Action camera insurance

Protecting your action camera

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Specialist action camera insurance from photoGuard

Protect your action camera and equipment

On the move with your action camera? As the perfect partner for your adventures, you’ll want to keep it safe. At photoGuard, we can help protect your action camera and photography equipment so you can make full use of one of the most popular gadgets around.

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Over 20 years of Guardcover, supporting your passion

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What can photoGuard offer photographers?

See how photoGuard can protect you, your action camera and your photography equipment

20 Years of Experience

We know what it takes to protect the things that matter to you.

Quick and Simple

We've made it quick and easy to get a quote in seconds.

0% Monthly Payment

Spread your payments across the year at no extra cost.

UK Customer Service

Our customer service team is ready to help you with all your questions.

Online Account

Your online account is an easy way to access and manage your policies 24/7.

In-House Claims Service

We don’t pass you on to third-party claims companies, our own, experienced UK claims team are there to help when you need us most.

Specialist action camera insurance from photoGuard

What am I covered for?

If you use your action camera for a variety of sports or adventurous activities, then why not consider protecting it with photoGuard's specialist camera insurance.

What happens if your action camera is stolen or damaged?

If your action camera is stolen from your home, whilst you are out and about or even from an unattended vehicle, photoGuard is there to help. Our cover includes theft and accidental damage, vandalism, attempted theft, and fire damage for cameras and photography equipment up to £50,000 in value. Security and storage requirements apply.

Taking your action camera on holiday?

If you're planning a trip abroad, no problem. We automatically include cover UK wide and up to 30 days worldwide for your insured cameras and photography equipment. For 365 days worldwide cover and additional travel benefits, see our Global travel option.

Need a replacement action camera?

Making a claim with us but still have that booking to honour and need a replacement action camera or photography equipment? It’s covered as part of our claims service, with up to £2,000 of photography equipment hire available if you need it for items being repaired or replaced. Cover applies in the UK and with a valid claim through photoGuard; with up to £250 emergency claims hire cover abroad available with our Global travel option.

Is your action camera covered while it’s in the car?

Keep your action camera and photography equipment safe when you're on the road. We automatically include cover for insured equipment stored in unattended vehicles as well as up to £300 towards the cost of damage to your vehicle caused by the theft or attempted theft of an insured item. Storage and security requirements apply.

How can we replace your action camera?

We understand what your action camera means to you, which is why we offer genuine new for old replacement, and we don’t depreciate the value of your equipment when you make a claim.

Action camera

Optional extras for your action camera

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 plus additional travel benefits.

£5m Public Liability - Extend your Public Liability cover and get protection for you and up to four assistants, who work alongside you in photography or filming, against potential third party property damage or personal injury legal claims that happen, because of your photography activity. Cover does not apply in North America.

Mechanical Breakdown - It’s frustrating if your action camera breaks down outside its warranty. Our breakdown option will cover faulty kit that's up to five years old and owned from new. Excludes drones and technology items.

Which types of camera do we cover at photoGuard?

Photography insurance to meet your needs

Frequently asked questions about action cameras

Want to find out more about our action camera insurance?

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

Smaller and more durable than a regular compact camera or DSLR, most action cameras will either have a built-in mounting system, or will come with kit that allows them to attach to various items such as car dashboards, bikes, helmets, surfboards and more. Action cameras can produce high quality videos and images, with most being able to shoot in 4k, Ultra HD resolution or both.

With most action cameras having excellent built-in stabilisation, they can create high quality videos and images while on the move and even under water (assuming your action camera is waterproof).

Due to their small size and light weight, the image quality of an action camera is relatively on par with modern compact cameras, but arguably not as good as that of a DSLR camera. DLSR cameras have the advantage of added lenses which can offer more creativity and control when shooting. To help keep the size and weight of an action camera to a minimum, they may also lack additional features that come as standard to a DSLR camera.

Depending on the type of photography you plan on shooting, may very well depend on the type of camera you wish to purchase. A DLSR might be more suitable for those using photography studios, shooting events such as weddings, and for photography that requires different zoom options.

However, for fast paced photography on the go, that can produce high quality videos and images using 4k, Ultra HD resolution or both, an action camera maybe the solution.

Not all action cameras are waterproof or can go underwater. If you are considering purchasing an action camera, look carefully at its features to see whether it is in fact waterproof. If you want to use your action camera under water, check this feature as well, as waterproof is not the same as under water friendly!

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 – 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, call the team on: 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. You must be a resident and permanently domiciled in the United Kingdom.

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.

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.

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.

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

Property claim amount:

  • Under £10,000 & claim does NOT include a drone (UAV) - Excess payable: £100
  • Under £10,000 & claim does include a drone (UAV) - Excess payable: £200
  • £10,000 plus & claim does NOT include a drone (UAV) - Excess payable: £200
  • £10,000 plus & 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 action 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 action camera is in a purpose designed case during your journey overseas.

Provided your action 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 6555 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

Take a moment to explore the details of your cover in the policy documents below.

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.