It’s something that some of us don’t consider. What if something goes wrong and our camera equipment isn’t properly insured?
When we buy a new camera or new lens, there are plenty of things we do right away. Go out and take test shots to make sure it’s performing properly, buy a new memory card to shoot with, book a model or a studio to create some great images… but making sure that our insurance policy is up to date is rarely at the top of that list.
With the summer season upon us, it’s the time of year when we start taking our kit with us when we travel – whether it’s across the country, as we try to squeeze in a shoot when we visit friends, or across the globe, as we go on family vacations.
So now might be the perfect time to check: is your gear insured at all? Is it covered when it leaves the house, or only when it’s at home? How about overseas – is your kit covered when it leaves the country?
It’s always a good idea to check that your home insurance policy does what you want it to. You might find that taking out a bespoke camera insurance policy could mean your equipment can be properly protected.
Companies like The Insurance Emporium offer dedicated camera insurance that covers theft, accidental damage and more – and provides protection whether you’re an amateur, professional or anywhere in-between.
Specialised camera equipment protection
Let’s take a look at the benefits offered by The Insurance Emporium.
For the Amateur & Semi-Professional policy, coverage includes:
• Theft, loss, or accidental damage
• New for old (up to 4 years from the date of manufacture)
• Loss, theft or accidental damage from an unattended vehicle
• Worldwide cover (up to 45 days per occasion)
• Replacement hire
• Payment for data recovery specialist
• Public liability
• Personal accident
If you’re a pro and at least 50% of your earnings come from your photography, then the Professional policy offers all the above in addition to:
• Accidental portfolio damage
• Props
• Professional indemnity
Both options offer additional options to cover your wider photographic and video equipment. This includes optional benefits for gadgets and mobile phones; helmet, sports and action cameras; waterproof photographic equipment; new for old for life (beyond the standard 4 years from the date of manufacture); and extended worldwide cover if you’re likely to take your equipment abroad for longer.
Accidental damage to portfolio can also be added to an Amateur & Semi-Professional policy, while the Professional Policy can be upgraded to include extended professional indemnity, extended public liability and associates liability.
Don't chance it!
Sorting your insurance may not be as exciting as sorting your kit bag ahead of your trip, but it should be considered if you’re planning to travel with your camera.
Find out why they say "Good things happen in The Insurance Emporium", when you can save up to 30%* on new camera insurance policies, including a 25% introductory discount and a further 5% discount with the special promo code "DIGICAM".
Get in touch now to get a quote for protecting your investment, by visiting The Insurance Emporium website or calling 03300 244 062.
*The Introductory and Promo Code Discounts are available from the start of the policy until its first review / renewal date. Promo code offer ends 31/12/2024 and is not available in conjunction with any other promo code.
The Insurance Emporium offers a variety of cover levels, so please check the policy cover suits your needs before purchasing. For your protection, please ensure you read the Insurance Product Information Document (IPID) and policy wording, for information on policy exclusions and limitations.
Lifestyle Policy Limited is an appointed representative of The Equine and Livestock Insurance Company Limited. The Insurance Emporium ® is a trading name of The Equine and Livestock Insurance Company Limited (registered in England and Wales no: 294940) which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority no: 202748.
