*Price based on a camera worth £1,000 in a NN5 postcode area. Annual premium of £27.72. Prices are correct as at 23/09/19

Camera Insurance

Protect your camera and accessories from £2.31 per month

*Price based on a camera worth £1,000 in a NN5 postcode area. Annual premium of £27.72. Prices are correct as at 23/09/19

Key features


Our camera insurance is tailored to amateur and professional photographers in the UK. If photography is your passion or your livelihood, you'll want to protect expensive camera equipment such as lenses, tripods and bags. PhotoGuard has over 20 years' experience in covering UK photographers with a policy that includes accidental damage, equipment hire, in-vehicle cover and Public Liability cover. Our policy is popular with everyone from vloggers to wedding photographers. Get a quick quote online today and see how much you could save. 

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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.

 

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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.

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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.


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

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 does camera insurance cover?


Want to find out even more about our cover? If you're wondering about what's included in your camera insurance then we've answered a few questions for you below.

Can I get camera insurance for travelling abroad?

We can provide camera insurance if you're travelling abroad, but this depends on the options you choose. Included as standard with your policy, you are covered 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.

Will my camera insurance cover a professional studio?

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 which can be extended to include colleagues and assistants. Please note, photoGuard only covers the equipment you have – we do not provide business insurance or premises cover. If you are looking for business insurance, our sister company PIB Insurance Broker can help, call the team on 0345 450 7171 to find out more.

What value should I insure my camera equipment for?

If you're looking into camera insurance, then for items that can be readily replaced with a new one (or with a similar model), the value should be the usual, undiscounted cost including VAT from a reputable retailer at the time you apply.

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.

Does my camera insurance cover me if I'm flying abroad?

This depends on the exact circumstances and what options were available to you, but it is advisable that you carry your equipment as cabin luggage. If government or airline restrictions prevent this, you may want to assess if you need to take all of your equipment with you. Provided the equipment is in a purpose designed equipment case, it is covered for accidental damage. Theft is covered, provided you can demonstrate forcible entry into the bag or suitcase. We regret that loss of baggage containing your equipment is not covered with photoGuard.

Do you supply one-off cover for a single event or can I get camera insurance for just one day?

We do not offer any cover on a short-term or temporary basis. Cover for a single event can often work out more expensive as an annual policy, so our insurance is provided on an annual basis to give you a more cost-effective solution.

Does camera insurance cover those who live abroad?

We cannot provide camera insurance if you live abroad. You must be a UK resident and domiciled in the UK.

If I choose the Mechanical Breakdown option, is all of my equipment covered?

Our Mechanical Breakdown provides cover for items purchased from new up to 5 years ago. We will only cover items that you select during the quote process, so you won't have to pay for items you don't want covered.

Camera insurance and theft: are there any security requirements for my vehicle or where the equipment is kept?

If you fall victim to theft of your camera or photography equipment, then the following security requirements apply:

Requirements: 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.

Requirements: In-Vehicle Cover

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.

Accidental damage that occurs in a vehicle is only covered if the insured item is in a purpose-designed equipment case.

Can I get insurance for my drone or UAV?

Yes, we can insure drones/UAV's, as 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 of the United Kingdom government and any Civil Aviation Authority guidelines.
  • 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.