Best Camera Insurance Deals – Amateur Photographer


With so many options available, choosing the right camera insurance can seem like a daunting task – that’s why we’ve compiled a list of the best camera insurance deals, as well as some helpful details, to give you a hand in choosing the right one. correct option.

This will be of great help whether you are looking for expensive equipment to have in your home, have an upcoming trip that you want to be protected for, or to protect your photography business from unwanted accidents.

Camera insurance is a great idea if you have a kit that is too expensive to replace. Many of us enjoy the latest and greatest in camera technology, not to mention a variety of quality lenses, which have no trouble racking up the total value of up to thousands of pounds of gear.

Whether it’s theft, damage or a beach fiasco, you need solid camera insurance …

This can be disastrous even if you are careful as there is unfortunately no guarantee that you will be able to avoid a dropped lens, a stolen camera bag, a lost memory card, or any of the other myriad of potential problems. Whatever you want to insure, you must show proof of purchase (often from a UK VAT registered company) and that your kit is in good working order when you take out the policy – some insurers will only cover equipment that is also less than four or five years old.

It’s also worth noting that many insurers don’t list the overpaid amount (how much you pay before taking over the bill) unless you read the fine print, so keep this in mind to avoid getting a deal you don’t get. want.

Since most insurers allow you to personalize your coverage, here are some of the most important options to consider.

Theft and Accidental Damage
This is usually the bare minimum you are looking for with your camera insurance policy, and maybe everything you need – these are included with most policies and will cover your items if they are stolen or accidentally damaged.

If you’re not going anywhere, it’s definitely worth checking that your home insurance doesn’t already have it covered, although chances are it won’t be the case with more expensive equipment.

Being insured against theft is self-explanatory, but most claims come from accidental damage by the user himself – cracking your lens glass or water damage can be very costly if you are not protected.

New for old
A common option with many insurers, that eligible items can be replaced with a new model if the original is damaged or stolen. This applies to a kit you’ve had from a new one, and your coverage will pay for the replacement for a new kit of equal value. This allows you to shoot again with high-quality equipment that has no history of malfunction or damage and prevents aesthetic wear and tear.

Coverage in the vehicle
Theft from your car can be a common way to steal items, so it’s a good idea to consider getting covered for items in your car – this is often where people have most (if not all) of their stuff for extended periods of time. leave behind. of time, and is more exposed to theft than your home. Most insurers will offer this and while this is usually at an additional cost, many will think this is a necessary option to avoid paying out for a massive amount of stolen items.

Rental of equipment
This can be very useful if there is a problem with your equipment while you are traveling or taking a photo. This is usually additional insurance, but will cover the cost of any equipment you rent while waiting for a claim for your damaged equipment. Often times, there’s also the option to get coverage for anything you’ve hired, in the unfortunate event of it being lost, broken, or stolen.

EU and worldwide coverage
If you plan to leave the country, it is essential that you have insurance wherever you go. Some companies have a few options for this so you can choose EU / Worldwide, while others have a simple global option that gets you covered everywhere. This is often included in the standard policies, but if you want more than a few weeks, you should probably add this as a perk.

Best Camera Insurance Deals

Aimed at: Amateur / Semi-Pro / Pro
Low-end price (£ 1,000 kit): £ 2.77 per month
Mid-price (£ 3.5k kit): £ 7.13 per month
High end price (£ 6k kit): £ 9.82 per month

Ripe offers flexible insurance for amateurs, semi-professionals and professionals, so you can tailor your coverage to the needs that suit you. The offer starts at £ 2.77 a month (at time of writing) based on £ 1k equipment, although quoted on a higher kit worth £ 3.5k and coverage across the UK, it rises to £ 7, 13 per month.

There are many other options you can include, such as civil liability, vehicle theft, mobile and tablet insurance, plus the expansion to the EU and worldwide. You can also choose to pay up to £ 500 deductible which cuts costs significantly, for example £ 250 deductible reduces the cost of the previous example to £ 6.04 per month. Their insurance covers all of your camera kit, from your main body to your lenses and tripods.

Ripe also has special videographer insurance for all the vloggers and cinematographers out there, and the company currently has a 20% discount on all policies.

Aimed at: Amateur / Semi-Pro / Pro
Low-end price (£ 1,000 kit): £ 19.99 per year
Mid-price (£ 3.5k kit): £ 82.47 per year
High end price (£ 6k kit) £ 123.54 per year

With Eversure on the affordable end of the scale, you can fine-tune your insurance to your needs, while staying within your budget. Guaranteed by Ageas, as well as a Feefo Platinum Award, you know you’re in reliable hands given the price – theft and accidental damage come as standard, as is in-car coverage and new for old.

You can add specific items, such as drones / computers / laptops worth over £ 2000, up to the maximum total cost of £ 7000. There are also a number of other options available such as public liability and global coverage, while the standard proprietary risk is £ 50. Eversure is a great option if you are looking for a cheap price and basic coverage.

Aimed at: Amateur / Semi-Pro / Pro
Low-end price (£ 1,000 kit): £ 2.78 per month
Mid Price (£ 3.5k kit): £ 8.50 per month
High end price (£ 6k kit): £ 18.06 per month

PhotoGuard is an insurance company dedicated to photography and you can get all your equipment covered up to £ 50,000 – this includes those with video cameras. In addition to camera housings, lenses and video cameras, you can also insure additional equipment such as drones, lights and astronomy optics, making it a versatile option.

The standard policy is in effect all over the UK, with an allowance for 30 days travel worldwide (you can extend this if you wish), £ 1 million public liability and £ 10,000 personal accident, plus in-car, equipment rental and ‘loan to a friend ‘cover. The standard deductible you will pay is £ 100 for a claim under £ 10,000 and £ 200 for a claim over £ 10,000.

Aimed at: Amateur
Low-end price (camera worth £ 501- £ 750): £ 5.99 per month
Mid-price (camera worth £ 1501- £ 1750): £ 13.99 per month
High end price (camera worth £ 2501- £ 3000): £ 17.49 per month

Loveit Coverit is worth considering for avid amateur photographers about to hit the road who have loose items to insure worth up to £ 3000. You are covered for theft, accidental damage, mechanical breakdown, cracked screen, liquid damage, and unlimited global coverage – making this ideal for those traveling abroad anywhere in the world.

The company has a Feela Platinum Award and good ratings, as well as a 12-month warranty on all replaced items, although the gadgets you can insure are limited to the big names. You must specify the place of purchase, which must be a UK VAT registered company, and of course the gadget must be fully operational at the start of your coverage.

If you choose to pay annually, you have the option of getting a month free and adding extra gadgets with a 10% discount. Finally, the deductible ranges from £ 30 to £ 150 depending on your claim and the cost of your kit.

Aimed at: Amateur / Semi-Pro / Pro
Low-end price (1k kit): £ 2.33 per month
Average price (£ 3.5k kit): £ 5.91 per month
High end price (£ 6k kit pro) – £ 16.54 per month

The Insurance Emporium offers discounted coverage, with the option to tailor your policy. Standard insurance offers protection against theft, loss or accidental damage, vehicle unattended, replacement rental, data recovery, civil liability, personal accident and worldwide coverage, while you have options to extend your protection to waterproof gadgets, helmet cameras and more.

The Insurance Emporium can be a great option for those who will be traveling abroad as you are automatically covered worldwide – the company also ensures that Brexit won’t affect any of the policies for the foreseeable future.

Keep in mind that if your items are less than four years old, if your items are older than five, you will need to provide the replacement value, then you will need the market value or replacement value. The standard deductible you pay is £ 110, and if you look at the professional services the company will cover a kit up to £ 50,000.

Aimed at: Amateur
Low-end price (£ 250 kit): £ 4.49 per month
Mid-range price (£ 750 kit): £ 7.49 per month
High End Price (£ 1000 kit): £ 8.49 per month

If you’re an amateur looking for insurance for a low mid-level camera, Tinhat might be a good option – the camera body is on the cheaper side, protecting your gear up to £ 1000 in value. However, keep in mind that you can only select a purchase date from the last year, so this is not for those with older cameras.

The case takes care of a wide variety of headaches, including accidental damage, liquid damage, breakdown, theft and worldwide coverage, and replaces any accessories lost at the same time as your main gadget (up to £ 150).

The deductible is also reasonable, priced at £ 75 for an item worth £ 251- £ 750 and £ 100 if the item costs more than £ 751.

Aimed at: Amateur / Semi-Pro / Pro
Low-end price (£ 1,000 kit): £ 90 per year
Mid-price (£ 3.5k kit): £ 110 per year
High end price (£ 6k kit): £ 130 per year

Aaduki, a camera insurance specialist, states that it allows you to customize your coverage with a more personalized approach – you can’t get quotes on the website, but you talk to the Aaduki team to find out what’s right for you. With standard in-vehicle coverage, as well as 60 days of global coverage (unlimited global coverage is available), Aaduki is worth considering if you plan on traveling with your gear, plus you have all the usual optional extras if you need to .

The deductible for all price ranges listed above, as well as those with up to £ 10,000 in equipment, is £ 150, while the policies are annual. This makes Aaduki a viable option for those with an expensive kit and those not looking for a short policy.

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