*Price based on a camera worth £1,000 in a CO9 postcode area. Annual premium of £27.72. Prices correct on the 23/09/19

Photography Insurance

Specialist protection from as little as £2.31 per month*

*Price based on a camera worth £1,000 in a CO9 postcode area. Annual premium of £27.72. Prices correct on the 23/09/19

Key features

When you’re trying to capture the best shot possible, the last thing you want to do is worry over what might go wrong. You’ll want an insurance policy that’s going to put your mind at ease, so that you can concentrate on taking the perfect photo. With our policies, you can include additions such as your lighting equipment, studio accessories, tripods, cases and even your drones, laptops, PC’s, tablets & other technical equipment that are used as part of your photographic and video work (unfortunately, we are unable to cover drones & tech equipment as stand-alone items on a policy and/or unless they are used for photography or video work). So, whether you’re a vlogger, an amateur or a professional photographer, we can help provide the protection to suit your needs.

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Public Liability

Accidents can happen, especially if you’re out in public. That’s why we will protect you against third party damage or injury claims (excludes any liability relating to your use or ownership of a drone). 


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Equipment Cover

Our insurance is designed for your camera equipment. That's why we can cover against theft, accidental damage, vandalism and even damage caused by flooding. Security requirements apply.


In-Vehicle Cover

We know theft is an issue and you may want to cover photography equipment which is stored in the car. Our In-Vehicle Cover is automatically included. Storage and vehicle security requirements apply.

Camera Equipment Hire

Equipment Hire

Making a claim with us and still need a hire camera? It’s covered as part of our claims service. Up to £2,000 equipment hire available if you need it.

Amateur and pro photography insurance

Amateurs & Professionals

Whether photography is your hobby or your profession, we understand people who love photography need a policy that is as serious about it as they are.

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Lend to a Friend 

Letting a trusted friend borrow your camera? Don’t worry, you’ll still be protected should something happen while someone else uses it.

Personal Accident Cover

Personal Accident Cover

If you've suffered an unfortunate and serious accident while using your photography equipment, then we can provide up to £10,000 in personal injury relief. 

New for Old Camera Equipment

New for Old Cover

No value depreciation on your camera and kit when you use our approved claims service, which are all handled in-house by our own photography claims team – no outsourcing to a third party. Evidence of ownership is needed if you make a claim.

Pre-Owned cameras and lenses

Pre-Owned Cameras & Lenses

Choose the cover that suits your budget. Your pre-owned camera bodies and lenses can be covered on a new for old basis or at their pre-owned value - you can choose. Proof of purchase is required.

Our optional extras

Want even more from your cover? If you’ve got projects lined up abroad, or if you need extra reassurance when you’re working closer to home, our extended covers might be just what you need. You can choose to protect your gear wherever you roam, or extend your cover against liability claims in case something goes wrong.

Worldwide camera insurance

Global Travel 

30 days of travel cover not enough? If you’re away with work or if you’re planning a worldwide adventure, you can extend your policy to include 365 days of global travel cover.


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Extended Liability

£5m Public Liability

Extend your Public Liability cover and get protection for you and those who assist you in photography or filming against third-party damage or injury claims of up to £5million.


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Mechanical Breakdown

Mechanical Breakdown

It’s frustrating if your camera breaks down outside its warranty. Our extended Mechanical Breakdown option will cover faulty kit that's up to 5 years old.

What our photoGuard customers say

We pride ourselves on delivering a personal service to every photographer that we help protect. You don't have to take our word for it though - check out some of our independent reviews to see what our customers have to say! If you'd like to leave your opinion, good or bad we encourage you to submit a review too.

Information and guides

Need more information? Our full list of FAQs are available below, as well as a link to your customer account where you can access information about your policy. 

Who we cover

Our cover has been designed for a wide variety of photographers. From professionals in the studio, to wedding photographers and even vloggers, our straightforward policy means you can choose the cover that suits you, whether photography is your passion or your profession. Our experience in the market means that whether you’re working on set or out on safari, we can keep you protected.

Amateur Photographer Insurance


Whether photography is your hobby or your profession, we understand people who love photography need a policy that is as serious about it as they are.

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Pro Photographer Insurance


Your camera equipment is your livelihood, so the impact of something going wrong doesn't bear thinking about. Luckily, we’re here to help keep you working if the worst happens.

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Student Camera Insurance


We know that as a student, insurance might not be the most exciting subject. However, it's important that you know that the tools of your trade are protected as you learn.

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Professional photographer


Even if you aren’t relying on your talents to earn a living, you’ll still want to keep your equipment safe. Fortunately, with our cover you can do just that.

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If you’re a vlogger or starting to produce your own films, then our insurance can help. We can cover your video camera and equipment at home and abroad. 

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Policy documents

For customers incepted on or after September 23rd 2019, you can click below to access your policy wording.

Policy documents - Home Studio, Flexi and Select

For customers incepted before September 23rd 2019, you can click below to access your policy wording.

Existing customers

If you have an existing policy with either APIS or Photo Liabilityguard, then you can contact our team for information on your policy. 

Email: support@guardcover.co.uk

Recent posts

We want to make sure that you keep the enjoyment that you get from photography going – whether you earn a living from it, or if it's a part-time passion. In our articles section, you can find hints and tips, as well as a number of articles and guides to help you become the best photographer you can be.