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Hi there!

Discussion in 'Introductions...' started by sara vivieny, Sep 22, 2020.

  1. sara vivieny

    sara vivieny New Member

    Hello everyone,
    my name is Sara Vivieny, I am a photograph amateur willing to become pro.
    Nice to meet you all, I've seen amazing pictures in the landscapes posts already. looking forward discovering more
  2. sara vivieny

    sara vivieny New Member

    Just also wanted to know if I could get some tips on which insurer to go for for my gear?
    I've came across this website https://hello-safe.co.uk/gadget-insurance/camera
    and I was going to select the photoguard insurance. Has anyone already hear about the company? any bad reviews? or insurance tips? many thanks for your help
  3. PeteRob

    PeteRob Well-Known Member

    Hi Sara, it depends on what other insurance you have. My camera gear is covered by the household insurance under the all risks category. Individual items costing more than a certain limit, I think that is £1500, need to be named in the policy otherwise it is just a “pot”. I didn’t find adding camera equipment made much, if any, change to the overall premium. With all insurances be careful to read the small print and evaluate what you get for the premium. Personally I’d not be encouraged by the title “gadget-insurance”. There are many insurers that specialise in photographic equipment.

    If you are looking to do this as a business, it will be treated differently to doing it as a hobby. For example both will need equipment and liability cover (in case of accident) but for business you’d need to consider if you need indemnity insurance - that covers failure to deliver a service for example or cover for hired equipment etc.
  4. EightBitTony

    EightBitTony Well-Known Member

    Photoguard seems like a good policy, I use them, although I'm not yet convinced the question wasn't just an attempt to share the URL which I've not followed.
  5. dream_police

    dream_police Well-Known Member

    Oh, you cynic, you!

    She just wants to be sure. Probably why she has also asked the exact same question on Nikoncafe.
  6. EightBitTony

    EightBitTony Well-Known Member

    Perfectly happy to be wrong, and apologise if I've maligned anyone.

    I think one advantage with Photoguard is the public liability cover, which I don't get through my house insurance, which is worth keeping in mind if you ever shoot events (even as an amateur and even if not asked to do so by anyone else).
    Mark101 likes this.
  7. sara vivieny

    sara vivieny New Member

    Hello everyone, thank you so much for your answers and advice.
    I once tried to insure as a single item my camera on my home insurance, but there were thousands of conditions to properly get covered and the insurance wasn't covering things like accidental damage (in addition to public liability as Tony said). I wanted dedicated policy for my equipment. I think I'll opt for photoguard.
    was just trying to get good advice as above ;)
    Thanks again
  8. EightBitTony

    EightBitTony Well-Known Member

    Photoguard used to allow you to record serial numbers and details on each device, but they've changed that now so that it's less obvious what each item is, that actually caused me some confusion last time I renewed, and I've never had to claim so clearly can't comment on that aspect.

    Oh, and apologies, we've had a few spam signups recently, and I'm a naturaly suspicious person, but was wrong in this case.
  9. sara vivieny

    sara vivieny New Member

    Hi Tony, good to know, I am actually going to call them to exactly know cover features and claims limit.
    Trustpilot reviews are good. It gives confidence in the way the handle claim process.
    Many thanks for your help

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