Camera Insurance

Tailored camera insurance for hobbyist photographers.

  • Chat to our friendly and knowledgeable team, they are experts in the industry
  • We’re proud of our fast and efficient claims service
  • You’ll have options to add more cover if you choose to develop your passion into a career

Start your camera insurance quote online

Get a Quote

Call our camera insurance team for a quote

01489 770340
0344 892 1636

Weekdays 9am - 5.30pm
Can’t get through right now? Request a callback

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What does camera insurance cover?

New for old camera equipment cover

All policies we provide will insure your equipment on a new for old basis. So if you were to lose or damage beyond repair your lenses, camera or other equipment, they can be replaced with a brand new equivalent model. It’s important to bear this in mind when you get your quote with us, you’ll need to give us the values of equivalent models as new for both your camera and any equipment to ensure you have enough to cover a replacement if needed.

Cover for equipment stored in vehicles

It’s likely you’ll be travelling with your camera so you can take the opportunity to capture some awesome shots. That’s why all of our policies include cover for your camera and accompanying equipment whilst stored in a vehicle. There are certain security requirements if your equipment is worth more than £5,000 in total so make sure you check your policy wording for details or ask one of the team.

Build your policy around what you do

There are a whole host of different risks we can cover for you depending on the level you’re at as a photographer. If you’re just starting out you might find you just need cover for your camera equipment but if your passion for photography grows you might want to add more cover for extra equipment. If so, all you need to do is call us and we’ll update your policy accordingly. Changes to your policy may alter your premium and just remember there may be a fee for adjustments.

Camera cover while you travel

All of our policies include the option for you to insure your equipment while you travel. So as long as you don't exceed 45 days in any one trip, you just need to check your documents to make sure the country you're travelling to is included in the terms of your policy. Alternatively, you can ring the team to be 100% sure.

Camera Insurance Claims

Our claims are handled by one of our specialist multimedia insurance team, not another company. The team’s combined knowledge of photography equipment and the multimedia industry mean that with us, you’re in safe hands.

If something happens and you are unsure if a claim might arise, please don’t hesitate to get in contact anyway. We’re here to help and can discuss the circumstances without prejudicing your policy. Our aim is either to put your mind at rest or advise on the next steps you should take.

Please keep all information relevant to the claim; this will help us to handle your claim as efficiently as possible. Remember; do not admit liability until you have spoken with us.

I need to claim

Call us as soon as you can on:

01489 770 325

If you are calling from the Republic of Ireland, please call 0044 1489 770 325

Please quote the Camerasure scheme reference number - 23822800CHC

Camera Insurance Articles & Guides

You may be interesting in the following articles:

Hobby To Career

insurance guide

Turning Your Hobby into a Career

Almost two in five employees (39%) are so fed up at work that they’re thinking of leaving their job to start their own business. Research from Towergate Insurance reveals that men are currently more willing to take the plunge and start a new venture, with 44% considering starting up their own business, compared to 34% of women.

Cognitive Biases

infographic

Cognitive Biases

We make thousands of decisions every day - Many of which affect our businesses. But what makes us choose a particular path? Our infographic runs down some of the factors which influence our daily decisions and how to avoid falling into their traps and making bad decisions.

Camera Insurance FAQs

How do I know the value of equipment I want to insure?

We replace your items on a new for old basis so; in the unfortunate event of a total loss you get the latest equivalent model as a replacement. By checking how much an equivalent replacement costs in the market today, you will get a good idea of the value you should insure your own equipment for.

Do I need to provide you with a list of my equipment?

The answer is no provided you have receipts and invoices for your equipment in the event of a claim. If you are concerned that you may not have these then please supply an equipment list, to make sure that your sum insured is adequate.

Is my equipment covered in the hold of an aircraft?

Yes, full cover is extended to equipment within the hold of an aircraft subject to the equipment being in a locked Peli Case or similar protective casing.

Is my equipment covered if I am distracted and it is stolen?

Yes, Towergate policies provide cover for 'open theft' and this would include opportunist. This means we do not require signs of forcible or violent, entry or exit for the theft cover to be in force.

Under my previous insurance I made a claim, will this affect my cover?

We only need to know about claims you have made in the last five years. Each claim is considered on an individual basis and though some may have no effect on your policy, others might. Just make sure you let us know and we will talk you through it, failure to disclose a claim can invalidate your cover.

Do you only cover UK residents?

You can get cover as an amateur photographer if you are a resident of:

  • United Kingdom
  • Northern Ireland
  • Isle of Man
  • Channel Islands

Just remember that all sales for the Isle of Man and the Channel Islands will be on a non-advised basis. This means that we will not give you a specific recommendation as to which policy you should buy however, we will provide you with information to help you decide which policy is best for you.

Do I have to pay an excess in the event of a claim?

Yes, Towergate photography insurance excesses vary but full details can be found on your policy documents or you can contact one of the team.

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