About us

Insuring photographers for over 20 years

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Our experience

See what type of products we cover

Guardcover is a leading brand of specialist leisure insurance, focused on fulfilling the insurance needs of cyclists, musicians, photographers, golfers, property owners and pet owners since 1998.

We have built our reputation on understanding the needs of our customers to support the development of our product range whilst delivering great service to provide customers with the support they need through the insurance journey. Our in-depth knowledge of cycling, music, photography, property and pet care spans over 20 years of serving the insurance requirements of thousands of keen amateurs, professionals and pet owners. So whatever you are serious about, we'll help protect it.

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cycleGuard

cycleGuard

If you're serious about cycling then you need to be sure that you have a policy that caters to your needs, no matter what you ride and where you ride. We can help protect your bike and cycle accessories against accidental damage, while you compete, or for protection against third party damage or injury-claims. So, if you like to race your bike competitively or just like to casually cruise, you can feel confident knowing you're protected no matter what.

musicGuard

musicGuard

Household insurance may not provide the level of cover you need when if you're serious about music. At musicGuard, we can offer cover that includes protection when you're preforming away from the home, accidental damage and Public Liability protection, which is essential when playing at a gig. That’s where specialist insurance from musicGuard can help, so you can find cover that’s right for your music equipment.

photoGuard

photoGuard

If photography is a hobby you enjoy, or something you aspire to make a career out of, protecting your camera and photography equipment with specialist insurance can keep you snapping. At photoGuard, we can offer cover for accidental damage, Public Liability protection, and even cover when holidaying abroad. No matter the level of your photography skills, photoGuard want you to feel confident knowing that your camera and equipment is protected.

petGuard

petGuard

We understand that pet owners want the best for their cat or dog, but sometime our furry companions can suffer from unexpected health issues, suffer an accident or even wander off. The cost of operations and other emergency treatments can be expensive, so it makes sense to consider having your cat or dog insured. At petGuard, we’re serious about providing your pet with the protection their loyalty deserves.

Tourer Select

Tourer Select

A touring caravan can be a huge financial commitment, so it makes sense to protect your investment with specialist insurance. Whether you're looking to take a break within the UK, take a trip across the European Union, or simply want to put your caravan in to winter storage, Tourer Select could help. Unlike some budget insurance providers, we offer competitive prices without you having to sacrifice the specialist areas of key cover you may need.

Unoccupied Property

Unoccupied Property

With over 20 years' experience of serving the unoccupied community, we understand the needs of solicitors, home owners, conveyancers and more. To ensure we cover a variety of eventualities we have spoken to our customers, partners and solicitors to ensure we include features for all types of unoccupied property situations. We understand that every property is different, requiring its own specific policy.

Our partners

Find out more about our partners and associates

Frequently asked questions about cameras and photography

Want to find out more about our camera insurance?

If you’re wondering what our camera insurance includes, then we’ve answered a few questions here!

No, this policy is designed to cover equipment only and we are unable to provide any cover for premises. You can insure equipment and also benefit from essential liability cover. Please note, photoGuard only covers the equipment you have and we do not provide business insurance or premises cover. But if you are looking for business insurance, our sister company PIB Insurance Broker can help: 0345 450 7171

Public Liability, also referred to as Personal Liability or Third Party Liability, provides cover for any photo or filming-related legal liability that results in an injury to someone or damage to their property.

For more information on our Public Liability cover for photographers and what Public Liability cover can protect you against, you can consult our policy wording here. Public Liability cover does not apply to any claim or incident in North America.

Our Mechanical Breakdown provides cover for electrical photography and filming equipment purchased from new, up to five years old and outside of any other warranty. Unfortunately, we are unable to cover any technology items or drones (UAVs) for Mechanical Breakdown.

Yes, so long as they are used as part of your photographic or filming activity. There are some important requirements and exclusions to be aware of:

  • Cover will only apply if you have complied with the legal requirements for drone/UAV operation and any Civil Aviation Authority guidelines.
  • Commercial or business use is not covered.
  • Drones/UAVs are not covered under the Lend to a Friend, Public Liability, Personal Accident or Mechanical Breakdown sections of cover.
  • Drones/UAVs are not covered for any accidental damage that occurs within the first 21 days of the drone/UAV being added to your insurance schedule as an insured item.
  • We cannot cover any loss related to drone flyaway and where the drone cannot be recovered.

Yes, computers and laptops can be covered if their primary purpose is for photographic or filming purposes.

Laptops and computers aren’t covered under Lend to a Friend or Mechanical Breakdown cover.

Unfortunately, we are unable to cover any mobile or smart phones.

You should always insure your kit for the current new replacement cost, excluding any discounts, including VAT. However, for pre-owned camera bodies, lenses, and video/filming equipment, you can choose to insure them at their current, new replacement value or at the pre-owned price you purchased them at.

For vintage and rare equipment you need a specific valuation from a reputable source, that is not more than 12 months old. You will then need to obtain a new valuation every three years, to take into account any market changes in value during the period of insurance.

Any offer we make to you will be determined by the features and specification of the insured item claimed for. This is based on the current market equivalent for products of a similar quality and specification and not the original cost of the item.

Yes. You must be a UK resident and domiciled in the UK.

All claims are subject to the following excess unless otherwise stated on your insurance schedule:

Property claim amount:

  • Under £10,000 and claim does NOT include a drone (UAV) - Excess payable: £100
  • Under £10,000 and claim does include a drone (UAV) - Excess payable: £200
  • £10,000 plus and claim does NOT include a drone (UAV) - Excess payable: £200
  • £10,000 plus and claim does include a drone (UAV) - Excess payable: £300

Public Liability (PL) claim:

  • Property PL claims - Excess payable £500
  • Injury PL claims - Excess payable Nil

Yes, you can make changes to your policy by simply logging in to your online account here, by calling us on: 0333 004 6555, or you can email us at: support@guardcover.co.uk

You can add or delete insured items and change some aspects of your policy. Note that additions will incur additional costs. Additional premiums are charged on a pro rata basis from the date of change. Any cover options that you choose can only be added or removed when you first buy the policy or at renewal.

If you need to cover your camera and equipment at more than one address, then you can call our friendly, UK-based team on: 0333 004 6555 and we can discuss your specific requirements.

As the insurance policy is a legal agreement between us and the policyholder, we can only set up a policy with the person who will be named as the policyholder.

You need to tell us about any photography related losses or claims you have had within the last three years whether insured or not. It is important that you make an honest disclosure of any previous claims or losses, as if not this could invalidate your cover.

You can choose to pay in full by credit or debit card. Alternatively, you can take advantage of our interest free monthly payment option and simply spread the payments out, without any additional cost.

This depends on the options you choose. Included as standard with your policy, you are covered to take your camera anywhere in the UK and up to 30 days worldwide in total during your period of insurance. If you need more extensive cover, you can choose our Global Travel option, which will extend your worldwide cover for the full policy period.

Accidental damage to your photography equipment is only covered if your camera is in a purpose designed case during your journey overseas.

Provided your camera is in a purpose designed equipment case, it is covered for Accidental Damage. We regret that loss of baggage containing your equipment or theft of an insured item whilst under the responsibility of a transport provider is not covered with photoGuard.

At your insured location (where your equipment is usually kept, which should also be your main place of residence). For cover to apply whilst your items are at your insured location, please be aware that your items must be kept within the main structure of your insured location.

Cover in an unattended vehicle

Theft or attempted theft from a vehicle will only be covered if your insured item is stored out of sight, in an enclosed storage compartment, boot or luggage space. All vehicle doors and windows must be closed and securely locked, and all vehicle security systems activated.

All insured items need to be removed and stored when your vehicle is at your insured location. In-Vehicle Cover does not apply when the vehicle is at your insured location.

Accidental damage that occurs in a vehicle is only covered if the insured item is in a purpose-designed equipment case. If your equipment is in transit with an airline transport provider, see here for more information relating to airline cover.

For any theft claims, whether at your insured location, storage location or from a vehicle, you need to report the incident to the police and there must be evidence of forcible and/or violent entry or evidence of unauthorised access.

Making a claim with photoGuard

We’ve made making a claim so easy

If you've suffered damage to or theft of your camera, we know how distressing it can be. That's why we'll do everything possible to deal with your claim promptly and get you back out filming and taking pictures again. Our easy-to-use claims process is listed below with some helpful information regarding what to do if you need to make a claim.

1. Call the police

If you’ve been the victim of theft or malicious damage to your photography equipment, your first port of call should be to inform the police.

2. Contact our claims team

Contact our in-house UK team to make your claim.

You can call us on: 0333 004 1999 to get started, or alternatively, you can email us with details of your claim at: claims@guardcover.co.uk

3. Make your claim

We'll provide you with your claim reference and talk you through the next steps. Should we need any further information to help process your claim, we can explain what's needed and support you.

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Your policy document explorer

For customers whose policy started before 1st January 2021, you can access your policy documents here.

Existing customers: If you have an existing policy before September 23rd 2019, then you can contact our team for information on your policy.

You can email us at: support@guardcover.co.uk or call us on: 0333 004 6555

photoGuard customers say this...

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.