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Photoguard - How to choose photographic equipment insurance

It can be quite a daunting experience trying to choose who to insure your photographic equipment with. Do you go with price over cover benefits or pick a 'bells and whistles' policy? How you pick your photographic equipment insurance really depends on your needs – a professional will have very different requirements to an amateur. Having said that there are a number of things that you should look for, regardless of your needs.

  • Ensure that the insurance company is authorized and regulated by the Financial Conduct Authority
  • Ensure they have their contact details clearly stated on the website
  • Look for excesses or minimum claim amounts – if you can't find the information, ask yourself why!
  • Is their website easy to use? If not, it's unlikely they have your best interests at heart
  • What percentage of claims do they pay? If they hide the information or don't know, question if you really want to find out first hand!
  • Look at the cancellation terms
  • Make sure the cover meets your needs – if the policy doesn't cover professional photographers, don't expect them to pay out in the event of a claim when you declare that you're a pro!
  • Does the insurance allow you to store your photographic equipment in a vehicle overnight?

There are a number of other top tips to help you choose a suitable insurance company to cover your photographic equipment:

  • Check to see how knowledgeable their staff are – give them a call and ask a few questions. If they're genuinely interested in your business, they'll be more than happy to answer your questions.
  • Check that your most expensive item of photographic equipment doesn't exceed the maximum item limit.
  • Check that the value of all of your equipment doesn't exceed the maximum sum insured. This is particularly important if you plan to use your home contents cover.
  • Check that theft from a vehicle is covered if you need it – don't assume that it will be.
  • Make sure you can comply with any security requirements that may apply to your home, studio or vehicle.
  • Above all, check the policy wording or the summary of cover and make sure the cover fits your needs.

Hopefully the pointers above will have given you an insight into what to look out for so in the event of a claim, you have no problems and your claim goes through smoothly.

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