A simples guide

Camera insurance?

Here’s a question for you – will your current home contents or personal possessions insurance adequately cover the cost of your camera should you lose it? If your camera was to get damaged or stolen, could you afford to replace it yourself? 

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.

camera insurance cover

So what will I get with camera insurance?

Most insurers will have options for for personal possessions away from home cover on their contents insurance policies. By comparing the market with our quick and easy contents insurance comparison we can help you find the best deal that could mean:

- You’re covered in the event of theft or damage from an insurable event such as fire or flood

- You’re covered for accidental damage at home

- You’re covered for loss or damage outside your home

- Your equipment is covered on a new for old basis if it is damaged beyond repair

insurance for camera equipment

How much will my digital camera insurance cost?

How much you end up paying will be based on the policy options you choose. Contents insurance doesn’t have to be as expensive as your equipment.

It’s worth putting together a list of all your photography equipment. Be sure to include any props and accessories to find out exactly what you’ve got and how much it’s worth, it could tot up to more than you think.

Once you have a good idea of your camera equipment and house content’s worth you will be able to confidently complete a quote. 50% of customers could save up to £78.02**.

But don’t fret, we’ve got you covered. Just tell us what you need and we’ll do the searching for you – we do all the hard work, finding you the deals, so that you don’t have to making it easy for you to find the right deal.

**Based on Online independent research by Consumer Intelligence during February 2018 10% of customers could save up to 62.78% on their home insurance premium
camera in hands

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