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What does camera insurance 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 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.
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 £5000 in total so make sure you check your policy wording for details or ask one of the team.
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 equipment but if your passion for photography grows you might want to add more cover for extras like business interruption, liability and hired 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.
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 holiday, 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.
Not sure which policy you need? We like to keep things simple so the table below shows the options available on each policy:
|All risks cover for photographic and computer equipment||•||•||•|
|New for old||•||•||•|
|Theft from an unattended vehicle||•||•||•|
|45 days worldwide cover||•||•||•|
|Public liability available||•||•|
|Portfolio and stock cover available||•|
|Transparencies, Prints and Negatives||•|
|Mobile Phone Cover and Buildings Cover||•||Damage Resulting in Reshoot Costs (Limited to £20,000)||•||Reinstatement of Data (Limited to £2,500)||•|
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
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.
Call us as soon as you can on:
If you are calling from the Republic of Ireland, please call 00 44 1489 770 325
Never fear, we have a 24 hour emergency telephone number so you can still speak to a friendly advisor about your claim.
Please quote the Camerasure scheme reference number - 23822800CHC
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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. Don’t forget, if you are VAT registered you can deduct this element from your total value.
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, and this can be good business practice to make sure that your sum insured is always adequate.
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.
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.
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.
You can get cover if you are a resident of:
• United Kingdom
• Northern Ireland
• Isle of Man
• Channel Islands
• Eire (Professional/Professional indemnity and Semi-professional policies only)
Just remember that all sales for the Isle of Man, Channel Islands & Eire 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.
Yes, Towergate photography insurance excesses vary but full details can be found on your policy documents or you can contact one of the team.