Do I need camera insurance?
Your household insurance does not always cover your camera equipment; therefore you may want specific camera insurance.
What sort of equipment does your policy cover?
We cover: adaptors, backdrop screens, battery chargers, binoculars, bodies, cameras, camera rigs (cranes, dollies & jobs), camera backs, cases, editing equipment, film processing equipment, filter/filter systems, lenses, light diffusers, light meters, light reflectors, memory cards, plates, portable lighting including flash guns, spotting scopes, stabilisers, stands, telescopes, tripods, wireless remote controllers and transmitters, video editing and audio recording equipment.
Can I insure my computer on this policy?
A laptop or desktop computer can be included on this policy if they are primarily used in conjunction with the photographic equipment.
Are there any photography items you cannot cover?
We cover most items with the exception of consumables such as batteries, bulbs, cables, computer software, discs, films, fuses and leads and cameras attached to drones.
Do I need to provide a list of the items I want to insure?
Yes, we need the make, model and replacement value for all items with an individual replacement value of £250 or more.
If there are any items with a replacement value of £1,000+, we also need a serial number. We also need the total value for all other items with an individual replacement value below £250, but makes and models are not required for these items.
Is there a limit for any single item I propose to insure?
The single item limit on the Amateur & Semi-pro cover level is £10,000.
The single item limit on the Professional cover level is £15,000.
I noticed that you offer both Amateur & Semi-pro cover and Professional cover - I'm not sure which insurance I need to take out?
We deem an amateur or semi-professional photographer as an individual earning no income or less than 50% of their income from photography or related business. A professional photographer earns 50% or more of their income from photography or related business.
Am I covered if I lend or loan my photography equipment to another person?
No, the cover is only applicable to you.
Do I need any specific security on my vehicle or where I keep my equipment?
Yes, full details are provided within our camera equipment insurance Security Requirements within our policy wording.
Amateur Photographer Security Requirements.
Professional Photographer Security Requirements.
Do you cover sport cameras and other such accessories?
Yes, if you select our Elective Benefit 'Helmet, Sports & Action cameras' it would be covered up to £500. You must list the equipment on your policy.
Do you cover underwater camera equipment?
Yes, if you select our Elective Benefit 'Waterproof Photographic Equipment' it would be covered up to £4,000. You must list the equipment on your policy.
What is 'New for Old'?
If, within 4 years of the manufacture date (a) your camera equipment is lost, stolen or accidentally damaged (b) you have insured the equipment for the value of a new replacements and (c) you have chosen 'New for Old' cover we will pay up to the new replacement value.
What is 'New for Old for Life'?
If, during the working life of your camera equipment (a) your camera equipment is lost, stolen or accidentally damaged (b) you have insured the equipment for the value of a new replacements and (c) you have chosen the Elective Benefit 'New for Old for Life' we will pay up to the new replacement value.
I note that 'Gadgets & Mobile Phones' can be added as an Elective Benefit?
Yes, we provide cover up to £500 for eReaders, satnav and GPS devices, smart watches, fitness trackers, mobiles and tablets. This is limited to 2 claims every 365 days, except on mobile phones where it is 1 claim every 365 days.
What are Elective Benefits and do they apply to my camera insurance?
Elective Benefits are sections of cover that you can select if you wish to.
Elective Benefits applicable to camera insurance are:
- Gadget & Mobile Phones
- Helmet, Sports & Action cameras
- Waterproof Photographic Equipment
- New for Old for Life
- Extended Worldwide Cover
- Accidental Damage to Portfolio (Amateur & Semi-pro cover level only)
- Extended Professional Indemnity (Professional cover level only)
- Extended Public Liability (Professional cover level only)
- Associates Liability (Professional cover level only)
- Premium Waiver
- Legal Helpline
What is Professional Indemnity?
In the event of a civil liability dispute arising from the conduct of the policyholder’s photographic business, we will cover the claim and claim costs incurred in the policyholder’s defence.
What is Associates Liability?
Associates Liability extends public liability cover to include fellow photographers or assistants who work with the policyholder. This applies only if the Associates Liability Elective Benefit is chosen.