dropped camera

Thriftkitten

Hi we took out a single travel policy with the postoffice for our 5 day trip to Disneyland paris, I accidently dropped my sony cybershot camera which will now not switch on Grrr, does anyone know whether or not I would be able to claim on the postoffice travel insurance for the repair or replacement of this item please.

McKneff

Was personal possessions part of the policy.
Often when taking out travel insurance the ins. company will ask if you want cover for this sort of event.
They ask this because often you have this already covered in you house contents insurance so there is no point in paying twice for the same cover. Give them a ring and ask them, if you are not then look to your contents insurance.

Dont know how much your camera cost you but bear in mind the cost of your excess on your policies.

Shimrod

It looks like you should be covered as long as you chose something other than basic cover. The excess McKneff mentions above would be either £50 or £45
http://www.postoffice.co.uk/portal/po/content2?catId=89500762&mediaId=126000870

I've claimed for a dropped camera on holiday some years ago - depending on what the insurance company is like, be prepared for some awkward responses. Mine wanted me to have reported the damage to a police station! It took 6 months but they paid out in the end.

PNPSUKNET

You can buy a new one for not much more, I wouldnt bother

foreverindebted

After I lost my sunglasses I was told if I could prove I'd be away from home for two nights (i.e. receipts) they'd cover it. I had only been away for one night so couldn't claim, but the best thing really is to phone them and ask?

lisyloo

Be careful if claiming on house insurance.
Check the excess, plus costs of loss of NCD plus any claims loading.
You can do fake quotes with reduced NCD and claims to see the effect.
This might affect you for many years.
Generally it woulnd't be worth claiming on home insurance for a cheap camera.

Travel insurance is different but you might still have an excess.

It's certainly worth checking the cost of a new one before claiming.

noapron

Have you tried your contents insurance? Our contents covers accidental damage to cameras and other personal goods outside the home. Also when a while back dh had a Nikon 'bridge' camera which was damaged when he knocked it and Nikon repaired it as a courtesy, which was a surprise because we had already filled in an insurance claim.

Wintermute

Shimrod wrote: »

It looks like you should be covered as long as you chose something other than basic cover. The excess McKneff mentions above would be either £50 or £45
http://www.postoffice.co.uk/portal/po/content2?catId=89500762&mediaId=126000870

It might also be worth checking some camera shops, believe it or not there's still a few places you can get your camera repaired and sometimes they'll do it for less than £50 depending on what the problem is.

lisyloo

Have you tried your contents insurance?

As I said (just above).

Make sure you calculate

Additional costs on premium of making the claim (likely to be multiplied by 3 years)
PLUS
Additional costs for loss of no claims bonus (cover affect for many many years)
PLUS
excess

Very unlikely to be worth claiming unless the camera is worth several hundred at least.