Freelance Photographer

Camera Equipment Insurance

A few recent events of equipment being stolen has prompted me to take out insurance on my camera gear – body, lenses, tripod, filters, etc… I don’t think I would want to afford to replace it should it get stolen, lost or swept into the ocean on a seascape shoot.  I rang an insurance company anonymously and requested a quote for Business Insurance.  They quoted me $1518/annum to include cover on equipment and mandatory public liability insurance – which I don’t need as I am already covered under my other business.  He asked me what I thought & I said it was ridiculous, the gear was being covered at 9% of cost.  I then thanked him, hung up and rang back the same company and requested a quote for Portable Contents Cover to piggy back my current home and contents policy.  After going through each item piece by piece with receipts in hand, I ended up with a quote of an additional $14/month, approximating $168/annum, with a $100 excess per claim, I’d even claim on a damaged Lee Big Stopper 10 at this price.  I took out the cover immediately and thanked him for his co-operation.  Little did he know, I just spoke to him 5 minutes ago and received a quote on the exact same gear (which he asked for no specific detail on) at a much higher price.  Don’t wait for your gear to get stolen or lost, insure it now for less than the price of one filter from Lee and don’t stress about it anymore.  I have scanned my receipts to pdf files just in case I lose my originals…

3 responses

  1. good article leanne and as you said very timely … interesting to read about the Portable Contents Cover …. what a nice saving that is …

    November 18, 2010 at 1:56 pm

  2. at my place there is no insurance for a camera gears…

    December 12, 2010 at 7:56 pm

  3. Pingback: 2010 in review « Leanne Doroszuk

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