[Leica] camera insurance

[Andre Calciu <a.calciu@anent.com>]

regarding the issue of insurance for camera gear (or pretty much all other
professional gear) i have this very illustrative example from an inurance
adjustor:

you drop your camera in a pond.

options:
1.- fish it out, insurance may or may not pay for repair/replacement
2.- keep on rowing to the next camera store and buy a new camera. insurance
will cover replacement cost.

now, it is all a judgement call for you, the owner if you want to wade through
the pond, ruin your clothes and end up with a lousy camera, or

you choose the path of least resistance and get new gear.

andre



Austin Franklin wrote:

> It's called INSURANCE.... ;-)
>
> [Austin] I've been through this...they only consider damage that can be
> proven to impair the FUNCTION of the insured item to be covered.  Cosmetics
> are not covered.  One of our photographers dropped a Nikon, it had a dent
> the size of Kentucky...but didn't impair its function at all...they said it
> wasn't covered.  The resale value of the camera was severely reduced by
> this damage..but that's was just too bad for us.
>
> Let's see... A Noctilux with no damage to the glass, or a Noctilux with a
> scratch in the front element....would you pay the same for both?  Even
> though, you KNOW it has no effect on the actual image...  Cheap insurance,
> in my book, is a filter...
>
> ------------------