pro camera policy. I suspect with serious amateurs who own a decent DSLR plus lenses plus plus plus, your kit is worth more than your home policy is going to permit, so if you value it, go for a specialist.

Photographers (http://www.aon.com/australia/products-and-services/by-industry/entertainment/inner-page-photographers.jsp)

To find out how much, determine the current worth of your gear (which not what you paid for it but it's replacement value), put it in an email and send it off. There are various others apart from Aon, but it's not a big market.

[andylandy]

Hi all,

i have my camera ,Canon Eos 50d, and EF 24-105 F4 lens insured with NRMA under the house insurance, but they are classified as specified portables as they are over $1000 each, and being used outside of the house. they are covered Australia wide, not sure about further afield would have to check. NRMA work in price brackets so if you add your camera and you stay in the same price bracket it doesn't go up. when i put mine on it went up to the next bracket and i paid an extra $20.

have'nt had to claim for anything yet but we have our breakdown insurance with them as well and that has been very very good :lol2: and yes we have had to use that!

Andy

[greg-g]

My camera gear is mounting up, and this thread prompted me into looking into insurance. I received a quote from Aon at about $400. I then called RACT and they quoted about $150 for Australia and NewZealand wide Personal Effects cover. The body and lens are listed individually with serial numbers and current replacements costs, and Unspecified Personal Effects will cover all other bits and pieces up to $500 per item, or $1500 total.

[300+]

I am with AAMI and I just have mine listed as specific items covered outside the house. I have any item worth a reasonably amount of money that I would take outside the house listed. I haven't tried to claim yet, but I do know that my specified items cover increases the insurance costs significantly.

Cheers, Steve