Have You Considered Insurance For Cameras?
Saturday, August 28th, 2010What is insurance protection for cameras and why may it be important?
If you have looked around and noticed different types of cover you may be confused.
What does it do for you?
insurance for cameras offers you financial and possibly logistical assistance in the event you suffer a major problem with your camera.
The exact detail of the cover provided varies between insurers and even individual policies and do note that your gadget insurance (which can be another name for camera insurance) will be subject to policy limitations, exclusions, terms and conditions.
Typically insurance cover will provide cover for events such as;
· damaging your camera accidentally;
· theft;
· the breakdown of your camera once the warranty has run out – whether the cause is electrical or mechanical.
Some cover may go further and offer:
· optional loss cover, for an additional premium;
· a fast replacement of your camera, usually as quick as 48 hours (from the point your claim is authorised);
· global cover – in other words the many benefits apply even if you’re outside of the UK while travelling etc.
What does it not cover?
This of course depends on your policy and the provider.
It may be the case that:
· loss of the phone is not protected, however you may be able to add this on for extra cost;
· the policy will carry an excess (that is a sum you will be expected to pay as the first part of any claim – it is effectively a mandatory contribution to the total claim cost);
· you may have to report the theft of the phone as soon as it happens to obtain a crime number;
· additional lenses require separate declaration and insurance.
you may not be able to claim if there is any signs that you have been tampering with the camera.
Is it really worthwhile?
The cost of camera insurance protection is typically low when compared to the cost of replacing your camera.
In the end, this boils down to a question of risk assessment or, to put it another way, how lucky you feel.
You may generally never experience theft or any of the other covered risks outlined above. The key question is though – if you do, are you happy at the thought of writing some big cheques?
If you don’t like the sound of that, then insurance cover for cameras may be for you!
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