What is covered?
  • 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.

  • Do you charge cancellation fees?

    No, we do not charge cancellation fees for our camera policies.

    Your Right To Cancel:

    • During the Cooling Off Period You are entitled to cancel this Policy by notifying Eversure in writing, by email or by telephone within 14 days of either:

    o the date You receive this Policy; or

    o the start of Your Period of Insurance whichever is the later.

    A full refund of any premium paid will be made unless You have made a claim in which case the full premium is due.

    • After the Cooling Off Period You are entitled to cancel this Policy after the cooling-off period stated above by notifying Eversure in writing, by email or by telephone. Any return of premium due to You will depend on how long the Policy has been in force unless You have made a claim in which case the full annual premium is due.

  • Is my equipment covered in a car?

    Yes.

    Your equipment will be covered for theft from a vehicle 24hrs a day providing you follow a few important notes:

    • The vehicle must be locked
    • The vehicle can't be a convertible
    • The equipment should be in a glove box or in the boot where it is out of sight
    • You may not leave equipment in your vehicle when it is outside your insured location

  • 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 just cover cameras?

    We are able to cover almost all of your photography and videography equipment on your camera policy with Eversure. There's just a few things we won't cover:

    • Disposables (like batteries that aren't rechargeable or lamps)
    • Tablet and touch-screen computers (like iPads and Microsoft Surface)
    • Binoculars and spotter scopes without other photography or videography equipment
    • Mobile Phones
    • Laptops and PCs that aren't used for photographic or videographic purposes
    • Leads, cables, fuses, films and software

  • If my Equipment is lost or damage, will you pay for hire equipment?

    We will pay for the hire of alternative equipment following a claim whilst we repair or replace an Insured Item but you must submit a claim first, and you must get approval from our claim handlers before you hire the equipment.

    When we agree to paying for the hire of equipment, you should be aware that the maximum we will pay is 10% of your sum insured with a maximum £2,500.

  • Is my equipment covered if I lend it to someone else?

    Your equipment will be covered if you lend it to members of your immediate family to use in your absence.

    Additionally, provided you enter your company name during the purchase process, any of the employees of your business will also be able to use the equipment and receive the benefits of your insurance policy.

  • Is my photographic equipment covered for Accidental Loss or Damage?

    Yes, we will 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.

  • Is there a maximum age limit for my equipment?

    No, there's no maximum age of equipment we cover but you will need to get your vintage equipment valued or have had it valued in the last 12 months before the start of your policy.

  • What is Public Liability Insurance?

    Public Liability Insurance is insurance that will cover the cost of legal action against you if you cause damage to either a person or property by using your equipment.

    A really good example of this might be where someone trips over your tri-pod leg and is injured.

    For obvious reasons, you might choose to take out this cover for peace of mind so that you know you won't be left at a financial loss for an innocent accident that takes place.

    Sometimes you'll find that particular venues you might be photographing at insist on you having a certain level of cover. Good examples of this are wedding venues, National Trust properties and Motor-racing tracks.

    We offer three levels of cover, £1m, £2m and £5m and all carry a set cost for the year regardless of the amount of equipment you have. Whilst the cover will extend to any employees you have working for you (provided you register your company name on the insurance policy), it won't cover for use of Drones. 

    If this is something you're interested in, but you'd like more information, it's worth checking the policy wording and then calling us with any further queries you might have.

  • What is the maximum value of individual photographic equipment items that I can insure?

    We can insure individual photographic equipment up to a maximum value of £10,000 per item.  Should you have single items of equipment valued at more than this, please call us to discuss.

  • 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 adaptors, 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 and computers 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 on your Schedule if Insurance.  


Our cover explained
  • Where can I find my Invoice/Receipt?

    We don't send out separate receipts or invoices as these are a part of the certificate of insurance.

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

    You'll find the amount you've paid, and the IPT (Insurance Premium Tax) paid noted on the Certificate of Insurance. Your accountant should accept this as a valid receipt. 

  • Do I need to tell you when I am taking my camera equipment abroad?

    No, you do not have to alert us to travel abroad with your equipment.  

  • What is the minimum age to purchase a policy?

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

  • I want short term cover for my photography equipment, how do I buy this?

    We sell annual insurance policies designed to be in place for the full year.

    There are a number of companies that provide short term cover, but this is usually at an increased daily rate. We find out annual cover is usually really competitive when you compare on a day by day basis.

    We will not sell you a single-trip or short-term policy.

  • My payment details have changed, how will you collect the renewal premium?

    If your payment details have changed, you will need to provide us with your new card details.  You can do this by calling us on 0330 094 5255 to provide new payment details.  Please note we do not store your card details on our system, only the last four digits, so payment for the renewal will be completed once you have given us these.  

  • How can I pay for my Camera Insurance

    You can pay for your annual 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 installments via our partner Premium Credit.  

    When purchasing, you will pay a deposit to Eversure. Your remaining payments will be collected by Premium Credit, 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 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 Premium Credit are required to remind you to sign the 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.


    Please Note: We can't offer this payment method to policies that don't meet this value so please don't ask. We don't like saying no!

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

    We hope you are happy with the cover our Camera Insurance provides.

    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:

    • the date you receive the insurance policy
    • the start of your Period of Insurance

    Whichever is the latter.

     A full refund of any premium paid will be made unless you have made a claim in which case the full premium is due.

    You are entitled to cancel this insurance policy after the cooling-off period stated above by notifying Eversure in writing. Any return of premium due to you will depend on how long the Policy has been in force unless you have made a claim in which case the full annual premium is due.

    We may cancel this insurance policy by providing 30 days notice in writing to your last known address. Any return of premium due to you will depend on how long this insurance policy has been in force unless you have made a claim in which case the full premium is due.

    How to cancel your Camera Insurance

    If you'd 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)

    Please note: Administration fees (where applicable) are not refundable.

  • How do I work out how much my kit is worth?

    Your Eversure Camera Insurance policy is a ‘New for Old’ policy, therefore in the event of a claim you need to know that you can go and buy a new replacement item. We can insure equipment of any age whether it’s new, old, second hand or even vintage. In order to ensure that your item is insured for the correct amount, please observe the following:

    1. Insure the item for the current usual, undiscounted, UK retail price.
    2. If you purchased a kit (for example a camera body and lens together), you must insure each part of that kit for it's current usual, undiscounted, UK retail price as individual items.
    3. 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.
    4. If the item is vintage, obtain a valuation from a reputable camera dealer stating the item, value and date of valuation.
    5. If you under-insure the item, you will only receive the amount that you have insured the item for, less the applicable excess.

    Our policy defines 'value' as follows:

    Value – the usual undiscounted purchase price of a new-for-old replacement Insured Item (including VAT) from a reputable dealer at the date the policy commenced, or for vintage Insured Items as per a current valuation from a reputable source within the 12 calendar months preceding the commencement date of this policy. You should review the Value of your Insured Items regularly to ensure Your cover is sufficient.

  • Evidence of Ownership

    We require that you are able to provide evidence of ownership for each item that you wish to insure, in the event of a claim.

     We can accept either;

    • A receipt, invoice or credit agreement stating the item, value and date of purchase

    Or at least two of the following;

    • Clear photographs of your equipment which are date and time stamped
    • A bank or credit card statement showing the date and value of the purchase and the retailers details
    • Packaging and literature which shows details of the item and purchase
    • A recent valuation or repair statement from a reputable camera dealer stating the item, value and date
    • For items purchased through an online auction such as eBay; a printed copy of the original auction, including photo's, description and auction number as well as the relevant proof of payment

  • Security Requirements

    We shall have no liability under the policy for theft, if You fail to comply with the following provisions, unless You show that non-compliance with these provisions could not have increased the risk of the loss which actually occurred in the circumstances in which it occurred.

    At the Insured Location:

    • All security devices including alarms must be operational whenever the Insured Location is Unoccupied and/or Unattended.
    • The Insured Items must be stored within the main building at the Insured Location, which must be constructed of non-combustible materials. By this We mean that the walls are built of brick or stone and the roof is slate or tile.
    • 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 Insured Items must be stored in a Locked Luggage Compartment.
    • All doors, windows and other openings in the vehicle must be fully closed and locked whenever the vehicle is left Unattended.
    • All security devices such as alarms must be activated whenever the vehicle is left Unattended.
    • If Insured Items exceed £10,000 Value the vehicle must also be fitted with an alarm.
    • When parked at the Insured Location, Insured Items must, where possible, be removed from the vehicle and stored within the Insured Location.

  • 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.

  • What is proof of ownership?

    Our policy requires that you are able to provide evidence of ownership for each item that you wish to insure. If you do not have evidence of ownership for one or more of your items any subsequent claim may not be upheld.

    Evidence of ownership will ideally consist of one of the following:

    • The original receipt stating the item, value and date of purchase
    • A copy receipt from the retailer stating the item, value and date of purchase
    • An invoice stating the item, value and date of purchase
    • A credit agreement stating the item, value and date of purchase

    If you do not have any of the above, we will require a combination of at least two of the below:

    • Clear photographs of your equipment which are date and time stamped
    • A bank or credit card statement showing the date and value of the purchase and the retailers details
    • Packaging and literature which shows details of the item and purchase
    • A recent valuation or repair statement from a reputable camera dealer stating the item, value and date
    • For items purchased through an online auction such as eBay; a printed copy of the original auction, including photo's, description and auction number as well as the relevant proof of payment

    Whilst it does not count as proof of ownership, specified items (any item valued over £2,000) should also have their serial numbers recorded when possible. Serial numbers can be entered during purchase, or you can contact us after purchasing to update these details. Providing the serial number for specified items can also help to match them to the relevant evidence of ownership if you need to make a claim, and for high value items some retailers may be able to provide copy receipts using the serial number.

  • What excess will I be charged if I make a claim?

    The policy excess is the amount of a claim which you are responsible for before we will reimburse you or provide replacement equipment. This will usually be deducted from your total claim amount if you make a claim.

    For Example:

    If you claimed £1000 for a replacement camera lens, and the excess for this is £100, you'll receive £900 as a final amount in your claim.

     

    Theft, Accidental Loss and Accidental Damage

    The excess for the above is £100 regardless of your claim total or the amount of equipment you have insured with us. This is a fixed excess, so we won't reduce this if you pay slightly more and similarly, you can't increase your excess and pay a lower premium.

     

    Public Liability

    The excess for Public Liability cover (if you choose this as an upgrade) will carry a £500 excess on any claim regardless of the level of cover you choose.

     

    Hire, Personal Accident and Professional Indemnity

    If you need to make a claim for the above provisions of cover, there is no excess.

  • What the maximum value of equipment I can insure?

    The most equipment we can cover on one insurance policy is £50,000. 

    If you have more equipment that this, please do still get in touch as we have plenty of experience in covering our customers with more than one policy. This can sometimes prove more cost effective.

  • How should I value my equipment?

    We sell a new-for-old policy which means that if your equipment is lost, stolen or damaged beyond repair, we will either replace it or provide the amount it would cost to replace it with the equivalent new item. 

    So, if you're insuring a piece of equipment that can't be bought any more, you should insure this for the value of the closest equivalent equipment that's available now.

    You should also make sure that it's not a sale price, as this sale might not be running at the time you need to replace it, and that your valuation includes VAT.

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

    If you're still not sure, just ask us!

  • Is this cover suitable for professional photographers?

    Yes, our cover is designed for both professional and amateur photographers. We extend all of the great features of our insurance to all of our users regardless of their ability level and whether they're earning an income from their passion.

  • What are your security requirements?

    At the insured location

    When you purchase cover with us, we ask you for the equipment's 'insured location'. This is the address that the equipment will usually be stored at unless you're out and about using it or on holiday with it. We ask for this because it helps us better assess the risk to your equipment in the place it 'lives'.

    There are a few requirements we have in order to provide cover for your equipment when it's in your insured location. 

    • All security devices including alarms must be operational whenever the Insured Location is Unoccupied and/or Unattended.
    • The Insured Items must be stored within the main building at the Insured Location, which must be constructed of non-combustible materials. By this We mean that the walls are built of brick or stone and the roof is slate or tile.
    • 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.

    Unattended Vehicle

    Your equipment will be covered if it's stolen from an unattended vehicle, 24hrs a day, provided you meet the below requirements:

    • The Insured Items must be stored in a Locked Luggage Compartment.
    • All doors, windows and other openings in the vehicle must be fully closed and locked whenever the vehicle is left Unattended.
    • All security devices such as alarms must be activated whenever the vehicle is left Unattended.
    • If Insured Items exceed £10,000 Value the vehicle must also be fitted with an alarm.
    • When parked at the Insured Location, Insured Items must, where possible, be removed from the vehicle and stored within the Insured Location.

    Away from the insured location

    We cover your equipment when you're away from your 'insured location' assuming you don't leave your equipment unattended at any time unless it's inside a locked room or locked cupboard and any security devices are in operation.


Claims Process
  • Can I make a claim straight away?

    Yes, we don't put an exclusion time on your policy. All items being insured must be in full working order at the time you take out insurance with us.

  • How do I make a claim?

    Making a claim is really straight forward.

    You'll need to complete our online claim form as soon as possible including as much detail as you can regarding what happened, where it happened and what has been lost/damaged.

    We'll review that form here at Eversure and make sure we have all the information we need before submitting that to Questgates, our professional claim handlers. They'll send you an email within 72 business hours to confirm that they're working on your claim and then get in touch with more information.

    Typically, claims are resolved within 30 days. This can take longer if the equipment needs specialist repair rather than replacement. We'll work hard to keep you in the loop though so that you know what's going on.


Addtional Cover Options
  • What is Professional Indemnity insurance and do you offer this?

    Yes, we can offer this product.  We can offer Professional Indemnity cover up to £75,000 towards any costs which You become legally liable to pay as a result of negligent services or advice provided by your business.

  • How do I add or remove equipment from my policy and how much does it cost?

    If you'd like to add or remove equipment or change anything about 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, DOB and a list of the changes you'd like us to make.

    We don't charge administration fees for changes, but if your total sum insured increases we'll charge the card on file you used to pay for the policy to cover the cost.

    By the same token, if your sum insured reduces, we'll refund the card you used to pay for your policy.

  • Am I covered outside of the UK?

    When you purchase our insurance, the first step is getting a quote. During this process you're asked about the value of your equipment and what extras you might want to add. One of these is for cover outside of the UK. 

    The image below shows exactly where you can specify this in your quote to make sure the price you see covers the geographical territories you want. If you don't choose one of these options, your cover will just extend to the UK.

     mceclip0.png

    We offer four different levels of multi-trip worldwide cover as seen above.

    Choosing one of these will provide you cover for as many trips in a 12 month period as you like, as long as no one trip is longer than the number of days shown above.

    If you don't add this at the time of purchase, we can add it on for you at any time during the year. Once it's added though, we can't remove it until your policy comes up for renewal next year.

    In the event of a claim, you'll be required to provide the location of the incident that resulted in the loss. If it's outside of the UK, you'll be asked to provide evidence of your trip start and finish dates (usually by plane/train or bus ticket).

  • Do you offer Public Liability cover?

    Yes, we offer three levels of Public Liability cover that you can add to your photographic or videographic insurance policy with Eversure. The three levels best reflect the requirements of most of our professional photographers. We're unable to offer more cover that this at this time.

     

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

  • Do you provide Personal Accident cover?

    We will 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 - £2,500
    • Loss of Sight - £2,500
    • Permanent Total Disablement - £5,000
    • Death - £5,000


Exclusions
  • 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.  

  • Can you cover my camera equipment if it is stored in a locked compartment within a shared dormitory of a hostel?

    No, the policy would not provide cover if you have left your camera or equipment in a locked compartment of a shared dormitory of a hostel.

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

    No, the policy doesn't provide cover for camera 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.

     

  • Do you cover Hire equipment?

    We won't cover equipment that either you hire in, or you hire out at this time.

  • 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.

  • Is my equipment insured in a tent or caravan?

    No, your equipment will not be covered by our policy if you leave it unattended in a tent or caravan. You can keep the equipment in a vehicle so long as it’s in a locked luggage compartment and out of sight. For full details please refer to the policy wording.

  • Can I cover my mobile phone or tablet computer?

    Unfortunately we can only cover laptops, not any form of tablet computer such as iPads. Laptops are only covered if they are primarily used in conjunction with photography.

  • Do you cover 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. 

    It's worth having a read of our Policy Wording to make sure we'll cover your particular circumstances.

  • Can I cover hired or borrowed equipment?

    No, we're only able to cover equipment that you own.

    In the event of a claim you'll be required to provide evidence of ownership, more details on this can be found in the article Evidence of Ownership.

     

  • Are there any excluded activities?

    Yes, damage or injury whilst you're taking part in the following unless we have given you express written authorisation in advance.:

    • Airborne activities
    • caving
    • potholing
    • mountaineering
    • rock-climbing
    • motor sports
    • stunt work
    • underwater activities
    • water sports
    • naval, military or air-force service operations

  • Do you cover non-UK residents?

    We're not permitted to write insurance to non-UK residents at this time. 
    Additionally, residents of The Isle of Mann and the Channel Islands are not permitted to purchase our camera insurance.

    To qualify as a valid resident for the purposes of our Camera Insurance, you will have spent at least 6 of the last 12 months in the UK, and will spend at least 6 of the following 12 months in the UK.

    If you are staying in the UK on a Visa, you will be covered providing your insurance policy will expire within the duration of your Visa.