Posts Tagged ‘camera insurance’

SA nature photographer tracks down Ipad thieves with Apple technology

Did you know that you can track down your stolen Iphone and iPad with the Geo-Location Technology provided by Apple? I have only recently discovered this amazing technology when a good friend and well known nature photographer, Hilton Kotze, managed to assist the police in arresting thieves in the Nelspruit area!

I have asked Hilton to share a personal account of the events and would like to share this with images that were used in making the arrest!

Hilton capturing the Rugby on camera

I would like to thank Apple for their “locate me” technology as it helped the South African police to arrest a crime syndicate operating in the Nelspruit area.

My laptop bag was stolen out of my car on the 17th of August in White River South Africa. In my bag was a 17 inch Macbook pro and my Ipad.

I contacted my IT specialist Janes , and asked him to check on the web if he could see my Ipad ( I have "locate me" activated). He said my Ipad was on the move so I immediately went to the police to inform them that my bag had been stolen but that I had location tracking on it and it was moving.

They jumped into a car with me in and we set chase the whole time getting updates from Janes as to where they were stopping and where they were turning.

Eventually we followed them to panhandle house in Nelspruit. Janes was able to email us the exact location and a street view of the entrance!

The police were able to make 7 arrests and I recovered the  pad but the laptop had been offloaded somewhere along the road. This was a major breakthrough for the police in the investigation into the crime syndicate and where their drop-off and hide-away points were.

The police arrested 3 Nigerian citizens and also found 8 emty laptop bags as well as a very expensive camera at the premises.

Images provided by Apple Geo-Location Technology

The Map of the Area

Location of stolen iPad from the Air

Street View Provided to the Police

For photos by Hilton Kotze also view Wildlife Photography

Nature as captured on camera by Hilton Kotze

Also view:

How do I find the best insurance for my laptop, iPhone and smartphone?

Fraudster arrested after submitting false camera insurance claim

We would like to share some info from the South African Insurance Crime Bureau on the recent arrest of an insurance fraudster:

History of the Case:

An investigator from the SAICB received a tip-off with information that an individual submitted a false claim for a Laptop and camera with approximate value R17 700.00, that was stolen when his vehicle was broken into.

The ID number that was used in the claim did not match the person claiming, the claim and the bank account that were used were found to have been used for various other claims by various other individuals as well. On 6 July 2011 an operation meeting with the Organised Crime Unit of Germiston and members from SAICB was held in Pretoria to arrest the target.

The target was contacted to arrange for the delivery of a gift voucher by courier. Members from the OCU acted as delivery agents and members from SAICB were in the backup team. The target arrived and was identified by members of SAICB and he was arrested. The cell phone number that was used by the target was contacted and the phone was not with the target and he did not want to inform the where his vehicle was parked.

On the way to his residential address the vehicle was spotted and a search was conducted and a cell phone was confiscated, this was not the cell phone that the target had used to contact the team. The team then moved to the targets residential address, at this address the cell phone was found that was used to contact the members from OCU. This phone was hidden in a box in his bedroom. A search and seizure was conducted and the following items, inter alia were confiscated:

38 cell phones; 50 sim cards; 4 laptops; ID documents for 69 persons identified in the investigation;letters to different banks giving the target permission to use the bank accounts; 150 Policy documents to date; invoices and quotes. There were policy documents found from a member company in unopened mail, in the name of another alias used by the target. It is clear that further policies and claims will be identified as boxes full of exhibits were confiscated.

Modus Operandi:

The suspect used unsuspecting valid peoples ID numbers and opened insurance policies in their names with the same bank accounts and PO Box numbers. After investigation it was found that the risk addresses that were used did not exist. He phoned the insurance company and lodged a claim and when the assessor tried to contact him to assess the claim they would not be able to get a hold of him. He would phone after a month and berate them for the slow service, the claim was then settled expeditiously.

The search and seizure and subsequent investigation revealed that the suspect had moved from the modus operandi described to cell phone fraud. The suspect bought cell phones from one company and insured them through the shop the phone was bought from. He then lodged a claim and returned to the original store asking to be paid cash for the phone as he had already replaced the missing / damaged phone.

The suspect produced invoices for the same phones bought from another supplier on multiple claims.


Cameras, smartphones, laptops and tablets such as the iPad have become the target of many thieves and fraudster. For more on camera insurance , also view:

Smile – but only if your camera and equipment are insured!!

Zoom in on Camera Insurance even if you care for your equipment!!

Nice Camera - But is it Insured?!!

Zoom in on Camera Insurance even if you care for your equipment!!

Accidents happen suddenly and without warning. On Saturday, sitting in the media section at the Super Rugby game in the Free State Stadium, I was once more reminded of this. To my left one of the television cameras used by Supersport toppled over and came crashing down on the glass roof of the presidential suite!

I managed to take a few photos and was quizzed by many about what happened. The observations made and questions asked included the obvious -“I wonder what the costs of the damage would be?”

I must congratulate Supersport for the speed, efficiency and professionalism at which they replaced the damaged camera in time for the television broadcast. This same professionalism I believe would also extend towards their financial affairs and the manner in which they insure these costly assets against accidents and loss.

Unfortunately many less professional photographers do not pay enough attention to insuring their equipment. Only when the equipment becomes very expensive and a vital component to earning a living does the amateur photographer take the time to check the insurance of his camera gear.

I have raised a few questions with Outsurance, South Africas leading direct insurer, about the insurance of camera equipment and would like to share a few insights.

Example of Insurance product for Camera Equipment

Outsurance covers camera equipment on both the personal and commercial products. This is covered under the OUT-AND-ABOUT section for personal lines clients and the OUT-OF-THE-OFFICE section for commercial clients. This is also known as “all-risks” insurance in the Industry.

What is insured?

It’s more than a simple matter of a camera with a few lenses. The equipment may include other electronic and computer equipment (portable or fixed), licensed software, portable audio/video equipment and electronic testing equipment.

When the items are covered under the OUT-AND-ABOUT or the OUT-OF-THE-OFFICE section

Photographer Denese Lups with the 600mm Nikon

•             The cover is on an “all-risks” basis

•             Loss and damage to the items will be covered

•             Accidental damage will also be covered

•             The items are covered anywhere in the world

It is important to know the terms and conditions of the camera insurance policy – and to recognize that insurance does not exclude the basic requirement of care. There are some important aspects to remember if you do not wish to limit your cover. These would include:

  • The need to conceal items that are locked in a vehicle.
  • For example, there is a requirement that the items must be concealed in the enclosed storage areas such as the cubby-hole, boot or under retractable or removable boot covers.
  • Goods left in the open are not covered.
  • There must also be visible signs that the vehicle was broken into.
  • There may be limits to the storage of the items in the loading areas of LDVs or inside canopies.

Conclusion and Advice

Take the time and make the effort to consult with your insurance company about your needs and what you require.

I would also recommend that you consult with professional photographers to better understand the perils you need to be insured against. Let them share their experience on the fine print in policy contracts to look at!

Also remember to review your insurance policy as you upgrade your photographic equipment and specify any new items.

Check these requirements with the insurance company so you can focus through the lense and not at an insurance dispute!

Also view:

Smile – but only if your camera and equipment are insured!!

Photo by Denese Lups during Super Rugby Clash Toyota Cheetahs v Sharks

Smile – but only if your camera and equipment are insured!!

Photography is no longer the domain of only the professional photographer. As cameras and equipments have become more affordable - and perhaps more importantly – the ability increased to edit photos, many more people have seen themselves as having an eye for the perfect picture.

Many of these amateur photographers might not yet have the skill, expertise or experience to create a professional portfolio – but they do have the money to buy expensive equipment and talk the talk.

Do we know much about insuring photographic equipment?

I decided to enquire about the insurance of cameras and photographic equipment and decided it is best to approach the professionals. I have discovered that there are companies specializing in the insurance of photographic materials and would like to share some information from one of these insurers

Artinsure Photographer

Artinsure has pioneered a new specialised product for the photographic market - Artinsure Photographer. Until the introduction of Artinsure Photographer, there has been no comprehensive insurance product for professional and enthusiast photographers, as well as videographers.

Many photographers are not aware that most policies are not comprehensive and do not offer full coverage due to the specialist nature of their equipment.

In fact an ordinary ‘all risk’ policy will not cover the normal risks that photographers encounter and could leave them exposed and out of pocket.

True to their core value added offerings, Artinsure Photographer offers expert advice and knowledge of the photography market, specialist repairs and replacement, as well as a tailored offering to meet the unique needs of the market.

What are the questions most asked by photographers about insuring their equipment?

Top 10 Frequently Asked Questions

1. Why does photographic and electronic equipment need to be separately insured?

We provide comprehensive cover against physical loss or damage to the equipment on a worldwide basis. Standard policies are not comprehensive and do not offer full coverage due to the specialist nature of photographic equipment. An ordinary ‘all risk’ policy will not cover all the risks that photographers encounter and could leave them exposed and out of pocket.

2. Why doesn’t the domestic or commercial policy cater for the client’s needs?

Photographers have found great difficulty in securing appropriate cover as the extension to domestic policies lead to lack of cover in view of business use, unattended vehicle cover and worldwide exposure. There is a high degree of dissatisfaction with the insurance industry in this sector in view of the poor response to claims.

3. What is the process to get a quote?

We work closely with brokers and their clients to ensure delivery of the best solution. Please e-mail us the values, risk address, security and relevant claims record and we will provide a same day quotation.

4. What do we do if our client has a claim?

Our claims process is our expertise. Let us know as soon as possible (the earlier the better to minimise loss) and we will take over the process with the key aim of making this a smooth process that returns your client to the same financial position they were in prior to the claim.

5. What happens if an insured item is damaged or stolen?

It will be sent to South Africa’s leading photographic equipment provider Orms ( to manage the repair process. If it is not repairable, a total loss is declared and Orms will supply a replacement of the same brand and specification. If equipment is stolen, Orms will supply a replacement of the same brand and specification.

6. Is there a policy excess?

Yes, we have standard policy excesses which are detailed in the policy.

7. Can you insure all types of equipment?

Yes, all equipment used by the photographer in pursuit of photography can be covered. This includes camera, video, computer equipment, lighting, props, portfolios, image capture media and electronic equipment.

8. How expensive is it?

Most photographers take care of their property and usually employ higher than average levels of security. Our unrivalled expertise in this area, allows us to offer extremely competitive pricing.

9. Is there a minimum sum insured?

No, there is not but we do apply minimum premiums of R298 monthly.

10. What commission do you pay and do you charge policy, administration or debit order fees

All premiums quoted contain a 20% commission payable to the broker. We do not charge additional fees. Brokers with whom we deal may charge additional declarable fees.

Artinsure serves a wide range of clients from the enthusiast to top professionals, through brokers. Specialist skills offered by trained experts have ensured that Artinsure is the preferred insurance provider for photographic equipment and is endorsed by leading associations, camera clubs and equipment suppliers.

If you’d like to know more about Artinsure, visit our website at

Or Call 086 1111 096


086 1111 096

[Authorised Financial Services Provider FSB License Number 36954, Underwritten by Hollard Insurance]

What are the the insurable interest or photographic materials to be insured?

The key coverage areas are:

1. Theft of the property insured (when not from a vehicle)

2. Theft of the property insured when from a vehicle

3. Accidental damage to the property  insured

4. Hire of equipment

5. Accidental damage to or theft of your portfolio

6. Accidental damage to or theft of your film stock

7. Deterioration of film stock

8. X - ray scanning

9. Processing loss

10. Accidental damage resulting in reshoot costs*

11. Accidental damage to or theft of property at exhibitions*

12. Unwitting handling of stolen photographic equipment

13. Public liability*

* Only apply to Professional Photographers

[We will continue to discuss camera insurance in depth on this Blog]

Professional Photographer Gerhard Steenkamp capturing the FIFA World Cup