*Price based on a camera and bag worth £275 in a G73 postcode area. Annual premium of £15.74. Prices are correct as at 23/09/19

DSLR Insurance

Protect your digital camera from *£1.31 per month

*Price based on a camera and bag worth £275 in a G73 postcode area. Annual premium of £15.74. Prices are correct as at 23/09/19

Key features


If you’re a keen photographer, the chances are that you may own a DSLR. The camera of choice for many a professional and for those who take photography seriously, a DSLR promises a high-quality finish to your pictures. A camera of this calibre therefore requires some significant protection and that’s why our policies are designed to keep you snapping should the worst happen. So, whether you own a Canon, a Nikon or any other brand of DSLR, we can keep it protected. We can cover your lenses too, so you can focus on getting that perfect shot, either in or outside the studio. 

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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.

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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

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

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, or you've got a few questions about DSLR's, then we've got a few answers for you below.

What does DSLR mean?

DSLR stands for "Digital Single Lens Reflex". DSLR's are a digital still image camera which use a single lens reflex mechanism (SLR). 

What is the difference between an SLR and a DSLR?

An SLR is a camera with a single lens and reflex mirror which bends the lightpath into the optical viewfinder. A DSLR is a digital SLR, so it has a digital sensor to capture or record images.

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.

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.

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.

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.

What value should I insure my DSLR 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.