Is my photographic equipment covered for Accidental Loss or Damage?
Yes, we will at our discretion replace or repair the item, or replace the relevant parts, or if beyond economical repair, replace the item (or pay the cost of replacement) with an item of similar Value, function and quality.
In the event that my equipment is lost, damaged or stolen can I hire alternative equipment until a repair or replacement is provided?
We will at our discretion pay for the hire of alternative equipment following a claim whilst we repair or replace an Insured Item.
If I suffer an Accident whilst using my Insured Items which causes my death or a serious injury will I receive any benefit?
We will at our discretion pay the relevant amount shown below if you suffer an Accident whilst using your Insured Items which causes your death, Loss of Limb, Loss of Sight or Permanent Total Disablement.
- Loss of Limb - £2500
- Loss of Sight - £2500
- Permanent Total Disablement - £5000
- Death - £5000
Is public liability included?
£1, £2 or £5 million public liability cover can be added to your camera insurance as an optional upgrade. Public liability cover gives you financial protection against claims made against you by third parties if they are injured in an accident or their property is accidentally damaged during your use of the insured items.
Can I insure my camera equipment for an overseas holiday and, if so, what is available and how does this operate?
Yes, when purchasing the policy you can select Worldwide cover up to either 30, 60, 90 or 120 days per trip. Please take note of the security requirements applicable to your policy.
This is now a multi-trip policy, therefore you may have as many trips as you like as long as none of the trips exceed either 30, 60, 90 or 120 days (dependent upon the premium paid). For example if you purchase a policy with Worldwide cover (up to 30 days), you could theoretically have ten 30 day trips overseas with your camera equipment. For policies purchased after 11/09/2014 you no longer need to notify us of travel. Proof of travel may be required in the event of a claim.
Please be aware that we will NOT provide cover where the Foreign Office has advised against all travel, or all but essential travel, to (or to part of) any of your destinations. A list of these countries can be seen on the Foreign Office Website www.fco.gov.uk.
Are there any minimum security requirements for the Insured Location, whilst away from the Insured Location or whilst my camera equipment is in an Unattended vehicle?
Yes, there are minimum security requirements at all times. Please refer to the policy wording, or use the quick links under 'Important Information' on the right of this page.
Is this cover suitable for a professional photographer?
Yes, this cover is designed for both amateur and professional photographers.
What value should I insure my equipment for?
You should insure your equipment for the current UK replacement value from a reputable supplier at the time of applying for cover.
For items that have recently become unavailable you should insure your item for the amount that that it would cost to replace with the nearest available item.
For vintage equipment, you should get a current valuation to determine the value to use.
What is the maximum total value of camera equipment that you can insure?
We can insure up to a maximum total value of £50,000 of equipment. However, should you have equipment valued at more than this then please call us to discuss.
Is there an excess if I claim?
Yes, although this may vary depending on the policy section you are claiming under. Please refer to your policy documentation for more details.
Alternatively, for new policies these are outlined on our home page’s Cover Summary.
Am I covered if I lend my equipment to someone else?
Yes, subject to certain terms and conditions Please refer to the policy wording, or use the quick links under 'Important Information' on the right of this page.
Do you only cover UK residents?
Yes, you must be a UK resident to be covered. Residents of the Isle of Man and Channel Islands may NOT purchase our policy.
Can you insure my laptop?
Yes, if the laptop is used primarily in conjunction with your camera equipment. Please refer to the policy documentation for more details.
Is there any camera equipment you cannot cover?
Consumable items such as batteries, leads, cables, bulbs, fuses, film, discs or software cannot be covered, and mobile phones, smart phones and tablet computers are excluded.
Are there any activities which would be excluded or which will invalidate my insurance?
Yes, Damage or injury whilst You are taking part in airborne activities (other than as a passenger in a commercially licensed aircraft),
caving, potholing, mountaineering, rock climbing, motor sports, stunt work, underwater activities, water sports or naval, military or
air force service operations, unless We have provided prior approval to You in writing.
Are items which I hire or borrow included in my cover?
No, only items which you own are covered and, if over the value of £2000, listed as specified items.
Can you insure photographic studios?
Our cover does not insure photographic studios, but the policy would cover your equipment when stored inside a studio, subject to certain terms and conditions. Please refer to the policy wording, or use the quick links under 'Important Information' on the right of this page.
Are there any maximum age limits for my equipment?
No, but vintage items will need to have been valued within the last 12 months preceding the commencement date of the policy. This is detailed within the policy documentation.
How do I make a claim?
Please visit our Make a Claim page (using the link at the top of this website )for full information on the claims process
Do I need a receipt for my equipment?
You will need to provide proof of ownership for each item of your equipment if you make a claim. This helps to speed up the claim process. Please refer to the policy wording, or use the quick links under 'Important Information' on the right of this page.
Can I make a claim immediately?
Yes, the claims process is detailed within the policy documentation.
What is a 'Specified Item'?
A specified item is any individual piece of equipment valued at over £2000 and listed on your schedule of specified items. For any items that are not specified on your policy, the maximum claim limit for that item is £2000. All Drones must be named as Specified Items.
Can you cover an iPad?
Unfortunately we can only cover laptops, not any form of tablet computer. Laptops are only covered if they are primarily used in conjunction with photography.
What type of items can you cover?
We can cover photographic equipment belonging to You or for which You are responsible including cameras,camera backs, bodies, plates, lenses, filters, light meters, stands and tripods, cases, portable lighting, video and audio equipment.
This includes camera accessories such as adapters, battery chargers, carrying cases, binoculars, telescopes and wireless remote
controllers and transmitters but not consumable items such as batteries, leads, cables, bulbs, fuses, film, discs or software.
Laptops can be covered if they are primarily used in conjunction with such photographic equipment Please note that any individual item with a value of over £2000 or any drone must be specified.
What is the maximum value of individual photographic equipment items that you can insure?
We can insure individual photographic equipment up to a maximum value of £15,000 per item. Should you have single items of equipment valued at more than this, please call us to discuss.
Can I cover my mobile phone under this policy?
No, mobile phones, smart phones and tablet computers are excluded
Are my items covered in a campervan/motorhome?
The Eversure policy classes a campervan/motorhome as a vehicle, so providing you meet the vehicle security requirements of the policy you will be covered.
I want to cover my Canon Camera and Lens, can you cover this?
Yes, we can cover any make or model of camera such as Nikon, Canon, Kodak, Pentax, Olympus, Sony and many more, providing the equipment meets the definition of photographic equipment as defined in the policy wording.
Is my Camera Equipment insured against theft or damage when I go out and I leave the insured Camera Equipment at the Insured Location (usually the home)?
Yes, as long as the insured location is not left Unoccupied for 90 consecutive days or more and the policy Security Requirements have been met.
I wish to add/remove/change my specified items. How do I do this?
If you wish to make any changes then please Contact Us and let us know which items needs adding or removing. When contacting us please provide the Make, Model, Value and Serial Number (if known).
Do you cover camera equipment whilst I am staying in a hotel?
Cover is provided when equipment is stored in a locked room (e.g. hotel) and when available, any security devices are in operation.
Do you cover theft from luggage when travelling by aircraft?
Our policy will only cover theft of items during a flight if they are in your carry-on luggage and therefore under your supervision. Items entrusted to the airline as checked in luggage for transport in the hold are not covered for theft or loss, but will be covered for accidental damage if they are in a purpose made equipment case.
If you cannot take your equipment as carry-on luggage, the airline you are travelling with may be able to offer an increased carry on limit or an upgraded cover for theft of valuable items from checked in baggage by your paying a supplementary fee. You will, however, need to discuss these options with the airline.
Do you insure drones/UAV’s?
We do, if the drone/UAV is used for leisure use only then you can simply insure this as a specified item on our camera policy. This policy will exclude the following;
- Accidental loss or damage as a result of Flyaway
- Hiring costs to replace a drone
- Personal Accident whilst operating a drone
- Public Liability
- Professional Indemnity
- Racing a drone
- Any claim if the drone is being operated outside of the legal requirements and guidelines set by the CAA (Civil Aviation Authority)
What is Flyaway?
Flyaway is an interruption or loss of the control link, or when You are unable to effect control of the Drone and, as a result, the Drone is not operating in a predictable or planned manner.