Camera insurance

Discover how camera insurance works, what you can expect to be covered for and how to find the best policy.

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Camera insurance covers the cost of repairing or replacing your camera. This includes DSLR cameras, SLR cameras, action cameras and camcorders.

You can choose to insure your camera using gadget insurance. However, there are some insurance policies related specifically to cameras that provide more comprehensive protection.

We’ve looked at the different options available and the cover they include.

PhotoGuard Insurance

Insurance for cameras, lenses & equipment

  • Cover in the UK and 30 days worldwide
  • Up to £2,000 equipment hire
  • New for old cover on your camera and kit

What does camera insurance cover?

You can expect your camera insurance to cover the cost of repairing or replacing your camera in the following circumstances:

  • Accidental damage. This includes cracked lenses, cracked screen, liquid damage or any other form of damage caused unintentionally.
  • Mechanical breakdown. Your insurance will cover any malfunctions that occur due to no fault of your own, provided this isn’t already covered by the warranty.
  • Theft/loss. If your camera is lost or stolen, your insurer will cover the cost of replacing it, provided you are deemed to have taken reasonable care to protect it.
  • Accessory cover. Some policies will also cover the cost of repairing or replacing accessories damaged or lost at the same time as the camera, such as lenses or tripods.

    What doesn’t it cover?

    Here are some scenarios where you’re unlikely to be covered by your camera insurance:

    • You fail to take “reasonable care” of your camera. If you are deemed to have been too careless with your device, your insurer will reject your claim. Insurers will list various examples of scenarios where reasonable care isn’t taken in their terms and conditions.
    • Deliberate damage. If you damage your camera deliberately, your claim will be rejected.
    • Cosmetic damage. If you make a claim to repair damage that doesn’t seriously affect your ability to use the camera, it’s likely to be rejected.
    • Leaving your camera unattended. If your camera is damaged, lost or stolen while outside your line of sight, your claim will be rejected.
    • Claims without proof of purchase. You’ll need to provide a receipt, proving you owned the camera and how much it cost you.
    • Old cameras. Some insurers won’t insure cameras that are older than 12 months. Others extend this limit up to 36 months.
    • Second-hand camera. Few insurers will cover cameras that weren’t bought directly from a retailer or the camera’s manufacturer.
    • Loss or theft claims without a crime reference number. You’ll need to provide this in order for your claim to be processed.

    Do I need camera insurance?

    Some of the most powerful cameras are incredibly expensive – and accidents happen. If you’re not prepared to shell out big money to repair or replace your camera after an accident, you’ll need to insure it.

    Yes, you’ll have to pay a small monthly premium, but this allows you to use your camera with the peace of mind of knowing you’re covered if the worst should happen.

    With that said, if you own a reasonably-priced camera which you’re not using so often, you might prefer to avoid having to pay monthly premiums to insure it.

    What type of camera insurance do you need?

    Basic camera insurance is fine for hobbyists.

    However, if you’re a professional photographer, you’ll need to upgrade to a higher level of cover for professionals. This will include public liability insurance and professional indemnity insurance.

    Camera insurance for travel

    You’ll need to double-check what cover is offered for your camera while you’re overseas.

    Most insurers will offer you protection only in certain regions, or for a specific number of trips, or number of days per year. This might only be available as a paid add-on.

    Make sure to choose an insurance policy that provides an adequate amount of overseas cover, or you could find yourself shelling out if something untoward happens to your device in a foreign country.

    Alternatively, you can cover your camera with travel insurance whenever you go overseas.

    The bottom line

    When you’re out taking photos, you probably don’t want to have to worry about covering the cost of damage to your camera. Camera insurance can alleviate these worries for a few pounds per month.

    Frequently asked questions

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