Planned outage: our website quotations and customer portal will be temporarily unavailable for maintenance from Friday 12th April 2024 19:30 - 20:30 and Saturday 13th April 2024 17:00 - 18:00. Please accept our apologies for any inconvenience this may cause.
25 %
Introductory Discount
Camera insurance from £1.46 per Lunar Month
Start Quote

Lunar Monthly premium based on £100 of camera equipment including introductory discount on the Amateur & Semi-Professional policy.
The average premium our customers paid in 2022 was £8.88 per Lunar Month with an average £5,100 sum insured.

Take Your Pick With Tweakable Camera Insurance!

It doesn’t matter if you are a professional photographer or a part-time snapper, everybody wants to capture that perfect photo. It’s not just about being in the right place at the right time, it’s about having the right equipment too. The photography business has been through significant changes over recent years and good camera equipment doesn’t come cheap to today’s photographer.

Expensive equipment needs the right protection so, if you are looking for camera and photographic insurance that can be personalised or tweaked to fit around your photographic hobby or professional work, you are in the right place.

Choose From 2 Policy Types To Start

To start your quote simply choose the policy type that provides the levels of cover that you need. Amateur and Semi-Professional policies are for photographers who earn less than 50% of their income from photography-related work with less than £25k of equipment. Professional policies are for those who earn more and own up to £50k of equipment and also feature more benefits than the former with increased levels of cover too. Whichever policy type you choose, you can tweak it with our range of Optional Benefits.

Amateur & Semi-Professional photographic insurance policies include:

  • Theft
  • Loss or Accidental Damage
  • New for Old
  • Unattended Vehicle
  • Worldwide Cover
  • Replacement Hire
  • Data Recovery
  • Public Liability
  • Personal Accident

Professional photographic insurance policies add the following benefits:

  • Accidental Portfolio Damage*
  • Props
  • Professional Indemnity

* also available as an Optional Benefit for Amateur & Semi-Professional policies

What Additional Optional Benefits Can I Add?

Our Optional Benefits allow you to tweak your photographic insurance policy with the following:

  • Gadgets and Mobile Phones
  • Helmet, Sports & Action Cameras
  • Waterproof Photographic Equipment
  • New for Old for Life
  • Extended Worldwide Cover
  • Extended Professional Indemnity**
  • Extended Public Liability
  • Associates Liability**

** only available on Professional policies

For further details simply read on or get a free no-strings quote and find out if you could be better off insuring your camera & photographic equipment with The Insurance Emporium.

Award winning insurance!

A collection of images showing the awards that The Insurance Emporium has won A collection of images showing the awards that The Insurance Emporium has won

Defaqto 5 Stars on selected products

Best Insurance Provider in Photography

Find the Right Policy For You

Our Range of Cover Levels

Check out our easy-to-read Table of Benefits below to see which level of cover will give you the protection you need.

Table of Benefits

  • Theft i
  • Loss Or Accidental Damage i
  • New For Old i
  • Unattended Vehicle i
  • Worldwide Cover i
  • Replacement Hire i
  • Data Recovery i
  • Public Liability i
  • Personal Accident i
  • Accidental Portfolio Damage i
  • Props i
  • Professional Indemnity i

  • Theft i
  • Loss Or Accidental Damage i
  • New For Old i
  • Unattended Vehicle i
  • Worldwide Cover i
  • Replacement Hire i
  • Data Recovery i
  • Public Liability i
  • Personal Accident i
  • Accidental Portfolio Damage i
  • Props i
  • Professional Indemnity i
Lunar Monthly
(payable every 28 days,
cover renews every 28 days)
Amateur & Semi-Professional
  • Up to £25,000
  • Up to £25,000
  • Up to 4 Years
  • Up to £25,000
  • 130 days
    (up to 45 days per occasion)
  • £400/per week
    (Up to 4 weeks)
  • £300
  • £1.5 million
  • £7,500
Professional
  • Up to £50,000
  • Up to £50,000
  • Up to 4 Years
  • Up to £50,000
  • 240 days
    (up to 60 days per occasion)
  • £600/per week
    (Up to 6 weeks)
  • £400
  • £2 million
  • £12,500
  • £2,000
  • £2,000
  • £100,000
Yearly
(payable annually,
cover renews annually)
Amateur & Semi-Professional
  • Up to £25,000
  • Up to £25,000
  • Up to 4 years
  • Up to £25,000
  • 90 days
    (up to 45 days per occasion)
  • £300/per week
    (Up to 4 weeks)
  • £200
  • £1 million
  • £5,000
Professional
  • Up to £50,000
  • Up to £50,000
  • Up to 4 Years
  • Up to £50,000
  • 180 days
    (up to 60 days per occasion)
  • £500/per week
    (Up to 6 weeks)
  • £300
  • £1.5 million
  • £10,000
  • £1,500
  • £1,500
  • £50,000

Optional Benefits
  • Gadget and Mobile Phones i
  • Helmet, Sports, Action Cameras i
  • Waterproof Photographic Equipment i
  • New For Old For Life i
  • Extended Worldwide Cover i
  • Accidental Damage to Portfolio i

  • Gadget and Mobile Phones i
  • Helmet, Sports, Action Cameras i
  • Waterproof Photographic Equipment i
  • New For Old For Life i
  • Extended Worldwide Cover i
  • Extended Professional Indemnity i
  • Extended Public Liability i
  • Associates Liability i
Amateur & Semi Professional
  • £500
  • £500
  • £4,000
  • Extends the New for Old for the life of your equipment
  • 200/240/260 days
    (Up to 45 days per occasion)
  • £1,500
Professional
  • £500
  • £500
  • £4,000
  • Extends the New for Old for the life of your equipment
  • 180 days
    (Up to 100 days per occasion)
  • £250,000
  • Public Liability up to £5m
  • Included within the financial limit of your Public Liability cover

Theft of your photographic equipment.

Lost or accidentally damaged photographic equipment.

Cost of replacing photographic equipment with new if stolen, lost or accidentally damaged.

Theft, loss or accidental damage of your photographic equipment from an unattended vehicle.

Theft, loss or accidental damage outside of the United Kingdom, Channel Islands and Isle of Man.

Hire of replacement equipment whilst yours is being repaired or replaced.

Payment for data recovery specialist when data relating solely to your photographic equipment is corrupted.

Your legal liability to others for compensation and costs arising out of your use of your photographic equipment.

Accidental bodily injury sustained whilst using your photographic equipment and within 12 months is the sole cause of death, total and irrevocable loss of hearing, sight or limbs or total permanent disablement.

Accidental damage to your portfolio.

Theft, loss or accidental damage of your props.

Your legal liability for breach of professional duty.

Your lost, stolen, accidentally damaged or damaged by coming into contact with liquid, gadget, or mobile phone.

Loss, theft or accidental damage of helmet/sports/actions cameras.

Loss, theft or accidental damage of waterproof photographic equipment.

Cost of replacing photographic equipment with new if stolen, lost or accidentally damaged.

Loss, theft or accidental damage outside of the United Kingdom, Channel Islands and Isle of Man.

Accidental damage to your portfolio.

Your legal liability for breach of professional duty.

Your legal liability to others for compensation and costs arising out of your use of your photographic equipment.

An associates legal liability to others for compensation and costs arising out of their use of your photographic equipment is included within your financial limit of Public Liability cover.

Theft of your photographic equipment.

Lost or accidentally damaged photographic equipment.

Cost of replacing photographic equipment with new if stolen, lost or accidentally damaged.

Theft, loss or accidental damage of your photographic equipment from an unattended vehicle.

Theft, loss or accidental damage outside of the United Kingdom, Channel Islands and Isle of Man.

Hire of replacement equipment whilst yours is being repaired or replaced.

Payment for data recovery specialist when data relating solely to your photographic equipment is corrupted.

Your legal liability to others for compensation and costs arising out of your use of your photographic equipment.

Accidental bodily injury sustained whilst using your photographic equipment and within 12 months is the sole cause of death, total and irrevocable loss of hearing, sight or limbs or total permanent disablement.

Accidental damage to your portfolio.

Theft, loss or accidental damage of your props.

Your legal liability for breach of professional duty.

Why Choose Us For Camera Equipment Insurance

2 Policy Types To Choose From
100% Sum Insured Theft And Loss
4 Years New For Old

Read The Not Small Print

We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use so we've put them in this helpful box of not small print!

The 25% Introductory Discount is available from the start of the policy until its first review/renewal date.

This is based on Camera Equipment insured for £100 with no Optional Benefits selected, on the Amateur & Semi-Professional level of cover.

The average premium our customers paid in 2022 was £8.88 per Lunar Month with an average £5,100 sum insured.

A lunar monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.

How do I redeem my promo code discount?
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium.

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 Optional 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 Optional 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 Optional 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 Optional 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 Optional Benefits and do they apply to my camera insurance?
Optional Benefits are sections of cover that you can select if you wish to.

Optional 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)

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 Optional Benefit is chosen.

A lunar monthly policy runs for, and premiums are collected on, equal periods of 28 days. This type of policy renews every 28 days.

Runs for 365 days from the commencement date and time shown on Your policy schedule; automatically renews annually.