/ Do you do professional outdoor sports photography?

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CH - on 30 May 2012
I know a few folk here do professional climbing / mountain biking 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.

Cheers,

Colin
Nadir khan - on 30 May 2012
In reply to CH: I have all my kit and public liability with Photoguard , not cheap but not worth the risk . Also try insuring your kit as items on your home insurance policy , i did that for many years with no problems and made a claim after a sandstorm in the sahara turned my nikkor 70-200 into a pepper grinder . hope that helps
CH - on 31 May 2012
Hi Nadir, many thanks, appreciate the response.

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.
Andy Nelson - on 01 Jun 2012
In reply to CH: Photogaurd have two levels of policy on for pro-am the other for full time pros. The pro-am will cover you adequately until "more than 50% of income is derived through photography" Check their site and read the policy details and in particular the definitions section, which is where this point come from.

I'm with them, simple online quote and cover, though never had to make a claim so cannot speak of service for that.
Andy Nelson - on 01 Jun 2012
In reply to CH: Just re-read your post. What cover do you need that these specialist professional insurance companies don't supply?

If it is something really specialised, call them, else it's Lloyds of London!
Richard Carter - on 01 Jun 2012
In reply to CH:

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.
CH - on 01 Jun 2012
In reply to Andy Nelson:

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.

Cheers,

Colin
CH - on 01 Jun 2012
In reply to Richard Carter:

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.

Richard Carter - on 02 Jun 2012
In reply to CH:

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.
CH - on 03 Jun 2012
In reply to Richard Carter:

Richard, cheers.
Snax - on 06 Jun 2012
In reply to CH: I'm insured with G&H and they have in writing a list of sports/activities which include, but not limited to; surfing, cycling, football, mountain biking, snowboarding, climbing and winter mountaineering... Approx 20k worth of kit cover and 5M PL. I've been with them for about 5 years now, so maybe why they still cover me for this? I was originally with Aaduki, but their "in car" cover seemed a bit dodgy...
CH - on 07 Jun 2012
In reply to Snax:

Hi, cheers. That sounds ideal. Not sure what I said to put them off!
CH - on 07 Jun 2012
In reply to CH:

All sorted through Photoguard. Phew.

Cheers for the input,

Colin

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