Photography & Camera Equipment Insurance

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 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.

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.

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.

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. 

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.

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.

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

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.

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.