Insurances

[David L]

About this time last year, there was some discussion about insurances and a few products were mentioned.. I was wondering if, one year on, there was any feedback to report..

My own feedback is a little mixed.. I used one of the specialist products last year (this is a public forum, so better be careful with identification).. Cover was tailored to suit my circumstances of travel and I got £5M third party liability.. Initial set up was easy, over the web, and they seemed friendly enough when talking with the office to discuss the fine print.. Premium in April 2005 was about £580 p/a.. Pricy I thought, but there you go.. Can't give any feedback on how claims were handled as I didn't have any.. The blot in the copybook came the other day when the renewal of £930 p/a landed on the doorstep.. "oh, there have been a lot of claims sir and we don't have a no claims discount/bonus system on the policy..".. They have agreed to look at this again, but I don't hold out much hope....

The premiums tend to suggest that something like 1 out of every 15 photogs insured by them suffer a total loss.. Either that, or they have had to fork out on a few liability claims.. No doubt I shall hear a fuller explaination next week..

Any other experiences..?

Dave