So... I have a few days away booked for the end of this month... on a tiny island, half a mile off the coast of England... and I get there from the mainland by six-man motor-boat
I've taken my photography gear on trips before, but I've finally decided that my investment in equipment needs to be insured while I'm out and about. I added up the total *retail* value (or used prices where the items aren't available new) and got quite a shock - in fact, even at home it isn't covered fully for theft, as it is considered to be a "collection" under my current home insurance, and the limit for that is below the value of my gear. Even the total value of the equipment I'd be likely to carry at any one time has now got to a surprising level once you include cameras, lenses, flash, tripod and head(s), accessories etc. Anyway, I've got some insurance quotes that cover me for theft (including from a locked car) and accidental damage by me or a third-party carrier (eg. airline), in my own country plus up to 60 days abroad. I'm looking at
annual premiums of around 2% of total value, and 3.5% of the maximum value carried at any one time. That seems reasonable to me, although the monthly premium is still something I'd rather not have to pay out!
However, a few years ago I took a brand-new Sony DSC-RX100 on holiday with me - to another island - and dropped it on the stone floor of the accommodation I was renting, killing it instantly!
So, from now on I intend to be covered. Anyway, I wondered how many of you (amateur) photographers have insurance, and whether you pay more or less for your cover (and why)...