Photography & Camera Equipment Insurance

Tailored camera and photographic equipment cover for multimedia businesses, professionals and camera enthusiasts. Add more cover options to your policy if you choose to develop your camera passion into a photography career.

About Photography and Camera Equipment Insurance

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Global insurance for photography equipment

Worldwide cover available for a wide range of camera, photography and videography equipment.

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Short-term and annual video cover

Short-term and annual options for hired and owned video equipment.

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Public and employer's liability insurance

Our camera equipment cover includes public and employer's liability.

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Pay by Direct Debit

You can choose to split your payment into 10 monthly instalments.

Features of Photography and Camera Equipment Insurance

Standard cover

New for old camera and photography equipment cover

All our camera and photography equipment policies insure on a new for old basis, so if you lose or damage beyond repair your lenses, camera, tripod, lights, etc, they can be replaced with a brand-new equivalent model. Bear this in mind when you get your quote, as you’ll need to give us the value of equivalent camera equipment models as new to ensure you have enough to cover a replacement if needed.

Cover for unexplained theft of camera and photography equipment

We provide comprehensive insurance for unexplained theft of photography and camera equipment, including cameras, tripods, lenses and lights. This includes items being stolen from your work premises, your home address, unattended vehicles and storage units.

Photography and camera equipment insurance for travel

Our policies cover your photography and camera equipment insurance away from your home or work address on location. Cover can be extended to include your travels either in Europe or on a worldwide basis. If European or worldwide cover is selected, travel cover is unlimited; however, a maximum limit of 90 days in any one trip is applicable.

Short-term and annual camera and photography equipment insurance

We offer annual policies for equipment you own or are using on a regular basis, but we can also offer short-term hire camera and photography equipment insurance for one-off events or video shoots.

Photography and Camera Equipment Insurance FAQs

Question

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

Answer

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.

Question

How do I keep my insurance costs down?

Answer

The biggest influence on your insurance costs is your claims history. By taking actions that will reduce the likelihood of accidents, and hence claims, you will build a more attractive profile to insurers. As your no-claims history develops, this will help to positively impact your insurance premiums. This will ultimately free up capital that can be reinvested elsewhere in your business.

Question

Is my photography and camera equipment covered abroad?

Answer

We have a variety of photography and camera equipment insurance covers available to suit your travel arrangements, from UK cover, to UK and European cover, and worldwide travel. The length of your trip may be limited subject to insurers' terms so if you have any queries in respect of cover abroad please contact us.

If you have any queries in respect of cover abroad, please contact us.

Question

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

Answer

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.

Question

Is my photography and camera equipment covered in the hold of an aircraft?

Answer

The Towergate Camerasure policy will extend to cover photography and camera equipment within the hold of an aircraft subject to the equipment being in a locked Peli Case or similar protective casing.

Other policies we provide may restrict this, so it is best to call and check. 

Question

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

Answer

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

Call us to find out which policies we can provide to cover this.

Question

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

Answer

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.

Question

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

Answer

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

Question

Do you cover hired-in photography and camera equipment?

Answer

We can cover this – you will need to let us know so we can endorse your policy. This can be done on a short-term basis or on an annual policy depending on how often you are hiring kit.

Question

Can I pay in instalments?

Answer

If you would prefer to spread the cost of your photography and camera equipment insurance policy, you have the option of setting up a Direct Debit to pay your premium by monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Call the claims team

on 01489 770325 and explain exactly what happened

3.

Provide photos if requested

to help us understand what happened as quickly as we can

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