Camera Insurance for photographers and their equipment

When calamity strikes and you damage your camera or have some major piece of your photographic equipment stolen, the price to repair or replace can be high - financially and emotionally.

We take the worry out of repairing or replacing your prized camera, drone, film and video equipment. photoGuard covers you for accidental damage and theft with a flexible photography insurance policy which allows you to build the cover you need. Thousands of photographers choose photoGuard every year so read our testimonials from happy customers and make the choice for yourself!

Reasons to choose photoGuard:

• Flexible cover options - you create the cover you want
• Mechanical Breakdown option for photography or video equipment outside of its warranty
• Only £50 excess to pay on any claim
• Cover up to £50,000 of photographic equipment including DSLRs, lens, camcorders and accessories. We can also cover Drones for theft and accidental damage
• Thousands of amateur and professional photographers choose photoGuard for their photography insurance every year
• Worldwide, EU and UK camera insurance options available

Photography insurance: Questions to consider when protecting your camera kit

If you use your home insurance, then ensure you review your policy as some providers will limit the type of cover available for photography and video equipment. A specialist photographer insurance policy may make all the difference. Our policy is specifically designed for photographers, vloggers, drone enthusiasts and videographers. Alongside the main cover for theft or damage and personal accident cover, there are a range of additional cover options which allow you to customise your camera insurance policy even further.

Some of the areas we recommend you check:

• What is the maximum amount of cover available for equipment taken out of the home?
• Will your policy cover accidental damage or theft when you are out and about with your equipment?
• Is the claim excess high? A photoGuard policy has an excess of just £50.
• Does your home insurance cover you for travel both in the UK and abroad?
• Does your policy cover you if your camera kit is stolen from your vehicle or damaged?
• Is mechanical breakdown covered for equipment that is outside of its warranty?
• If you are using the equipment as a professional photographer (we define this as someone who earns more than 50% of their income from photography) you may not be able to claim.
• Mobile phones are excluded. For full exclusions please see our policy booklet

Policy cover	Select policy	PRO policy
Excess	£50	£50
Maximum total equipment value	£25,000	£50,000
Maximum single item limit	£10,000	£15,000
Mechanical breakdown cover	optional	optional
In-vehicle cover	optional	optional
UK cover - 20 days
EU cover - 30 days	optional	optional
Worldwide cover	optional	optional
Public liability (£1 million)	optional
Increased Public Liability option		£2 or £5 million
Associates liability cover*		optional
Personal accident	Optional £5,000 limit	£10,000 limit
Hire cover limit	£1,000	£2,000
Props cover
Accidental damage to portfolio
Professional indemnity	available	available

Do I need camera insurance?

In pursuit of that perfect shot you may find yourself travelling long distances, braving harsh weather or working in crowded spaces where theft or accidents are a concern. Did you know that if someone trips over your camera bag you could be found liable for any damages as a result? With a photoGuard Select policy you have the option to add public liability damage of up to £1M.

Does my home insurance cover camera equipment?

Home insurance often doesn’t give you the level of protection you may require as an amateur or professional photographer. Here are some of the areas we recommend you check:

• What is the maximum amount of cover available for equipment taken out of the home?
• Will your policy cover accidental damage or theft when you are out and about with your equipment?
• What is your home insurance claim excess? Our excess is only £50.
• Does home insurance cover you for travel both in the UK and abroad?
• Does your policy cover you if camera kit is stolen from your vehicle or damaged?
• Is mechanical breakdown covered for equipment that is outside of its warranty?
• Professional photographers (we define this as someone who earns more than 50% of their income from photography) may not be able to claim.

For peace of mind, get a quote to see how photoGuard can protect your camera equipment.

What type of photographer’s insurance do I need?

We offer two types of cover a Select and PRO policy that protects both amateurs and professionals. Professional photographers may have different needs to amateurs. If your livelihood depends on your camera gear, film equipment or drone, then enquire about our PRO Policy. It’s suitable for photographers who earn more than 50% of their income through photography or related activities (this excludes working in a photographic retail store) and especially photographers with high value equipment.

photoGuard PRO provides:

• Cover against theft and accidental damage up to £50,000
• Replacement on a new for old basis (vintage and rare items are covered by valuation - laptops are subject to depreciation)
• Hire cover until items are replaced or repaired (subject to an approved claim)
• Choice of area covered: from UK only, UK and EU with 30 days worldwide, or full worldwide
• Public liability £1m as standard - for active photographers
• Personal accident cover - up to £10,000
• Accidental damage to portfolio cover

photoGuard PRO options:

• In vehicle cover for items stolen from an unattended vehicle when items are placed out of view
• Associates cover - public liability cover for colleagues/assistants
• Public liability upgrade - increase your liability cover to £2 or £5 million

What does our photography insurance cover?

photoGuard pride ourselves on offering flexible cover options, allowing you to create the cover you want. You can cover up to £50K of photographic, film and drone equipment with only £50 excess per claim to pay in the unfortunate event of having to make a claim. There’s also a mechanical breakdown option for equipment outside of its warranty.

photoGuard Select insurance is suitable for:

Amateur or semi professional photographers who earn less than 50% of their income through photography or related activities.

photoGuard Select provides:

• Cover against theft and accidental damage up to £25,000
• Replacement on a new for old basis (vintage and rare items are covered by valuation - laptops are subject to depreciation)
• Hire cover until items are replaced or repaired (subject to an approved claim)
• Choice of area covered: from UK only, UK and EU with 30 days worldwide, or full worldwide

photoGuard Select options:

• In vehicle cover for items stolen from an unattended vehicle when items our placed out of view
• Public liability up to £1m - for social photographers
• Personal accident cover - up to £5,000