I can understand people using their household insurance for their camera gear and I did for a short period of time naming the items and paying extra premium. My insurance documents came through with everything spelt incorrectly which gave me no confidence whatsoever. I since found Photoguard about three or four years ago and have all my gear insured by them.
If my gear was generally used at home I would not bother but I travel with my gear and is risk of accidental damage, theft and minor damage in the field through accidental drops etc.
Using your household insurance is fine but what would happen in the event of a claim?
Is it better to be safe than sorry?
|