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    Was robbed, insurance help needed..

    Hi guys, long story short - thanks to Leeds Festivals amazing provisions made for members of the press and their equipment, I returned home Macbook and camera-less and down over £2000 worth of equipment.

    I'd like to insure all my other equipment in case this happens again so I was wondering what kind of insurance I should be looking for, and what you'd all suggest?

    I think I need insurance that covers me for travel (I've left bags on the train before, luckily the bag didn't contain many valuables but I want to be safe for the future), loss and theft.

    Any help would be appreciated. I've googled, but found about a million results and I'm just confused now.

    Thanks

    15 Comments

    Normal house insurance should be ok, mine covers me for items taken out of the home, wallet, watch money etc.
    But mabye you should insure this stuff seperately on your houshold policy.

    Original Poster

    We're definitely getting house insurance - I share with 4 other lads but we're not moving in for a fortnight, so were going to sort it out then. It's a 'student house' too, any insurance policies you'd recommend?

    thanks to Leeds Festivals amazing provisions made for members of the … thanks to Leeds Festivals amazing provisions made for members of the press and their equipment, I returned home Macbook and camera-less and down over £2000 worth of equipment



    Your blaming Leeds festivals for you not keeping YOUR valuables WITH YOU?
    and leaving them where some idiot could steal them?

    Original Poster

    karenhornby;2856739

    and leaving them where some idiot could steal them?



    Excuse me, but you've absolutely NO idea what happened to my stuff and what led up to them being nicked. I'm not going to go into what happened on the day because it's a long and quite depressing story, but your assumption in totally incorrect and you've made yourself look ridiculously ignorant. Go away, you're no help.

    karenhornby;2856739

    Your blaming Leeds festivals for you not keeping YOUR valuables WITH … Your blaming Leeds festivals for you not keeping YOUR valuables WITH YOU?and leaving them where some idiot could steal them?


    very harsh not knowing what happened.

    t0mm;2856861

    very harsh not knowing what happened.



    possibly

    however it's everyones responsibility to keep valuables WITH THEM at all times
    even my 17 year old child knows that, and if he had anything stolen I certainly wouldnt be blaming the organisers of any festival he might have gone to, I'd be blaming the people who took them and also HIM for leaving them where they might get stolen

    karenhornby;2856928

    possiblyhowever it's everyones responsibility to keep valuables WITH THEM … possiblyhowever it's everyones responsibility to keep valuables WITH THEM at all timeseven my 17 year old child knows that, and if he had anything stolen I certainly wouldnt be blaming the organisers of any festival he might have gone to, I'd be blaming the people who took them and also HIM for leaving them where they might get stolen


    if its in a backpack on your back its easy to have your backpack unzipped without you noticing and easily taken out. it's happened to my friend before, this could be the scenario.

    Rigghhtt....so if I rob your house karenhornby, i'm gonna blame you for not being there to keep your valuables safe...
    Sometimes we leave valuables in a place where they should be safe e.g. our own home, lockers, and sometimes those facilities are provided by event organisers for your valuables...
    Think outside the box much?

    Original Poster

    I'm not at liberty to explain what happened exactly, as its still being investigated, this isn't the point of this post at all - I'm just after some insurance suggestions.

    But I will say, for the benefit of those deadly curious and so that silly speculations stop, the VIP camping area was hit hard with many tents slashed on the Saturday night. The bag wasn't left in a tent and lockers wern't offered to us - dcx_badass, lucky you if you were offered a locker.

    Be nice if this stayed on topic - hard to get decent help on here these days.

    It partially depends on the value of your items as to whether house insurance will cover it or not, usually there's a lower limit for standard items but you can get cover for specific higher value items. This tends to be cheaper than taking out a separate policy however it depends on your equipment, I found it wasn't suitable for my camera/laptop equipment due to the high value. In choosing a separate policy aside from price one issue to be aware of is what travel exactly you're covered for, there are varying degrees of how much time you can spend abroad and have your equipment covered.

    John

    I dont want to put a downer on things, but if you were to try and insure something after suffering a loss (insured or not) the premium would rocket, even if you were not to blame
    and if you didnt notify them, then if you ever did have a claim and they found out (by police report you previously got robbed) then they would invalidate your insurance

    As previously suggested if you have house insurance claim on that

    alternatively for next time...
    jsinsurance.co.uk/com…tml and there are many others specialising in laptops and cameras
    any member of the press will have knowledge of special rates available and by what companies

    I thought the same, at first, and questioned why he would take expensive stuff, and for a regular festival goer i would agree, however, as he was a staff member, by the sounds of it photography, it is different.

    I'm sorry to hear about your loss, and hopefully the investigation will come to a suitable conclusion. I can't help you on the insurance side, however, Endsleigh specialise in student insurance, so worth having a look there

    It seems your computer and other equipment were being used as part of your job or business (you said you were in the press area).

    If that is the case I doubt it would be covered under "normal" household insurance.

    If you choose not to tell them you were there as a mamber of the press they may well then ask why you needed to take a laptop to a festival.

    If you are working for the press and taking expensive equipment with you then I would try to get busines insurance for it.

    Original Poster

    I'm a freelancer. But thanks for the advice, I'll ask if I'm covered for 'work purposes' when I take out a policy.

    That's a very good point actually, when looking at separate policies for my camera equipment you had to choose between personal and business policies with the latter being if you shot professionally.

    John
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