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How to use this site

This is a step-by-step guide to show you how to obtain an online quote and ''create your own cover'.

  1. Get a quote
    The first step is to indicate the total replacement value of your equipment - that's the price it would normally cost new and undiscounted, from a photography store and also including VAT (if you have second-hand equipment, we will replace new for old in most circumstances). If you have a vintage or rare item, then the value should be what a reputable dealer will indicate in a professional valuation.

    We will then give you the lowest premium to insure this value in your home or other specified location.
  2. Create your own cover
    Now you can start to add in the cover options that suit your needs.
    • Photoguard Select
      • In vehicle cover
        This option covers your equipment against theft from a vehicle. There are some important security conditions, so please take the time to read them.
      • Area cover
        This option allows you to specify the geographical area that you require cover for:
        • In the UK (with 20 days Worldwide cover)
        • In the UK and EU (includes 30 days worldwide in any policy year)
        • Anywhere in the world at any time.
      • Public liability
        Public liability (also called personal liability) covers you against claims made against you should you cause injury or damage to property.

        The public liability option also includes personal accident cover, which pays out an amount of money should you suffer an injury whilst using your photographic equipment.
      • Reduce your premium
        If you want to reduce your premium, you can choose to pay a voluntary excess. This will usually save you around 12.5 per cent off your premium.
    • Photoguard PRO
      • Photoguard PRO insurance includes:
        • Hire Cover
        • Props cover
        • Accidental damage to portfolio cover
        • Public liability cover (up to £1 million) and personal accident cover
      • Select how much of your equipment (in value) you normally take to a shoot:
        • Up to 50 per cent of your equipment value
        • All of your equipment
      • In vehicle cover
        This option covers your equipment against theft from a vehicle. There are some important security conditions, so please take the time to read them.
      • Area cover
        This option allows you to specify the geographical area that you require cover for:
        • In the UK (with 20 days Worldwide cover)
        • In the UK and EU (includes 30 days worldwide in any policy year)
        • Anywhere in the world at any time.
      • Public liability
        Public liability (also called personal liability) covers you against claims made against you should you cause injury or damage to property.

        Photoguard PRO includes £1 million of public liability cover, you can choose to increase this to £2 million or £5 million. You can also extend this cover to include other people who work with you.

        The public liability cover also includes personal accident insurance, which pays out an amount of money should you suffer an injury whilst using your photographic equipment.

        If you wish to add colleagues and assistants (associates) to your public liability cover, you can do this later in the online application. Each associate can have a different level of cover to you or other associates.
      • Reduce your premium
        If you want to reduce your premium, you can choose to pay a voluntary excess. This will usually save you around 12.5 per cent off your premium.
  3. You have now ''created your own cover'! Please make sure you understand your Policy
    You now have 3 options:
    • You can save your quote and have it emailed to you for future use.
    • Continue through the application and take out cover online.
    • Spend the next hour hunting the web for another quote!
  4. How to pay
    Once you've completed the application process, just choose how you wish to pay:
    • Online - by single payment by credit card
    • Online - over 12 monthly instalments
  5. That's it - you're covered!
    Within 3 working days we will send your welcome letter and confirmation schedule to you, which will list all the equipment insured and confirm all the components of the cover you have selected. You will need to download the policy wording via a link in the confirmation email or whilst completing your application.

Don't forget - you have 14 days to change your mind!

If you want to change details of the cover, you can contact us on 0333 004 6555 or you can now amend your policy online.

Enter the total value of equipment you want to insure
£
 
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