Digital Camera Insurance
Anyone looking for Digital Camera Insurance should understand that they are unlikely to find policies that are specifically aimed at insuring digital cameras per se.Insurance cover for Digital Cameras is most likely to fall under the category of either Amateur Camera Insurance or Professional Camera Insurance.
Here are some important points to consider when looking for digital camera insurance.
Camera Insurance Checklist
- Firstly, what type of cover do you need...Amateur or Professional? This will be largely determined by whether you intend to use your camera in a commercial capacity i.e. will you use the camera to earn an income.
- How much excess are you prepared to pay in the event of an insurance claim on your camera? The excess value will be one of the main factors that determine the price of your policy. Generally the higher the excess, the lower the premium, so it's important to get the balance right when insuring your digital camera.
- Are you likely to want cover when traveling overseas? Typically this is when we are most likely to use our cameras so it's important to make sure you are covered. Also check the small print of your travel insurance policy as this may or may not offer some form of digital camera insurance.
- Will you be carrying the camera in your car and leaving it unattended? Most policies are quite specific about this, so again you should make sure that you are covered in this area and double check the policy excess, as most insurers will have an increased excess for this option.
- Do you need cover for Public Liability? This is more likely to apply to someone using their digital camera in a professional capacity rather than for personal use, but nonetheless is can be an important policy feature to consider.