Camera Insurance from Eversure

Protecting your camera and equipment all around the world

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Specialist cover for Photographers and Videographers

Camera insurance from Eversure is designed to give you security and flexibility meaning you can focus on taking great photos. Whether you've just bought your very first DSLR or you were born with a Leica in your hand, we've got cover to suit everyone's needs.

That's where we come in.

With a comprehensive range of cover levels and underwritten by Ageas, you'll know that your equipment will be in safe hands.

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Wide Cover Options
Theft & Accidental damage

When you insure your photography kit with Eversure, theft and accidental damage is covered as standard

Professionals and Amateurs

Our policy is suitable for all types of photographers, so if photography is just a passion or its your career then we can still protect you

New for old

If you have owned your equipment from new and its damaged or stolen and needs replacing, our insurance policy will pay out or replace it with new kit of equivalent value

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Why choose Eversure?
Premiums from as little as £19.99
133,000 customers trust us
Insured in just a few minutes
Why do I need Camera Insurance?

With photos to take and potential deadlines to meet, the last thing you want to be doing is worrying about what happens if you drop, lose or damage your camera equipment. With camera insurance from Eversure, we can help keep your stress levels low so you can focus on what's important.

It isn't a legal requirement to have camera insurance, though if you're a professional, you may be required to have public liability insurance in place for certain shoots, mostly ones in public places or certain high-profile venues.

Our insurance policies offer public liability as an optional extra from just £15 annually. Make sure you select this option when you're purchasing if you think you'll need it.

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What is Camera Insurance?

Camera insurance is cover designed to protect your camera and equipment from certain unforeseeable incidents such as accidental damage, theft and loss.

You can benefit from cover in various locations, including both public and private property and should you wish, you can select worldwide cover to be insured around the globe.

  • Worldwide cover

    Are you a frequent traveller?

    Our camera insurance has a variety of worldwide options to choose from. You’ll be covered for unlimited trips, just select your maximum trip length of either 30, 60, 90 or 120 days.

  • Accidental Loss

    Want to cover all bases?

    Add Accidental Loss to your policy, this covers an unexpected loss of your equipment, so long as its not just been left unattended.

  • Public liability

    Are You a Professional Photographer?

    Public Liability Insurance may be important for you. If you have an accident with your equipment that causes injury or damage to a third party’s property, you’ll be covered if you choose this option.

  • Professional indemnity

    Want to protect the integrity of your work?

    If a client is unhappy with what you’ve produced, professional indemnity cover can help cover the legal costs involved with a dispute.

  • Employer's liability

    Not working alone?

    Employer’s Liability is a legal requirement for businesses with staff and helps protect you should a member of your team get injured.

  • Studio cover

    Do you work out of your own Studio?

    You won’t have to buy several policies to benefit from studio cover. Choosing this option for your policy will insure your studio furniture and equipment from theft and accidental damage.

  • Hired equipment

    Do you ever need to hire equipment for shoots?

    Choose this optional extra and your hired equipment will be insured for accidental damage and theft.

  • Mobile phones & tablets

    Work on the move?

    If your phone or tablet (up to 3 years old) is accidentally damaged or stolen, your policy can include cover to fix or replace it.

  • Portfolio cover

    Want protection for the finished article?

    If your prints, canvases or laminates are accidentally damaged or taken, the option of portfolio cover protects you against the cost of labour and materials to replace them.

  • Flexible excess

    Looking for a higher excess with a cheaper policy?

    Our flexible cover means you can choose your own excess amount. If you choose to want more than our standard £100 excess, then the cost of your policy will be discounted.

  • Theft from a vehicle

    Ever have to leave your equipment in your car?

    Our policy will cover your camera and equipment if it’s stolen, as long as it was in a secure and locked part of the car. If it’s in a glove box or a locked boot and out of sight, that would be fine.

  • Drone cover

    Do you have a drone?

    If you’re an amateur drone enthusiast then our cover is perfect for you, it’ll be insured for accidental damage and theft. Sadly, we can't offer cover for commercial use, public liability, professional indemnity or loss (including fly-away).

  • Legal expenses

    Looking for more protection for your business?

    For a whole host of cover including: personal injury, damage to photographic equipment, trespass, contractual disputes, employment defence, tax investigation and copyright infringements, Our legal expenses cover will protect for claims against several allegations should you require legal aid.

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Documentation
Important Information
Important Information Eversure Photography Insurance is underwritten by Ageas
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FAQs
What is covered?
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Our cover explained
  • What's the maximum value of equipment I can insure?

    The standard limit of photography equipment on our policy is £100,000, however if you have more equipment than this, please give us a call.

  • What do you accept as proof of ownership?

    Evidence of Ownership is one or all of the following:

    •  an original receipt, invoice or credit agreement showing the item, amount paid, date of purchase and, if available, the retailer’s details. Where the item comprises a Mobile Phone this must also show the make and model and, if capable of connecting to a mobile network, the IMEI number
    • a date and timestamped photograph of the item (showing serial numbers where possible) with the owner’s driving licence or passport included in the photograph
    • a valuation or repair invoice, no more than 3 years old, from a reputable dealer/repairer showing the item make and model

  • What is a 'Specified Item'?

    We require you to specify the following equipment on your policy;

    • Drone/UAV
    • Any computers or laptops.
    • Individual Items of equipment over £2,000

    If you have any of these items but fail to specify them, they will not be insured.

  • Security Requirements

    The following security requirements need to be followed for theft of your photography equipment to be included;

     

    At the Insured Location:

    • All easily accessible external doors, windows or other openings are securely locked (or fixed permanently shut on the inside) and any security devices are set and operational
    • The Insured Items must be stored within the main building at the Insured Location, which must be of standard construction
    • For Sums Insured exceeding £20,000 a National Security Inspectorate approved and maintained alarm is also required, which must be activated in addition to the above requirements

     

    Away from the Insured Location:

    • The Insured Items must not be left Unattended at any time unless inside a locked room or locked cupboard and any security devices are in operation

     

    Unattended Vehicle:

    • The vehicle is securely locked at all points of access with all keys removed from the vehicle and all doors, windows and other openings fully closed
    • The vehicle must a factory / Professionally fitted alarm, which is set and operational
    • There must be evidence of forcible and/or violent entry to and/or exit from the vehicle
    • The Insured Items must be stored in a Locked Luggage Compartment, out of sight
    • When parked at the Insured Location, the Insured Items must be removed from the vehicle and stored within the Insured Location

  • How do I work out the value of my kit?

    In order to ensure that your item is insured for the correct amount, please observe the following:

     

    For items purchased new

    • Insure the item for the current usual, undiscounted, UK retail price.

    For used or pre-owned items purchase by you

    • The current market price of an equivalent item taking into account age and condition

     

    1. If you purchased a kit (for example a camera body and lens together), you must insure each part of that kit for the current usual, undiscounted, UK retail price as individual items.

    2. If the item is no longer available, insure the item for the nearest available item and keep a copy of your rationale for the higher price.

    3. If the item is vintage, obtain a valuation or repair invoice, no more than 3 years old, from a reputable dealer/repairer showing the item make and model.

    4. If you bought your equipment outside the UK, that's fine, but you need to insure it for the UK value of replacement.

    5. If you under-insure the item, you will only receive the amount that you have insured the item for, less the applicable excess.

     

    You should review the value of the Insured Items regularly to ensure Your sums insured are sufficient and renew valuations for rare or vintage items at least every 3 years thereafter.

  • Where does the Worldwide cover me?

    Any country or region other than those where the Foreign Office has advised against all travel or all but essential travel. (For a complete list please refer to the Foreign Office website www.fco.gov.uk.)

  • Can I insure my laptop and mobile phone?

    Yes, if your laptop is primarily used in conjunction with photo/video editing/processing then this can be included, just list it as a specified item when requested in the journey.

    We can also offer cover for mobile phones and tablet computers for professional and semi-professional photographers.

  • Can I insure my photography kit I have purchased abroad?

    Yes, if you bought your equipment outside the UK, that’s fine, you just need to insure it for the current, undiscounted, UK retail price as individual items.

  • What is Professional Indemnity and do you offer this?

    Yes, we can include Professional Indemnity cover, this covers costs which you may become legally liable to pay as a result of negligent services or advice provided by your business.  We offer two options, either £75,000 or £150,000.

  • Do you provide an Invoice/Receipt?

    We don't include a separate receipt or invoice. The price breakdown is included in the certificate of insurance. Your accountant should accept this as a valid receipt.

    Quite often we get asked for 'VAT Invoices'. There is no VAT on insurance, instead you pay Insurance Premium Tax which unfortunately is not reclaimable from HMRC.

  • What is the minimum age to purchase a policy?

    You will need to be 18 years old and over to purchase a Photography insurance policy.

  • I want short-term cover for my photography equipment, can you offer this?

    No, unfortunately we only provide annual policies.

  • What are the payment options for my Photography Insurance?

    You can pay for your policy in full by using any UK credit or debit card, including American Express.

    If your policy is valued at over £120.00, we offer the facility to pay in instalments via our finance provider; Premium Credit Limited.

     

    When purchasing, you will pay a deposit to Eversure.  Your remaining payments will be collected by Premium Credit Limited, and your first monthly repayment will be collected one month after the start date of your policy.

     

    You will receive a welcome pack from Premium Credit Limited by email within 14 days, which will include a repayment schedule.  Please read it carefully and sign the Credit Agreement as soon as possible.  A £10 charge may be incurred if you fail to sign the credit agreement.

     

    If you change your mind you can cancel the credit agreement free of charge within 14 days of purchase, you will have to make alternative arrangements to pay the balance of your insurance policy.

     

  • Can I add or remove equipment from my policy?

    Yes, if you'd like to add or remove equipment or change anything else on your policy, you can do so by getting in touch with us. The easiest way to do this is by using the contact us form, with your policy number, name, date of birth and a list of the changes you'd like us to make.

     

    There may be an additional or return premium due depending if you are adding or removing cover.  We also charge an administration fee of £10.00 for making changes to your policy.

  • Do you offer Public Liability cover?

    Yes, we can offer four levels of cover.  You can either include this on to a policy alongside your equipment or alternatively as a stand-alone policy.

     

    Cover levels available:

    • £1 million
    • £2 million
    • £5 million
    • £10 million

  • I want to cancel my policy, how do I do this?

    After purchasing our insurance, should you decide that the insurance no longer meets your requirements, you are entitled to cancel this insurance policy by notifying Eversure in writing within 14 days of either receiving the insurance policy confirmation OR the start of your Period of Insurance, whichever is the latter.  You will receive a refund of the premium paid, less the £10.00 cancellation fee.

     

    You are entitled to cancel this insurance policy after the cooling-off period stated above. Any return of premium due to you will depend on how long the Policy has been in force.

     

    Please note:

    Our £10.00 cancellation fee applies to all policies, including within your 14 day cooling off period.

    If you have made a claim, no refund is due.

    Administration fees (where applicable) are not refundable.

     

    How to cancel your Camera Insurance

    If you would like to cancel your policy, please use the contact us form here. We will usually process your cancellation within 2 working days and send a confirmation to the email address supplied. (Our opening hours are Mon–Fri 9am-5.30pm, excluding public holidays)

Claims Process
Exclusions
  • Is my equipment insured in a tent?

    Your equipment will not be covered by our policy if you leave it unattended in a tent.  You can however keep the equipment in a vehicle, so long as the vehicle is locked and alarmed, the equipment needs to be kept in the vehicle's storage compartment and out of sight.

  • Do you cover breakdown of my camera or wear and tear?

    No, the policy will not respond to general breakdown of your camera or wear and tear. There must be an identifiable incident that caused the damage to your camera in order for the policy to respond.

  • Do you cover camera equipment left in a locked top-box of a motorcycle?

    The policy doesn't provide theft cover for photography equipment that is left in a top-box of a motorcycle. However, the policy would respond if the camera equipment was damaged in a road accident whilst stored in the top-box.

     

  • Is my equipment covered when in an 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.

  • Are there any excluded activities?

    Yes, the following activities are excluded: 

    • airborne activities
    • caving
    • potholing
    • mountaineering (involving the use of ropes and harnesses)
    • rock-climbing
    • motor sports
    • stunt work
    • underwater activities
    • water sports
    • naval, military or air-force service operations

  • Do you cover non-UK residents?

    We can only offer insurance to UK residents at this time.

    Additionally, residents of The Isle of Mann and the Channel Islands are not permitted to purchase our photography insurance.

    To qualify as a valid UK resident for the purposes of our Photography Insurance, you will have spent at least the last 6 months in the UK and will remain a UK resident for the duration of the policy.