Camera Insurance - Why Pay More for Insurance

Camera Insurance Frequently Asked Questions

If you have any queries regarding camera insurance, please check here first of all. If you are unable to find an answer, please contact us.

Q. How much is it to insure £x amount of equipment?
A. Sorry, we aren't able to provide quotations through our contact us page. Please use our online search service.

Q. Do I need amateur or professional cover?
A. Professional cover is only required if you are receiving payment for your work. If you are not being paid, then only amateur cover is needed, even if you are using professional class equipment.

Q. I need to insure a camera for a long backpacking holiday, what is available?
A. Please use our online quote service and select "Worldwide cover: Unlimited" and choose a policy which has no trip length limits. At the time of writing, Photoguard Select is the only policy that would cover this type of trip. Please take note of the security requirements for the policy you choose.

Q. What value should I insure my equipment for?
A. You should insure your equipment for the current replacement value from a reputable supplier at the time of applying for cover. For vintage equipment, you should get a current valuation to determine the value to use.

Q. What is the maximum value you can insure?
A. All of our insurers do have a maximum value of equipment that can be quoted for online. If you need to insure more than £50,000 of equipment please contact us and we can refer you to a specialist broker.

Q. Can you cover my equipment in an unattended vehicle?
A. Yes, some of our insurers are able to cover this.

Q. Is there an excess if I claim?
A. Yes, although this may vary depending on the policy section you are claiming under. Please refer to the policy documentation for more details.

Q. Am I covered if I lend or hire my equipment to someone else?
A. Some of our insurers can cover this; please refer to the policy documentation for more details.

Q. Do you only cover UK residents?
A. Yes, you must be a UK resident to be covered by our insurers. Some policies will cover Channel Islands and Isle of Man residents too - please check the policy documentation for details.

Q. Can you insure my laptop?
A. Some of our insurers are able to cover laptops if they are used in conjunction with your camera equipment. Cover limits and higher excesses may apply. Please refer to the policy documentation for more details.

Q. Is there any camera equipment you cannot cover?
A. Yes, there are some restrictions, which vary from insurer to insurer. Generally, consumable items such as bulbs & batteries and software/data will not be covered. Please refer to your policy documentation for more details.

Q. Can you insure photographic studios?
A. Our quote system will not cover photographic studios, but the professional policies would cover your equipment inside the studio. If you are looking to cover the studio itself please contact us and we can refer you to a specialist broker.

Q. Is my equipment covered while I am abroad?
A. Some of our insurers do cover equipment taken abroad. This is covered within our online quote system.

Q. Are there any minimum security requirements?
A. Some policies require minimum security at the home address and in unattended vehicles. This will be detailed within the policy documentation.

Q. Are there any maximum age limits for my equipment?
A. Some policies do have a maximum age limit for individual items. This will be show on our online quote search results and detailed within the policy documentation.

Q. How do I make a claim?
A. Each provider has their own claims procedure. This will be detailed within your policy documentation.

Q. Do I need a receipt for my equipment?
A. Most of our insurers require a receipt when you are making a claim. This helps to speed up the claim process. Full details can be found in your policy documentation.

Q. Can I make a claim immediately?
A. Our policies usually have a minimum period before you can make a claim. This will be detailed within the policy documentation.

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