What Photographic Insurance? - and my story about Photoguard

[backofbeyond]

I know the majority of the posts on this topic go back a bit but after a "difficult" experience with camera insurance back in the mid 80's I've self insured ever since. This was a deliberate considered decision based on the value of the equipment I owned, the insurance premiums and the level of risk I perceived. Oh, and just to make things clear this was separate from other professional insurance - public liability for example.

I've had problems with all sorts of photographic equipment since then but as most of it has not been the kind of thing I'd have been able to claim for I've ended up "in profit" thirty years on. The worst that's happened is my Land Rover was broken into and a bag with a couple of studio lights stolen. Replacing those and fixing the car cost around three years worth of premiums.

Now that I've hit retirement age and my status has changed from pro snapper to amateur dabbler most of my stuff comes under my home / contents cover. I haven't looked closely enough at the small print to see if it covers stuff away from home (probably not) but I suspect I'll continue to self insure if it doesn't.