Won’t my current home contents policy cover it?
Well, that depends on your policy. You may find that your contents insurance won’t cover the full cost of your gadgets – you’ll be surprised how much your equipment is worth, especially if you’ve got different lenses and special flashes. Everyone’s policy will differ, of course, but most policies will have a limit on how much you can claim. You also may not be covered if you take your camera out and about – which, let’s be honest, is the whole point of having a camera isn’t it?
While 60% of adults are quite happy to take a cheeky selfie with their smartphone, for many of us, a camera is an investment to be used on occasions when a smartphone just won’t do. Your trusty camera may well be languishing in its box somewhere only to be dusted off when it comes to recording treasured memories like weddings, the birth of your baby or grandchild and graduations. But if something were to happen to your camera, could you afford to be without it?
To put things into perspective, here are some questions you might want to ask of your existing contents policy:
- Is your equipment covered for accidental damage?
- Is your camera covered if it’s stolen?
- Is your camera covered if it’s lost?
If your answers are no, no and no and you’re a keen amateur photographer, then you might need to brush up on the best way to insure your photography equipment.