Insurance

Do I need insurance?

Hiring Equipment valued under £5,000?
If you are hiring equipment with a value of under £5,000, insurance cover is optional. In this instance you would have to opt for the deposit instead.
If you did wish to insure the equipment you are hiring through us, you will be offered this option when placing your order. Please note that no insurance cover can be provided after the equipment has left our depot.

Hiring Equipment with a value in excess of £5,000?
If you are hiring equipment with a value in excess of £5,000 insurance cover is compulsory. You have the option of either forwarding to us a copy of your own insurance policy – this must state that you are covered for hired-in goods and must cover the value of the hired equipment. You can check the value of the equipment by calling or emailing us. We will have to verify your policy before any equipment can be dispatched, please ensure that you have given your insurance company authorisation to speak to us.

Please note that insurance cover CANNOT be provided after the equipment has left our depot and it is on its way to you.

Important Notice
If you do not provide accurate information, abide by the conditions of the insurance cover or if any claim is considered to be fraudulent, you may be liable for up to the full value of the equipment and Hireacamera will take whatever action necessary to recover such costs.

Please note that Hireacamera’s policy does NOT cover unattended goods, if you feel that you need this then please arrange independent cover.

If you have any questions regarding our terms and conditions please contact us on 01435 873028.

Does the premises where I will keep the equipment overnight need specific locks or an alarm?
Yes. All ground floor plus any accessible windows will need to be fitted with key operated window locks and that all final exit doors have a five lever mortice deadlock fitted. (If the doors are made of UPVC then a door with an integral locking system whereby the lock engages with the frame at more than one point upon the turn of a key or handle is acceptable in place of a five lever mortice deadlock).

Please note that if your premises do not comply with the security requirements as shown above under the heading “Do the premises where I will keep the equipment overnight need specific locks?”, unless Hireacamera confirm to you otherwise in writing, there will be no cover for theft or attempted theft of the equipment, vandalism or attempted vandalism to the equipment, at or from your premises.

If the value of the equipment hired is £30,000 or more the premises (your home address or otherwise) must also be protected by an intruder alarm system installed by and maintained under an annual maintenance contract with a NIS approved installer; the alarm must incorporate the REDCARE method of signalling.

If you cannot comply with any of the security requirements you must contact us with full details of the security at the premises and seek our written agreement to waive any of these security requirements otherwise you will not be covered for theft and/or attempted theft from the premises.

Notes about security: A final exit door does not necessarily mean the front door only – it is both front and back doors plus any other exit doors and in the case of flats/units within a building complex it is regarded as the door leading into the individual flat/unit and not any communal entrance exiting out of the building.

If these requirements cannot be met please contact us.

Do the premises where I will keep the equipment overnight need to be of standard construction?
Yes. The Insurers ask that the premises in which you intend to keep the equipment overnight is built of brick, stone or concrete and roofed with slate, tiles, concrete, metal, asbestos or any other non-combustible material. If this requirement cannot be met, see "Is there an amount to pay towards a claim?" below.

Does the insurance cover damage or loss to the equipment if I am using a drone (unmanned aerial vehicle/device)?
No. This policy is not suitable and you will need to speak with us to arrange insurance separately.

Does the insurance cover damage or loss of the equipment if I have to place in into the hold of an aircraft?
Yes provided that you have packed the equipment in sturdy, padlocked, hard shelled carry cases and not inside your usual suitcase.

Is the equipment covered whilst left in an unattended vehicle?
Yes, provided that the equipment is left out of sight from the exterior of the vehicle in a locked luggage compartment or boot and all security protections fitted to the vehicle being in full and effective operation, all windows (including sun roof), are left closed, and if the vehicle is an estate vehicle it is fitted with a hard parcel shelf to form a closed off area within the vehicle under which nothing is visible from the exterior of the vehicle.

For hired equipment with a value of £10,000 or more to be covered if left in an unattended vehicle, in addition to the above terms and conditions it is also a requirement that the vehicle is fitted with a factory fitted or professionally fitted alarm and that the alarm is left switched on when the vehicle is left unattended. You should note that the maximum cover for theft from an unattended vehicle with an alarm is £10,000 but if you require more cover than that you should seek alternative insurance.

If the vehicle has not been locked when left (and all windows and any sun roof left closed), from an unlocked vehicle, where there are no signs of violent and forcible entry to the vehicle or if the vehicle is a convertible, a soft top vehicle, or any other vehicle of a similar “non-enclosed” type.

Finally please be aware that there will be no cover for loss or damage as a result of theft or attempted theft from an unattended vehicle not individually attended between the hours of 9.00pm and 6.00am.

For the avoidance of doubt you should note that cover for loss or damage as a result of theft or attempted theft from an unattended vehicle is only in place between the hours of 6am to 9pm and there is no cover outside of these hours. (It should be noted that leaving the equipment in the vehicle with a coat or blanket left covering it is most certainly not deemed to be out of sight – it must be in a locked luggage compartment or boot or there is no cover). You should not infer from a query raised with us that any adjustment in cover will be put into effect for you; any adjustment to the terms and conditions shown here will be confirmed in writing to you by Hireacamera.

What if I am going on holiday and camping in a tent?
If you are going camping with the hired equipment we will waive the usual time restriction for cover from an unattended vehicle but we insist that overnight the equipment is left out of sight from the exterior of the vehicle in a locked luggage compartment or boot.

At any time, and not just overnight, there is no cover following theft, loss or damage as a result of theft or attempted theft of any equipment from a tent, trailer or other similarly constructed structure whatsoever. (Proof of residence on a camp site may be requested in the event of a claim and we would advise you that you should obtain receipts from the site clearly showing your arrival and departure dates).

What if I am going on holiday and staying in a caravan or campervan?
If you are to go on holiday with the equipment the Insurers will waive their usual time restriction for cover from an unattended vehicle but they insist that overnight the equipment is left out of sight whilst inside the vehicle and that all windows are closed and doors locked and curtains are closed. (Proof of residence on a camp site may be requested in the event of a claim and the Insurers advise that you should obtain receipts from the site clearly showing your arrival and departure dates).

Is there an amount to pay towards a claim?
Yes, to keep the premium down you will be asked to pay the first amount towards a claim as shown below:

a. The first 25% or £525 of each and every claim whichever is the greater where you are hiring equipment with a total value of less than £5000

b. The first 25% or £550 of each and every claim whichever is the greater where you are hiring equipment with a total value of £5000 or more

If, whilst staying away from your premises, the address where you are temporarily staying is not a building built of brick, stone or concrete and roofed with slate, tiles, concrete, metal, asbestos or any other non-combustible material, following fire, aircraft, lighting, explosion, storm, water damage you are responsible for

a. The first 25% or £525 of each and every claim whichever is the greater where you are hiring equipment with a total value of less than £5000

b. The first 25% or £550 of each and every claim whichever is the greater where you are hiring equipment with a total value of £5000 or more

Please note that should your premises not be of standard construction as shown above under the heading “Do the premises where I will keep the equipment overnight need to be of standard construction?” unless Hireacamera confirm to you otherwise in writing there will be no cover for damage to the equipment, or loss of the equipment following fire, aircraft, lighting, explosion, storm, water damage.

All other claims

For all other claims you will be asked to pay the first 10% of each and every claim subject to a minimum of:

a. £175 where you are hiring equipment with a total value of less than £5000

b. £200 where you are hiring equipment with a total value of £5000 or more

What happens if I damage or lose the equipment or it is stolen?
Call Hireacamera immediately on 01435 873028. We will then want to discuss with you what has happened.

We may send someone out to see you to discuss the claim in more detail if we feel this is necessary.

Please note that in the event of any loss or theft, the incident must be reported to the police immediately and a crime reference number obtained. In the event of damage or loss by an airline you will need to obtain a Property Irregularity Report from the airline at the airport where the damage is first discovered (i.e. the airport in which you arrive discovering the damage or loss).

We may need to send you a claim form to complete and return to confirm what has happened and if we do we will send a form to you immediately.

Please be aware that you are required to provide any and all reasonable assistance requested of you and also to provide any documentation reasonably requested.