Get quotes from as many insurers as possible, to find the cover you need at the cheapest price.
Cameras and their accessories can be expensive to replace if they break or are stolen, so it is important to find an insurance policy that gives you the protection you need.
What cover do you need?
You can get the following types of cover for your camera:
Accidental damage, which covers the cost of repairing or replacing your camera if you or someone else break it accidentally. For example, you drop or spill liquid on it.
Breakdown, which covers your camera when it is no longer under warranty. It includes repairs and replacements if your camera stops working.
Theft, which covers your camera if you are burgled, or if you have it stolen from you when you are away from your home.
Loss, which covers accidentally losing your camera. You may need to pay extra to include loss cover, and claims where you have been careless will not be paid.
Worldwide cover, which covers your camera anywhere in the world for 90 days each year.
Most camera insurance policies also cover your accessories, including:
Dark room equipment
Check the maximum cover included on each policy to make sure you have the right level of replacement cover if you need a new camera.
What if you are a professional photographer?
Most insurers offer cover for amateur and professional photographers, and you can include extra cover if you use your camera for work:
Hire of equipment: This provides you with a replacement camera if yours is lost or damaged. For example, if you are due to shoot an event and your camera breaks.
Personal accident: This provides you with a fixed payment if you suffer an injury which results in your death or permanent disability, for example loss of a limb.
Public liability: This covers you if you injure anybody or damage their property because of your photography. For example, tripping over your camera equipment.