Holiday Camera Insurance

Chris Gilbert said:

I'm trying to insure £1200 worth of stuff for NZ and just got
quoted a £500 excess. Hardly worth the effort. Anyone got
any sensible suggestions for an amateur photographer ?

How do the individual components break down in value? You could, say,
get two policies, one for bodies, and one for lenses. If that's not
enough then spread individual lenses and bodies over even more
policies, until they are covered without having to pay an excessive
excess.

Colin

Colin MacDonald said:

spread individual lenses and bodies over even more
policies, until they are covered without having to pay an excessive
excess.

Crumbs. What we have to go to for the love of our art, eh ? :-)

I'll have a look at the policies that I've got. The invidual components
are £700, £250 and £250 which means the only tricky component is
the £700 as the lower values are covered by the single item limit on
the travel insurance. Having all of them stolen out of the vehicle
would be the hardest thing to cover. As you say, it may take several
individual policies.

Thanks Colin

Chris

"Chris Gilbert" <[email hidden]> wrote in message
news:[email hidden]...
I'm trying to insure £1200 worth of stuff for NZ and just got
quoted a £500 excess. Hardly worth the effort. Anyone got
any sensible suggestions for an amateur photographer ?
No, my household wont cover single items of that value on
this trip.

TIA all

Chris

Have you tried the BMC insurance?

Michael Hobby said:

Have you tried the BMC insurance?

Grrr. Kicking myself for not thinking of it before buying a package.
Not a very good member, am I ? :-)

Just really looking for a single equipment policy now.

Thanks anyway Mike

Chris

Michael Hobby said:

Have you tried the BMC insurance?

Grrr. Kicking myself for not thinking of it before buying a package.
Not a very good member, am I ? :-)

Just really looking for a single equipment policy now.

Thanks anyway Mike

Chris

Chris Gilbert <[email hidden]> wrote

Quoted message said:

I'm trying to insure £1200 worth of stuff for NZ and just got
quoted a £500 excess. Hardly worth the effort. Anyone got
any sensible suggestions for an amateur photographer ?
No, my household wont cover single items of that value on
this trip.

I broke my own rules when I bought my Fuji S5500 this year.
I took out an extended guarantee and accident insurance for £35.
--
Gordon Harris

Gordon said:

I broke my own rules when I bought my Fuji S5500 this year.
I took out an extended guarantee and accident insurance for £35.

I did the same thing with my new lens. Worldwide all risks for three
years for £35 actually seemed like a good deal.

Chris

For the record, I had a chat with my household insurer
and it turns out I'm already covered worldwide for a single
item up to £1500. Heaven only knows why I did that.
I've never owned anything this expensive before <shrug>.
Oh well. Not matter, job done and worth remembering in
future.

Chris

Chris Gilbert said:

For the record, I had a chat with my household insurer
and it turns out I'm already covered worldwide for a single
item up to £1500. Heaven only knows why I did that.

Quite possibly default for the policy anyway, presumably often set at a
level to save a lot of wasted time for both parties faffing about
covering lots of named items. So you probably did that by just thinking
that it did everything you wanted and signing on the dotted line, and
not realising it did more as well.

Pete.
--
Peter Clinch Medical Physics IT Officer
Tel 44 1382 660111 ext. 33637 Univ. of Dundee, Ninewells Hospital
Fax 44 1382 640177 Dundee DD1 9SY Scotland UK
net [email hidden] http://www.dundee.ac.uk/~pjclinch/

Peter Clinch said:

Quite possibly default for the policy anyway

Very true. Always read the small print :-)

Chris

Slightly OT but I found a lot of companies wont actually insure you if you
want to walk above 1000m either. I eventually found a multi-trip insurance
with direct-travel.co.uk and they seem to cover most stuff..

Rob

"Chris Gilbert" <[email hidden]> wrote in message
news:[email hidden]...
I'm trying to insure £1200 worth of stuff for NZ and just got
quoted a £500 excess. Hardly worth the effort. Anyone got
any sensible suggestions for an amateur photographer ?
No, my household wont cover single items of that value on
this trip.

TIA all

Chris

Rob Devereux said:

Slightly OT but I found a lot of companies wont actually insure you if you
want to walk above 1000m either. I eventually found a multi-trip insurance
with direct-travel.co.uk and they seem to cover most stuff..

Have just been investigating Annual travel insurance for holidays
including walking ones:

Some dont cover any activity if it is the "sole" purpose of the
holiday. (Citybond rac Norwich Union)

Some dont cover walking above 2000/2500m. (Saga, RAC extrasure)

AA and Churchill are good, they mention cover for "rescue services",
no problems with activities, and provide cover for cancellation
against loss of passport before the holiday !

M&S Boots and Vernon BS cover against missed departure due to traffic
holdups !

There are a limited number of "underwriting " companies ( ie AXA RBS
...) and they tend to have common conditions.

I didnt look at baggage cover - I rely on my household insurance -
usually better .

Robert

Quoted message said:

Rob Devereux said:

Slightly OT but I found a lot of companies wont actually insure you
if you want to walk above 1000m either. I eventually found a
multi-trip insurance with direct-travel.co.uk and they seem to cover
most stuff..

Have just been investigating Annual travel insurance for holidays
including walking ones:

Some dont cover any activity if it is the "sole" purpose of the
holiday. (Citybond rac Norwich Union)

Some dont cover walking above 2000/2500m. (Saga, RAC extrasure)

AA and Churchill are good, they mention cover for "rescue services",
no problems with activities, and provide cover for cancellation
against loss of passport before the holiday !

M&S Boots and Vernon BS cover against missed departure due to traffic
holdups !

There are a limited number of "underwriting " companies ( ie AXA RBS
..) and they tend to have common conditions.

The answer to the above, is go to the usual specialists - the BMC and
Snowcard being two I'd start with.

I'm more familiar with Snowcard (who cover walking as well as skiing, the
"snow" is just where they started). They have quite clear levels of activity
covered, including options to Everest base-camp and any "trekking" peak.

Both have sensible levels of search and rescue cover (any idea how much a
rescue might cost you in some bits of the world ? especially a few
"civilised" places in mainland Europe, let alone the US !). And have what
appears to be sensible medical cover levels.
I know Snowcard's cancellation and travel cover is strong - I've checked
and my policy covers traffic jams or rail delays on the way to Heathrow, as
well as missed connections, etc. (though you are expected to have left a
reasonable amount of time for the journey!).

- Nigel (snowcard customer, though not had to claim yet)

--
Nigel Cliffe,
Webmaster at http://www.2mm.org.uk/

In message <[email hidden]>

Nigel Cliffe said:

Quoted message said:

Rob Devereux said:

Slightly OT but I found a lot of companies wont actually insure you
if you want to walk above 1000m either. I eventually found a
multi-trip insurance with direct-travel.co.uk and they seem to cover
most stuff..

Have just been investigating Annual travel insurance for holidays
including walking ones:

Some dont cover any activity if it is the "sole" purpose of the
holiday. (Citybond rac Norwich Union)

Some dont cover walking above 2000/2500m. (Saga, RAC extrasure)

AA and Churchill are good, they mention cover for "rescue services",
no problems with activities, and provide cover for cancellation
against loss of passport before the holiday !

M&S Boots and Vernon BS cover against missed departure due to traffic
holdups !

There are a limited number of "underwriting " companies ( ie AXA RBS
..) and they tend to have common conditions.

The answer to the above, is go to the usual specialists - the BMC and
Snowcard being two I'd start with.

I'm more familiar with Snowcard (who cover walking as well as skiing,
the "snow" is just where they started). They have quite clear levels
of activity covered, including options to "Everest base-camp and any
trekking" peak.

Both have sensible levels of search and rescue cover (any idea how much a
rescue might cost you in some bits of the world ? especially a few
"civilised" places in mainland Europe, let alone the US !). And have what
appears to be sensible medical cover levels.
I know Snowcard's cancellation and travel cover is strong - I've checked
and my policy covers traffic jams or rail delays on the way to Heathrow, as
well as missed connections, etc. (though you are expected to have left a
reasonable amount of time for the journey!).

- Nigel (snowcard customer, though not had to claim yet)

Yes I'd second the above. To get the BMC insurance you need to be a
member of the BMC either through an affiliated club or as an individual
member.

The alternative is SnowCard/ActivCard

I get my annual cover which includes mountaineering and
ski-mountaineering cover through the BMC. However this doesn't cover
caving activities in europe so some of my friends prefer activecard
(however I think this may have some restrictions on mountaineering). The
only time I have had to claim was when I had to cancel a trip because of
an illness of a close relative, and they were efficient and paid up
with no trouble.

Most of the standard holiday insurance I've looked at wouldn't cover
many of my activities. For example my bank account comes with
annual travel and winter sports insurance but when you look at the small
print of the winter sports it assumes that you are resort skiing and
even if skiing off-piste are obeying the local resort guidance and
warnings. When I'm ski-touring and mountaineering I'm often nowhere near
any resorts and sometimes away from communication for a couple of days
at a time if staying at unmanned huts etc.

Mike
--
o/ \\ // |\ ,_ o Mike Clark
<\__,\\ // __o | \ / /\, "A mountain climbing, cycling, skiing,
"> || _`\<,_ |__\ \> | immunology lecturer, antibody engineer and
` || (_)/ (_) | \corn computer user"

Quoted message said:

Quoted message said:

I'm more familiar with Snowcard (who cover walking as well as skiing,
the "snow" is just where they started). They have quite clear levels
of activity covered, including options to "Everest base-camp and any
trekking" peak.

The Snowcard cover looks very good and the price is reasonable -
unlike BMC- for walking holidays. (Surpised a week of guided walking
in Umbria is classed as Sports level 2 .)

Wish I had known about it before I went for the AA one !

Thanks Robert