?? insurance ??
Posted 25/03/2023 - 17:10 - Helpful Comment
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You shoukd be... but I'd call them to make sure.
My kit is all insured on my contents. Ive even told them how much it's all worth. Just incase...
My kit is all insured on my contents. Ive even told them how much it's all worth. Just incase...
Posted 25/03/2023 - 22:54 - Helpful Comment
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My photo stuff (see below) used to be separately insured under a specific photo policy and cost well over a 100 quid a year then - but not for the last 4-5 years when it's been covered first by my SAGA, and now Nationwide, home contents policy for effectively less than 50 quid a year. So, now, this is a lot cheaper and there's no need to declare the major items separately (but a max of, IIRC, about £5K including any other miscellaneous losses)
In addition, because I have a Nationwide "packaged" current a/c for around £13/month, I've got a big discount on the main house policy, and also mobile phone/tablet insurance and LV Britannia Rescue breakdown and recovery cover! MUCH cheaper overall - definitely the "way to go"!!!
In addition, because I have a Nationwide "packaged" current a/c for around £13/month, I've got a big discount on the main house policy, and also mobile phone/tablet insurance and LV Britannia Rescue breakdown and recovery cover! MUCH cheaper overall - definitely the "way to go"!!!
K-3 II, K-3 and a K-70 from SRS (having now relegated the K-30 /"K-50" to a backup body), & some Sigma and Pentax lenses (and a lot of old 35mm gear!)
Posted 25/03/2023 - 23:50 - Helpful Comment
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Yes, contents insurance should be OK. But as Spad says, it's worth checking.
Check that the amount of cover is sufficient. Since insurance is usually based on the price of a new replacement, it's quite possible to find yourself carrying over £3K replacement price when you're out and about. And check that it's covered for the sort of harm that you're concerned about. For example, your photographic equipment might be covered for accidental damage at home but not if you're using it away from home.
Steve
Check that the amount of cover is sufficient. Since insurance is usually based on the price of a new replacement, it's quite possible to find yourself carrying over £3K replacement price when you're out and about. And check that it's covered for the sort of harm that you're concerned about. For example, your photographic equipment might be covered for accidental damage at home but not if you're using it away from home.
Steve
Posted 26/03/2023 - 10:01 - Helpful Comment
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Something to bear in mind is that some insurance companies consider digital photographic equipment to be on a par with electronic equipment and the like. They consider electronics to be a greater risk and hike their prices accordingly.
Michael
Michael
Posted 26/03/2023 - 10:15 - Helpful Comment
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In addition, because I have a Nationwide "packaged" current a/c for around £13/month, I've got a big discount on the main house policy, and also mobile phone/tablet insurance and LV Britannia Rescue breakdown and recovery cover! MUCH cheaper overall - definitely the "way to go"!!![/quote]
So I can cancel my £13/month BBC TV licence and use that tax/robbery for insurance. Been wanting to stop paying BBC for ages.
So I can cancel my £13/month BBC TV licence and use that tax/robbery for insurance. Been wanting to stop paying BBC for ages.
Posted 26/03/2023 - 10:39
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loadoftripe wrote:
In addition, because I have a Nationwide "packaged" current a/c for around £13/month, I've got a big discount on the main house policy, and also mobile phone/tablet insurance and LV Britannia Rescue breakdown and recovery cover! MUCH cheaper overall - definitely the "way to go"!!!
In addition, because I have a Nationwide "packaged" current a/c for around £13/month, I've got a big discount on the main house policy, and also mobile phone/tablet insurance and LV Britannia Rescue breakdown and recovery cover! MUCH cheaper overall - definitely the "way to go"!!!
So I can cancel my £13/month BBC TV licence and use that tax/robbery for insurance. Been wanting to stop paying BBC for ages. [/quote]
---------------------------------------------------------------------------------------
I don't see any "connection" between the two paras above - totally different issues!
PS: FWIW, I think the BBC licence fee is actually quite good value in terms of the quality of the programming they (mostly!) produce - certainly as afar as the "loadsof tripe" and adverts on many of the commercial channels.
K-3 II, K-3 and a K-70 from SRS (having now relegated the K-30 /"K-50" to a backup body), & some Sigma and Pentax lenses (and a lot of old 35mm gear!)
Posted 28/03/2023 - 15:36
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We use Glover & Howe as we tend to take out quite some valuable stuff, comprehensive policy but we haven't had to claim for several years.... Piece of mind. Stuff worth under £500 can go in household as our policy has an inventory with serial numbers etc.
Worth calling a few companies - Aaduki tend to be very competitive - for the best price.
Worth calling a few companies - Aaduki tend to be very competitive - for the best price.
Z-1p, K-1, P50
F50 1.7. SMC-FAs 24, 35, 50 1.4, 85, 135. HD-FA15-30, DFA24-70, D-FA*70-200. The SMC-FA Limited Trinity.
Metz 45 CL-4, AF500FTZ. AF540FGZ.
Some Mamiya and some Nikon, and a Canon T70.
F50 1.7. SMC-FAs 24, 35, 50 1.4, 85, 135. HD-FA15-30, DFA24-70, D-FA*70-200. The SMC-FA Limited Trinity.
Metz 45 CL-4, AF500FTZ. AF540FGZ.
Some Mamiya and some Nikon, and a Canon T70.
Posted 30/03/2023 - 22:14
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"So I can cancel my £13/month BBC TV licence and use that tax/robbery for insurance. Been wanting to stop paying BBC for ages.."
Actually you can't, as your using a monitor and computer equipment. Which needs to be covered by a TV licence.
Actually you can't, as your using a monitor and computer equipment. Which needs to be covered by a TV licence.
K-1Gripped K-1 ungripped K-5ii K7 Various lenses
Stuart..
Stuart..
Posted 31/03/2023 - 10:50
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Thanks - will cover with household and contents insurance for this year and then have a think.
Grumpy GrandPa, Recently Retired.
Gotta K-3iii now, had a K-S2, K50 and so suffering from a relapse and so buying digital camera kit.
Previous addiction has resulted in using Zeniths, Yashicamat, Chinons, Minoltas, Samsungs, Fujis, Cosina, Kodak, Lumix, Canon, Nikon and Pentax etc etc - have tried most makes in the past 50 years. Love cameras - love taking photos even more
Gotta K-3iii now, had a K-S2, K50 and so suffering from a relapse and so buying digital camera kit.
Previous addiction has resulted in using Zeniths, Yashicamat, Chinons, Minoltas, Samsungs, Fujis, Cosina, Kodak, Lumix, Canon, Nikon and Pentax etc etc - have tried most makes in the past 50 years. Love cameras - love taking photos even more
Posted 31/03/2023 - 12:39
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loadoftripe wrote:
So I can cancel my £13/month BBC TV licence and use that tax/robbery for insurance. Been wanting to stop paying BBC for ages.
So I can cancel my £13/month BBC TV licence and use that tax/robbery for insurance. Been wanting to stop paying BBC for ages.
Haven't had a TV or watched TV for several years and still get regularly hounded by the BBC. A once great British institution degenerated into a vile Marxist organisation.
C.O.L.B.A.S victim
(Compulsive Obsessive Lens Buying Addiction Syndrome)
What you need are lenses, more lenses, bigger lenses, better lenses, faster lenses, vintage lenses and when you have these, your pictures will be perfect!
(Compulsive Obsessive Lens Buying Addiction Syndrome)
What you need are lenses, more lenses, bigger lenses, better lenses, faster lenses, vintage lenses and when you have these, your pictures will be perfect!
Posted 31/03/2023 - 12:42
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stub wrote:
"So I can cancel my £13/month BBC TV licence and use that tax/robbery for insurance. Been wanting to stop paying BBC for ages.."
Actually you can't, as your using a monitor and computer equipment. Which needs to be covered by a TV licence.
"So I can cancel my £13/month BBC TV licence and use that tax/robbery for insurance. Been wanting to stop paying BBC for ages.."
Actually you can't, as your using a monitor and computer equipment. Which needs to be covered by a TV licence.
Yes I can, have a google and check out;
"
https://www.gov.uk › tv-licence
TV Licence - GOV.UK
You do not need a TV Licence to watch: streaming services like Netflix and Disney Plus on-demand TV through services like All 4 and Amazon Prime Video videos on websites like YouTube videos...
"
As long as you don't watch any Live or bbc catchup , and probably >90% of tv is not live' anyway. e.g. All4, My5, Nowtv, youtube with no live streaming of say Sky. etc....
Posted 31/03/2023 - 12:45 - Helpful Comment
Link
stub wrote:
"So I can cancel my £13/month BBC TV licence and use that tax/robbery for insurance. Been wanting to stop paying BBC for ages.."
Actually you can't, as your using a monitor and computer equipment. Which needs to be covered by a TV licence.
"So I can cancel my £13/month BBC TV licence and use that tax/robbery for insurance. Been wanting to stop paying BBC for ages.."
Actually you can't, as your using a monitor and computer equipment. Which needs to be covered by a TV licence.
Nonsense! You don't even need a licence to own a TV. It's only some aspects of how it is used that require a licence.
And apologies to you GrumpyGrandPA for hijacking your thread.
C.O.L.B.A.S victim
(Compulsive Obsessive Lens Buying Addiction Syndrome)
What you need are lenses, more lenses, bigger lenses, better lenses, faster lenses, vintage lenses and when you have these, your pictures will be perfect!
(Compulsive Obsessive Lens Buying Addiction Syndrome)
What you need are lenses, more lenses, bigger lenses, better lenses, faster lenses, vintage lenses and when you have these, your pictures will be perfect!
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274 posts
10 years
Do you cover it with your household contents insurance or buy separate cover elsewhere?
I am mindful that as I get back into photography, I am spending more on kit and (always) tempted to spend even more on new fancy kit!
A few websites/firms will not cover items on their policy purchased privately - only items from a shop/manufacturer/website etc!
Another site lists camera makes BUT does not list PENTAX!!!!!
Thoughts, recomendations, experiences welcomed.
Gotta K-3iii now, had a K-S2, K50 and so suffering from a relapse and so buying digital camera kit.
Previous addiction has resulted in using Zeniths, Yashicamat, Chinons, Minoltas, Samsungs, Fujis, Cosina, Kodak, Lumix, Canon, Nikon and Pentax etc etc - have tried most makes in the past 50 years. Love cameras - love taking photos even more