Insurance

13 posts
27 June 2015
bizz
Photographer
bizz
Any togs out there can give me advice on the best deals in photographer public liability and equipment insurance, and idea of costs. Many thanks.

Posted 27 June 2015
thelook
Photographer
thelook
I use Cliik:
http://cliik.co.uk/

Give them a ring and ask for Steve.
They were by far the least expensive for my cover plus other people I know who use them have been paid out with little hassle and very quickly.

Posted 27 June 2015
Catuaba
Photographer
Catuaba
Definitely Policybee.

Posted 27 June 2015
Catuaba
Photographer
Catuaba
I pay about £21 a month to cover 5k of gear. 50k indemnity and 1mil liability. Plus employers liability. Which you need even if you work with a volunteer.

Covers hiring models etc etc.

Doesn't cover quadcopters or underwater.

Posted 27 June 2015
LaurenceJPower
Photographer
LaurenceJPow..
I moved mine to Zurich throught Morgan Richardson this year, they came in cheaper with £5M public liability and £10M E'ers liability

Posted 27 June 2015
Edited by LaurenceJPower 27 June 2015
bizz
Photographer
bizz
Many thanks everyone.
James

Posted 28 June 2015
bailey_p
Photographer
bailey_p
I'm with Morgan Richardson for the second year, they had the cover I was looking for and the price was less then most others as well as beating my renewal price.


Posted 1 July 2015
paule
Photographer
paule
I was with MR.. very poor service, when I needed it.. no point of contact when I made the claim, they didn't want to know just forwarded me to the assessor..

The assessor was useless: "hello I'm Mr X your insurance assessor.. I know nothing about photography so you'll have to arrange for these to be assessed by someone else, before we can progress your claim"

WTF?! an assessor who can't assess.. brilliant.. I'm with Towergate at the moment and their guy said he'd be my single point of contact and that if my previous claim had been made with them... he'd have dealt with everything including authorising the funds for replacement kit..


Posted 1 July 2015
redbaron
Photographer
redbaron
Towergate. So far I have been fortunate enough not to make a claim but I have heard very positive comments from photographers who have.

I would say check the small print very carefully. Some of the 'cheaper' insurers have clauses that make them near useless. I seem to recall one not that long back where to be covered for loss from your car the gear had to be in a locked metal strong box bolted to the floor of the boot!

I dropped Aaduki, another well respected one because their cover for equipment in the car did not cover after 7pm and they tried to drop travle abroad insurance at renewal without mentioning the change.

Posted 1 July 2015
GRPhotography
Photographer
GRPhotograph..
I use Aaudki think I pay 124 quid this year

Posted 6 July 2015
RedChecker
Photographer
RedChecker
GRPhotography

I use Aaudki think I pay 124 quid this year


Bloody hell, I pay ~£500 a year with them (although do list £20,000 of equipment with as much as £10k out at any one time).
Posted 6 July 2015
AegeanSoft
Photographer
AegeanSoft
PolicyBee, £328 pa including cover for accidental damage and theft of £5000 of photographic gear and professional liability and third party cover for both my photographic and website design businesses.

Posted 7 July 2015
phlip
Photographer
phlip
WE use Towergate Camerasure - c. £100pm for £70k new for old, international cover, all risks, indemnity etc

Had to claim for a repair to a video camera lens and they paid £3,500 with no bother at all.

Posted 7 July 2015
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