Camcorder Insurance

Camcorder insurance is very much like your standard camera insurance since a camcorder is a type of camera. Typically when you insure your camcorder, you pay either a monthly or annual fee as with most insurance policies.

With camcorder insurance you are protecting your equipment in a variety of ways. For example, accidental loss pertains to you accidentally leaving your camcorder behind someplace and you no longer have possession of your camcorder. Naturally, you are expected to partake in reasonable precautions to ensure your camera equipment is safe. Camcorder insurance will also cover accidental damage if its within your policy. This means that repair costs will be covered by your camcorder insurance policy.

You can also expect to be covered for theft, especially if it’s outside of your control such as if your home was burgled or any other form of theft that occurs despite you taken reasonable measures to responsibly protect your equipment. However, if your camcorder is not sufficiently kept out of sight, such as sitting on the car seat of a convertible and left unattended, you may not be able to make a successful claim.

Camcorder insurance can come in very handy if, for example, your manufacturer’s guarantee has expired. However, keep in mind, if the serial number has been tampered with, this may not only void any manufacturer’s guarantee but also may not be covered by camcorder insurance. Additionally, any intentioanal harm or damage to your equipment can nullify any protection so using common sense is really your best line of defense if you want to claim on your policy.

Once again, this article only serves as a guide and is does not represent any particular camcorder insurance policy. You will want to read the policy of each provider and be sure understand what is and is not covered. Some insurers may provide you with a new-for-old replacement whilst others may only provide you with a camera that is comparable in value to your camera at the time of theft or damage.

If you think about camcorder insurance for what it is intended for, ie accidental damage or theft, rather than an excuse to handle your equipment irresponsibly, then in theory you shouldn’t need to make a claim unless something unexpected happens. It really is similar to any other type of insurance, it’s there when you need it.

By insuring your camcorder with camcorder insurance, rather than home contents insurance, you will most likley be able to replace the equipment more so than if the camcorder was a part of a list of items in your home. Your camcorder insurance may only cover equipment bought in the UK and your insurer may require you to provide reciepts and proof of purchase in order to proceed with a claim.

Overall, if you are unsure about any aspect of your policy, simply give your insurer, or prospective insurers, a call and ask as many questions as you can so you feel confident you know what level of cover you’ll receive before you take out any policy.