Students

Insurance designed to suit your needs

Key features


So you’re starting a rewarding career involving photography? As a student, insurance might not be the most exciting subject but as you improve your skills and start to purchase more and more equipment there will come a time when you realise that any kind of theft or loss could hit you hard.

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Public Liability

Accidents can happen, especially if you’re out in public. That’s why we will protect you against third party damage or injury claims.

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Equipment Cover

Our insurance is designed for your camera equipment. That's why we can cover against theft, accidental damage, vandalism and even damage caused by flooding. Security requirements apply.

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In-Vehicle Cover

We know theft is an issue and you may want to cover photography equipment which is stored in the car. Our In-Vehicle Cover is automatically included. Storage and vehicle security requirements apply.

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Equipment Hire

Making a claim with us and still need a hire camera? It’s covered as part of our claims service. Up to £2,000 equipment hire available if you need it.

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Amateurs & Professionals

Whether photography is your hobby or your profession, we understand people who love photography need a policy that is as serious about it as they are.

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Lend to a Friend

Letting a trusted friend borrow your camera? Don’t worry, you’ll still be protected should something happen while someone else uses it.


Our optional extras


Want even more from your cover? If you’ve got projects lined up abroad, or if you need extra reassurance when you’re working closer to home, our extended covers might be just what you need. You can choose to protect your gear wherever you roam, or extend your cover against liability claims in case something goes wrong.

Worldwide camera insurance

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.

 

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Extended liability

£5m Public Liability

Extend your Public Liability cover and get protection for you and those who assist you in photography or filming against third-party damage or injury claims of up to £5million.

 

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Mechanical Breakdown

It’s frustrating if your camera breaks down outside its warranty. Our extended Mechanical Breakdown option will cover faulty kit that's up to 5 years old.


What does camera insurance cover?


Want to find out even more about our cover? If you're wondering about what's included in your camera insurance then we've answered a few questions for you below.

Can you get camera insurance as a student?

Yes. With our cover we can provide insurance to student photographers and videographers.

What is the minimum age to get camera insurance?

The minimum age that we can insure is 18. For an additional premium you may choose to extend your policy to include Public Liability and/or Personal Accident cover. This cover will only apply to anyone aged 16 or over at the time of any incident, and total permanent disablement cover is only available for anyone aged 65 or under.

Can I get camera insurance for travelling abroad?

We can provide camera insurance if you're travelling abroad, but this depends on the options you choose. Included as standard with your policy, you are covered 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.

What value should I insure my camera equipment for?

If you're looking into camera insurance, then 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 retailer at the time you apply.

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.

Does my camera insurance cover me if I'm flying abroad?

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.

If I choose the Mechanical Breakdown option, is all of my equipment covered?

Our Mechanical Breakdown provides cover for items purchased from new up to 5 years ago. We will only cover items that you select during the quote process, so you won't have to pay for items you don't want covered.

Camera insurance and theft: are there any security requirements for my vehicle or where the equipment is kept?

If you fall victim to theft of your camera or photography equipment, then the following security requirements apply:

Requirements: 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.

Requirements: In-Vehicle Cover

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.

Accidental damage that occurs in a vehicle is only covered if the insured item is in a purpose-designed equipment case.

Can I get insurance for my drone or UAV?

Yes, we can insure drones/UAV's, as 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 of the United Kingdom government and any Civil Aviation Authority guidelines.
  • 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.