Insurance Replacement... (dropped my DSLR)

Discussion in 'UK Photography' started by loopy livernose, Oct 5, 2009.

  1. Hi All..

    out and about last week I was taking some pictures at my local wildlife
    park, (and with the sun out was getting some good (imho) shots..) anyway,
    to cut a long story short, I loaded the camera onto my tripod to make a
    shot, and sadly failed to locate it properly.. result is camera fell over 5
    feet to the concrete floor below.. and (strangely.. lol) no longer

    So, I am making an insurance claim (have had all risks cover for years and
    never made any claims before).

    My question is.. having been out and had a look/feel of the current crop of
    camera's, Many of the new bodies are noticeably smaller.. (my camera was a
    canon 300D) (plus battery grip too)

    having had a handling session, I really want my replacement to be what I
    call "normal" size, which means something like a canon 50D, which is a huge
    upgrade.. (well I know the policy says new for old).. but will I be taking
    the Michael, if I ask that the Insurance company replace on the size issue?

    I have never made an insurance claim before, but I don't want to be seen as
    taking the Michael, but the size IS an important factor in the feel of a
    camera to me.

    So my question is, am I going to appear cheeky (I kind of feel it when the
    upgrade is so large) asking them to replace with a similar size of body?

    Many thanks for reading!

    loopy livernose, Oct 5, 2009
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  2. loopy livernose

    Glen Guest

    Let us know if you get away with it!
    Glen, Oct 5, 2009
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  3. loopy livernose

    Andy Hewitt Guest

    I claimed for my E500 last year when I got soaked by a wave at the
    seafront. I was only offered a direct replacement, which in my case was
    the E510. They looked up the model I had, and knew what were the direct
    replacement models. Oh, and they collected the old one for inspection
    first too.

    Another thing to bear in mind is the excess, and the fact they will bump
    the premium up at next renewal. Mine added up enough to have negated
    most of the benefit. Mind you, searching for a new insurer at renewal
    got the price down again - but also remember they will take the claim
    into account.
    Andy Hewitt, Oct 5, 2009
  4. loopy livernose

    boris Guest

    Just the two questions :

    a) You need to use a tipod in bright sunshine when using a kit lens ?

    b) Have you already sent the camera to a repair workshop to obtain the necessary
    technicians report confirming that the camera is beyond pair ?

    boris, Oct 5, 2009
  5. Don't be silly, you do that _after_ the insurance claim comes through
    and before selling it on eBay.
    Willy Eckerslyke, Oct 6, 2009
  6. loopy livernose

    Huge Guest

    With both the recent insurance claims I have made, the insurers wanted the
    damaged items returned to them, not that either item was saleable.
    Huge, Oct 6, 2009
  7. It's not always the case. A friend left his Nikon on the roof of his
    car, then managed to reverse over it after it had hit the ground. His
    insurers left him with the bits which he managed to sell. Not that I
    condone such actions and certainly wouldn't buy anything from him
    myself, of course.
    Willy Eckerslyke, Oct 6, 2009
  8. loopy livernose

    Huge Guest

    That surprises me. But then, I've only made 3 claims in the last 20
    years. Although I'm thinking about making another, since I dropped something
    on my D50 and cracked the upper case. It works just fine, so I don't know
    whether the insurers will entertain a claim, but it makes the damn thing
    much less saleable when I come to upgrade.
    Huge, Oct 6, 2009
  9. A./ I was using a 28-300 zoom lense which is also broken (and part of the
    claim) and at the time under tree canopy.

    B./ I was told by my broker, that they will either ask for the camera (easy,
    its here waiting), or ask me to take it into an approved place to get it
    declared dead (as case of both lens and Camera is cracked, and internal
    damage is done too (as camera mirror doesn't move). I am assuming this is
    not an issue.. (I didn't even consider if there were a market for a broken
    camera..).. My broker has already seen the damage.

    I have read some replies who seem skeptical, why? I am still awaiting to
    hear from the Insurance company. but after a call to the brokers, the
    paperwork didn't get sent out till Monday the 5th, (yesterday), so it looks
    like I might be waiting a while for my replacement..

    I would prefer to have a cheque so I can add some money to maybe go up a
    notch and maybe change brands.. I have only had a feel of the other camera's
    because, when (if) I do get offered a replacement, etc. so thank you to the
    kind person who said I can insist on that..

    Many thanks for all responses (even the skeptics)..

    loopy livernose, Oct 6, 2009
  10. loopy livernose

    Huge Guest

    It's built into the house contents cover. Insurance is for catastrophies,
    and there's no way I'm covering £50K worth of contents myself. Being
    able to claim for accidental damage on stuff is just a fortuitous side
    Huge, Oct 7, 2009
  11. loopy livernose

    Huge Guest

    [Could you learn to quote properly?]
    Which bit of "it's built into the house contents cover" was it you failed
    to understand? The cameras are not specifically insured, they are covered
    under a contents "catch-all" clause.
    Huge, Oct 9, 2009
  12. loopy livernose

    Huge Guest

    I can certainly see why you wouldn't want to advertise your stupidity.
    Huge, Oct 10, 2009
  13. I am definitely an amateur.. and I do pay a little extra (on my contents
    insewerance) for my all risks cover, and because of the value the Camera
    (when purchased) it is a "named" item.. but along with the camera, theres
    a couple of lenses, memory cards, filters, tripod and other stands.. then
    theres a couple of laptops etc etc.. and for me, I have no way of ever
    affording to replace them all.. Hence the all risks cover..

    I get upto £4000 of cover for £20 a year.. I don't think thats too bad.. To
    feel safe to use the equipment as its designed rather than fear taking it
    out of the house... the pure peace of mind..

    as another poster said, you can only self insure if you can afford to
    replace all your belongings without it.. I cannot.. end of.
    loopy livernose, Oct 10, 2009
  14. well, after a month of deliberating they have agreed to replace my 300d with
    a 450D, still doesn't take CF cards or have separate data screen and is so
    much smaller.. sadly the ins co hold all the power, I said I'd rather have
    a cheque and was told I'd have to wait over a month for that to be sorted
    out, so have had to accept vouchers or risk not having a camera for Xmas..

    am seriouosly out of pocket as now have to replace over 30gb of CF cards
    with SDhc's...

    am considerign making a voluntary contribution to upgrade from the 450d to
    the 500D the 500 being newest, and using a new processor..

    is it worth it? (i know I am asking opinions here, so please explain why
    you feel it is/isn't?)

    Many thanks as always for all help offered!

    loopy livernose, Nov 3, 2009
  15. loopy livernose

    Paul Giverin Guest

    I think the image quality is the same for the two cameras. The biggest
    difference is the video capability of the 500D. I think the 500D has a
    better LCD. If it were me, I'd either stick with the 450D or skip a
    model and pay to upgrade to the 50D.
    Paul Giverin, Nov 3, 2009
  16. loopy livernose

    Bruce Guest

    You can buy them cheaply here:
    Bruce, Nov 3, 2009
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