/ Do you do professional outdoor sports photography?
Mind if I ask if you have camera insurance and, if so, who with?
I've been knocked back by two camera insurance companies plus a public liability insurance company for wanting cover for participatory hillwalking, scrambling and climbing photography plus outdoor event photography.
Do you just take the risk? Or if not, anyone you'd recommend? I've tried both Aaduki and Glover & Howe.
I was with Photoguard up until this year but now I am getting paid for pics (even though it is still part-time), I'm told I need to take out a 'professional' policy. Hence I was shopping around to get the best deal.
Unfortunately my home insurance doesn't cover any professional use. And Photoguard and their peers won't cover me for the professional use I need.
I seem to be between a rock and a hard place.
I'm with them, simple online quote and cover, though never had to make a claim so cannot speak of service for that.
If it is something really specialised, call them, else it's Lloyds of London!
I was insured with Natwest Business Insurance and that included cover for all my equipment. Was far cheaper than the dedicated photography companies I investigated and I had no problems when stuff broke and had to be claimed for.
Hi Andy, glad you got in touch, thanks.
There's nothing special about the cover I need. But both Aaduki and G&H ask during the quote process 'what type of photography do you do' (hillwalking, scrambling, climbing, mountain biking) and do you any 'dangerous' activities (winter hillwalking, glacial trekking). And they've deemed my answers to be enough of a risk to warrant an automatic decline from their underwriters.
I've also tried a PL company, just to get public liability for MB event photography. Same result.
I'll try Photoguard.
Hi Richard, cheers. It seems to be what I am doing when I am photographing that is the issue.
I find it strange because I know professionals in this genre have got cover (one of them I know is a polar explorer who said he has cover from a company that knocked me back!).
It's possible companies are being reticent with their cover due to current financial climate.
They just asked what generally I was doing and I told them outdoor event photography (started doing festivals and stuff). Had various pieces of equipment damaged by rain, dropping in water, football impacts, etc and they sorted it no problem.
Hi, cheers. That sounds ideal. Not sure what I said to put them off!
All sorted through Photoguard. Phew.
Cheers for the input,
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