Dear all

I am unsure how to proceed with Endsleigh regarding a claim on a stolen camera

I have a content insurance contract with Endlseigh since 2009. I took an option to cover my camera outside of my home. I specified on the contract that the camera is a Nikon D300 worth £1500.

The camera was recently stolen and now I am being challenged to get a proper reimbursement from Endsleigh.

The situation is the following:

- My first mistake: I registered the item to cover as a Nikon D300 but it did include a lens as part of the package. I did purchase the lens and camera body at the same time as part of a package worth £1570 and that is why I put the amount of the item to cover to be worth £1500. The individual components are worth c. £1000 for the camera body and c. £500 for the lens

- My second mistake: I lost the receipt but I do have a bank statement referring to a purchase from a well known camera shop worth £1570

Endsleigh has proposed a replacement for my loss as a Nikon D300S (which is the next version of my camera) but have excluded any lens as part of the replacement. My challenge to them is that the Nikon D300S is worth c. £1000 and therefore is not a like for like replacement for my loss given it would not come with a lens and I would need to buy one separately.

Endsleigh refuses to take into consideration that I had a lens as I did not specify "Nikon D300 + lens" as part of the item to cover. My counterpoint to them was that it would not make sense for me to cover an item for £1500 if the purchase price was £1000 and that the lens is for me an integral part of the camera and did not occur to me that I should have specified that the camera was coming with a lens

Am not sure how to proceed next. I do acknowledge mistakes on my side related to lost receipt and inaccurate description for the camera but also do think that they are not treating me fairly by trying to replace a camera + lens insurred for £1500 by a camera body only worth £1000

Do I have an angle somewhere or should I just let go and be more careful next time?

Thanks in advance

Karibu

Endsleigh or should they be called Endsly. If you were only wishing to cover the camera body you would have stated Nikon D300 camera body. A camera is no good without a lens and it would be pretty obvious if you had specified the camera at £1500 that it would have included the lens.

I would make a complaint and I think they will back down, as I can't see them being successful if you went to the FOS.

See if you obtain a copy of the receipt from the retailer. If you have the purchase date, they might be able to find the details. Did you register the guarantee with Nikon for the Camera and Lens, if so Nikon might be able to provide an email confirming this. Normally when you register the guarantee, you specify the product you bought, serial no's and where you bought the items.

If it always comes as a set (ie. can't buy it any other way apart from in exceptions) then you pribably have a case, if it was just the "deal", then you should have requested cover for the lens as an additional item. The onus being upon you to do this, the same for the price, if you have set it too high for the camera alone, that's your own doing.

Challenge them on the basis that the premium would not have increased for the 2 items, so what have they lost out? I may not be right, but it's worth a go.

Agree with both of the above. The lens is not significantly different from the camera, and the sum insured stated accurately covers both. If it was camera + bicycle, or camera + gold watch then they would have a case, but camera + lens they are wasting their time.

Complain.