I Want To Insure My Gear...where To?

[redangel]

I want to insure my gear when it isnt in the home as well, such as in the car on on me personally. Any ideas where I should start looking for coverage?

[wagsalot]

I used to have my camera and lenses covered by my home and contents insurance - it covered me for if it got stolen when out of the house too.

[redangel]

I was under the assumption that under contents claim was up to 1000k if not in a seperate policy. I have been looking into camera hobby insurance +/- liability insurance

[wagsalot]

It could of changed. I know mine was for over 1k, as one of my lenses was worth 900 by itself at the time.

[anniek]

Mine are all insured as part of home and contents - each item (body / lens) is insured along with its serial number, for at home and elsewhere. I think it cost an extra $60 ish pa.

Annie

Edited June 7, 2011 by anniek

[Tilly]

I believe you can list each item against your household insurance policy ... they will probably charge extra but it is probably the best place to start.

[Linda K]

Mine are listed with public liability and gear cover with AON, as photographers insurance, I can't have them under the home insurance as I use them for business, and they would be worth well more than the tiny amount I would be allowed under that anyway even if I was not in the business

[Burkes]

Mmm, mine was covered under my home and contents insurance while in the home.......or so I thought.

Apparently you are only covered if someone else's dog eats your camera, not your own

[Tilly]

Mmm, mine was covered under my home and contents insurance while in the home.......or so I thought.

Apparently you are only covered if someone else's dog eats your camera, not your own

Didn't you tell them the dog wasn't yours ... because you have disowned it ... ;)

[rubiton]

Mine are listed with public liability and gear cover with AON, as photographers insurance, I can't have them under the home insurance as I use them for business, and they would be worth well more than the tiny amount I would be allowed under that anyway even if I was not in the business

Wrell said Linda - same here. Anyone using equipment for generating income should get the gear insured outside the normal home and contents as the insurance companys can use that as a reason to to pay apparently (but then I guess when I was told that I had already had the business going with the business name for some time)

[roxy's mum]

Mine is under my home and contents insurance as an added extra. I had to list all the equiptment individually with serial numbers and replacement prices. This did add $$ to the previous policy, but I think this is so important for such expensive gear. This covers me inside and outside the home (aus wide) and even for accidental breakage etc.

[Burkes]

Mmm, mine was covered under my home and contents insurance while in the home.......or so I thought.

Apparently you are only covered if someone else's dog eats your camera, not your own

Didn't you tell them the dog wasn't yours ... because you have disowned it ... ;)

Hahaha, funnily enough I did disown her. She was a foster dog

[shelby-001]

If they are for personal use only you can put the on home and contents.

I have Suncorp Platinum insurance and unless the individual item (so lens or body of flash) is worth $4999.00 or less, I do not have to list it separately, just have to have the proof of ownership if it is 'lost' or obviously the damaged item if that is what happened.