Top tips to insure your kit

With winter behind us and spring and summer most definitely on the way, now is a good time to start thinking about what you need to do to ensure you’re ready to take on those new jobs as they come streaming in!

Managing your risk and making sure your insurance is up to date is step one!

Whether you’re on location or in the studio, our team are keen to help you protect your equipment and, if a mishap does occur  we’ll be here to help you resolve your claim quickly and easily.

Here are our top tips when thinking about insuring your kit:

  • Insure your kit on a new for old basis. This means in the event of a claim where you need a replacement, you would get a brand new item. If your item is no longer produced as new, insure it for the cost of the nearest equivalent which is still available on the market.
  • Include studio equipment, such as lighting, flashes, soft boxes, props – they can all be insured under the policy.
  • For items over £6,500, you’ll need to specify details of the item which should include the item name, a description and the serial numbers
  • For individual items less than £6,500, you need to specify the total replacement cost of your whole kit. Anything that is not outlined on your policy will not be covered.
  • Keep the receipts of the equipment you purchase. Insurers reserve the right to ask for proof of ownership in the event of a claim. In an ideal world, this would be the original purchase receipt, but if you don’t have this we have a solution. Take a photo of the item on a dated newspaper and send this image to us. We can hold this on record to be used as proof of ownership in the event of a claim.
  • Create an inventory of your kit. We know it’s time-consuming noting down all the details of all your equipment, but once you start, it gets easier…and, it is an enormous help if you need to make a claim.
  • Let us know about any new kit you have acquired. Make sure you update your inventory and let us know. Anything that is not outlined on your policy, will not be included. To avoid frustration and disappointment, be sure you make us aware of any new equipment so your policy can be updated.

It’s always better to be safe than sorry, so if you have any questions just give the Aaduki team a call.

Paul Newberry Cert CII

Lead Client Adviser