Morgan Richardson – Trigger-Happy Insurance
My old freelance photographer’s insurance from E&L (Equine & Livestock – so which one am I?) wouldn’t cover the public liability and studio contents, so I decided to switch. I chose Morgan Richardson. I now wish I hadn’t.
Of course, accidents happen. It’s a busy working studio, and the equipment’s expensive. One day I dropped a camera and the lens took the brunt. It was my lovely 100mm f2.8 Canon macro lens that we use for product stuff. Since we have accidental damage cover, I rang Morgan Richardson to ask what the procedure was for getting quotes and deciding if a claim would be appropriate.
A few days later I got a letter saying that my accidental damage claim had caused the cancellation of my no-claims discount and that my next installment would reflect the hugely higher premium. The trouble was, I hadn’t made a claim. The money-grabbing, greedy bastards at Morgan Richardson had just assumed that I would, and pre-empted me.
If self-insurance was an option, I’d do it. Unfortunately public liability and employers’ liability insurance is a legal requirement and even more unfortunately a contemporary necessity.
Is any insurer better, or are they all universally crap? Let me know if you’ve had any good or bad experiences.
Hi, I’m in 3rd year doing photography and currenty looking to insure my ever growing collection. My tutor is a professional photographer and suggested morgan richardson as they’re cheap and if you ever need to make a claim, make it then (when they send you the massive premium) change your policy to a better company. He said he’s with Williamson Carson. Hope that helps, Laura
Hi they have been chasing me for ages, I am so glad I read I will now tell them to get stuffed
Jon,
when I read what had happened to you I was quite disturbed. If you had an annual policy with Aaduki we would NEVER do this and I cannot understand why Morgan Richardson have done this unless you have a “lunar”policy on a monthly basis – even then, they should at least wait until you have submitted a claim!
I just wanted to reassure you – not all insurance providers handle themselves in this way and I hope you are now with someone else for your cover.
Nik
Oh yes, Morgan Richardson…..Complete bunch of money grabbing crooks. Though they did me a favour when they tried to charge me for a time when I was not covered by them, I found a BETTER policy for nearly HALF the price….. Try Newquay Insurance.
MR can stuuf it up………
DIG
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Cheers! Sandra. R.