Insurance

[Alex]

I was thinking about insuring my equipment (d70 and a couple of lenses) against accidents and theft. They are covered by home contents insurance but I was thinking more against dropping it on a concrete floor or have it stolen or damaged. I am by no means a professional or semiprofessional and was wondering what other amatures or semi-pros do in that regard. Is it worth it?

Thanks
Alex

[christiand]

Hi Alex,

I have insured all my camera gear against theft, loss and damage.
I strongly believe that it is worthwhile.
See, if you drop the camera on a concrete floor, rest your backpack full of gear on the waters edge and it goes for a swim, whatever you can think of: it is insured and you DO NOT have to buy new gear.
What would you prefer: no insurance and replace at your own cost ?
I also have extended warranty; I don't want to pay for repairs after one year has gone by.

HTH
Cheers
CD

[ozczecho]

christiand, whats the damage (cost) if you dont mind me asking? And who do you go through?

Cheers

Mike

[Alex]

Thanks, Christian,

Yes, could you advise of the insurer you go with?

Thanks
Alex

[christiand]

Hi ozczecho,

The insurance is through AAMI whom I have home contents insurance with.
Cost: it depends on the sum insured, I would have to go through paperwork to be accurate.
However I believe it is some 300 - 400 $ for the insured value of $10.000
Please be safe and check with your insurer. AAMI also cover the first 30 or 31 day overseas.

HTH
Cheers
CD

[ozczecho]

Cheers christiand....I know my stuff is covered under home and contents but aint gonna save me against accidental breakage.....I'll see what my insurer offers.

[Alex]

Thanks, Christian. It doesn't sound too bad (the premium), but I wonder how much excess would be payable, if any. I'll give CGU (my contents insurer) a call tomorrow.

Alex