HORRIBLY BROKEN Canon 16-35 f/2.8 II lens
Re: HORRIBLY BROKEN Canon 16-35 f/2.8 II lens
2
new user 42 wrote:
Dareshooter wrote:
new user 42 wrote:
Dareshooter wrote:
Luke Allwein wrote:
Dareshooter wrote:
Can you make a claim for accidental damage from your insurance company ? Assuming you have insurance and it was an accident.
Thinkng about getting insurance now though. Any recommendations?
I just add my camera stuff to my household insurance rather than a specialist company so unable to make a specific recommendation.
I would warn you away from using your homeowner's policy to cover camera gear. You only want to file a claim for a loss when it is a catastrophic loss. You start filing a claim for a $1000 lens, and a $400 broken window, etc. Pretty soon your insurance company will either raise your rates really high, or put you in the assigned risk category, and kick you out. And then good-luck finding another reasonable policy.
And while you are at it, since it is silly to file such a small claim, you might as well raise your deductible to $2000 or even more. You'll save money on the premiums, but still have insurance for a big loss.
I'm in the UK and it doesn't work quite like that over here . Worst that would happen is that I'd lose my no claims bonus and my premiums would go up. The deductible is called a policy excess over here and increasing it does help keep the premiums down but the saving aren't huge so I keep it at a level where it's cost effective for me. You're fortunate that you can afford to take a hit of two grand,we are not all in that position.
Two Grand? We all have our pain-point and must make that decision for ourselves. Two grand would royally suck. I might have to cancel a Holiday trip, tighten my belt, etc. But it would not put me out on the street, homeless.
Fortunate? Fortune has nothing to do with it. Being careful with money, practicing delayed gratification, driving a 17 year old car all helps to have over $2000 in savings.
I beg to differ,anyone who can afford to write off two grand is in a fortunate position.I can afford it and consider myself fortunate because I've lived through very hard times and have never forgotten what it's like to have nothing. Now approaching seventy I travel the world have a two year old car and while by no means rich am comfortably off.So do my a favour pal spare me the lecture.
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