Long-term photographic travel insurance [closed]
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The problem is simply put: how can I insure my photograpic equipment (3 dslrs, 7 high-end lenses) for months on end away from "home"? I am a UK resident but live on-and-off in Oslo, for more than half the year.
I have no fixed abode in Norway but if I travel home to the UK or elsewhere in Europe, i will leave some or all of my gear in my (temporarily) rented home in Oslo. This "home" is a series of rental properties (Airbnb or similar), so I have no tenancy agreement, and therefore I cannot get home contents insurance for my "home" in Oslo.
Most insurance policies, even those specialised for professional photographers, have the concept of a "trip" of a fixed length (90 days is a common maximum) during which the gear is covered, but some of my gear never goes home to the UK at all, merely being moved from one flat to another while I come and go.
How do I get cover for the equipment which I frequently leave in Norway?
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Does travel insurance have a time limit?
\u201cTypically, it ranges from 20 to 90 days from the date the covered loss occurs, although some plans don't list a time limit at all,\u201d says Jason Schreier, chief executive officer of GoReady Insurance. \u201cHowever, what is consistent is that all plans typically have the caveat of 'or as soon as is reasonably possible.How do you travel long term?
Our Secrets to Surviving Long Term TravelIs it too late to add travel insurance?
The short answer is: It's not too late! You absolutely can buy travel insurance after booking your trip. However, it's always best to purchase insurance as early in the process as possible. If you procrastinate, you may miss out on certain benefits.What travel insurance will not cover?
Losses due to venereal disease, AIDS virus, pregnancy (except complications of pregnancy), or abortion. Losses due to mental, psychological, or nervous disorders including anxiety, depression, neurosis or psychosis. Losses due to nuclear radiation or radioactive contamination.Travel Insurance | Tips For Choosing Best Health Coverage For A Long Trip | Digital Nomad Series
Sources: Stack Exchange - This article follows the attribution requirements of Stack Exchange and is licensed under CC BY-SA 3.0.
Images: Joey Kyber, Quang Nguyen Vinh, Andrea Piacquadio, Pixabay