WEB13 - AWS
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Frequently asked questions (FAQs)


We have split the FAQ's into 5 sections - please click on the relevant link to see those questions.

About the cover
About the company
About the site
Problems opening or receiving documents
About your payment plan

About the cover
  • 1) Do you only cover UK residents?
    • Yes. You must have been a resident of the United Kingdom for a minimum of 12 months at the time of policy inception. You must have a permanent residential address in the UK and have not been travelling abroad continuously for more than 12 months.
  • 2) I have previously made a claim, will this affect my cover?
    • 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 this could invalidate your cover. If you require the public liability option, you must tell us about any liability, property damage or personal accident related events or claims. If you are in any doubt, you should tell us.
  • 3) What information do you need to start cover?
    • We need your name, contact details, date of birth, payment details and the make and model of each item over £250 in value that you would like to cover. Whilst we don't require the serial number to complete an application, you will need to provide this for items over £250 on our Photoguard Select policy or £750 if you are covered on our Photoguard PRO policy in the event of a claim.
  • 4) Do you insure studios?
    • Yes, although you will need to take out cover through our Photoguard PRO site. You can insure equipment and also benefit from essential liability cover which can be extended to include colleagues and assistants. Please note, Photoguard PRO only covers the equipment you have – we do not provide business insurance or premises cover.
  • 6) What value should I insure my equipment for?
    • 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 dealer at the time you apply. End of season offers and bargains from Ebay do NOT count as the usual price.

      For vintage and rare equipment you should obtain a specific valuation from a reputable source, not more than 12 months before your commencement date. It is advisable to obtain a new valuation at least every three years, to take into account any market changes in value during the period.

      It is better to over insure rather than under insure.
  • 7) What is the maximum value you insure?
    • Photoguard Select - we can cover equipment up to £25,000 and up to a maximum of £10,000 per individual item. We can cover individual items and equipment to higher values upon referral so for an individual quote for higher values please contact us on 0333 004 6555.

      Photoguard PRO - we can cover equipment up to £50,000 and up to a maximum of £15,000 per individual item. As on Select we can cover individual items and equipment to higher values so

      for an individual quote for higher values please contact us on 0333 004 6555.
  • 8) Is there an excess on this policy?
    • That depends on the type of claim:

      - For theft and accidental damage claims there is a compulsory excess of £50 - Public liability claims are subject to a £500 excess for third party property damage only.

      If you would like a discount on your premium, you can pay a voluntary excess, with the size of the excess dependent upon your Sum Insured.
  • 9) Are there any items you cannot cover?
    • The maximum cover for any one item is £10,000 for Select or £15,000 for Photoguard PRO customers. If you have an item over that value, we may be able to cover you, so please call us on 0333 004 6555 for an individual quote.

      We cover most items with the exception of:

      • consumables such as batteries, films, bulbs, leads and cables

      Computer disks, software and soundcards are only covered if:

      • They are used exclusively for photographic purposes
      • Have been bought from new
      • Cannot be reinstated from a back-up disk
      • That any code (a record of which must be kept by you) or protection device is no longer available or will operate

      The information above is a guide only – full details are available.
  • 12) Am I covered to take my equipment abroad?
    • This depends on the options you choose with Photoguard. Included as standard with your policy, you are covered anywhere in the UK and up to 20 days Worldwide. If you need more extensive cover, you can choose:

      • Anywhere in the UK, EU with 30 days worldwide in any policy year
      • Anywhere in the world at any time in any policy year.
  • 13) I am travelling on an airline, am I covered?
    • 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. You can ask us for individual advice if in any doubt about your own set of personal circumstances.
  • 17) Do you cover computers, laptops or software?
    • Computers and laptops are only covered if:
          • They are used exclusively for the photographic purposes
          • Laptops (due to their limited life span) are, in the event of a claim, subject to a deduction being made for wear, tear and depreciation as follows:
              o Up to 18 months = No deduction
              o Over 18 months and up to 36 months= 25%
              o 36 months and up = 50%
      Disks, software and soundcards are only covered if:
          • They have been bought from new
          • They cannot be reinstated from a back-up disk
          • That any code (a record of which must be kept by you) or protection device is no longer available or will operate
      The information above is a guide only – full details are available.


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