Why Should You Have Camera Insurance?

Here, we go through some of the main reasons why camera insurance is important, whether you are a professional or keen amateur. We also have a fantastic offer, letting you get 10% off camera insurance with policies starting from just £19.99 for the year.

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As a photographer, you'll know that you invest a lot of money into your kit and a lot of time into perfecting your skills. No matter if you're an amateur or a pro, the chances are that you've spent at least £1000 or more on kit and lenses, as well as bags, filters, tripods and other accessories letting you hone your craft further. 

You invest a lot in your kit, and for those of you that are professional, it can be that your livelihood relies on that camera kit you so treasure. You've probably thought about insuring your kit, but do you know what your policy covers? It's important that you get cover that is valid in every eventuality that you might find yourself in. For example, if you travel for work a lot, making sure worldwide cover is included is a must. From damage in transit to loss and theft, you need to think of every avenue.

 

Of course, every photographer is different and has differing needs, so we've put together this handy guide covering the main reasons why you may need cover as well as offering you an amazing 10% discount on Eversure camera insurance policies - especially for ePHOTOzine readers. 

 

Main reasons for claims:

Camera in the air

 

Drop

Accidentally dropping kit or kit falling off of things is a really common occurrence. Of course, this can be remedied by making sure you have a good camera strap or supporting device but for those occasions where a bad drop happens, it's good to know that you have an insurance policy in place which will offer you a replacement kit while yours is repaired. 

 

Theft

It's everyone's worst nightmare, turning around or returning to your home to find that your kit is missing - stolen. Your kit is worth a lot of money and investment. Not to worry as long as you have an insurance policy in place (provided that you meet the terms and conditions, like not leaving kit in an unlocked room or leaving it on display in a car. 

 

Accidental damage

Bumps, tripping over, swinging the camera into a wall - all of these things can and have happened to photographers of all levels. Camera straps snapping or coming loose, tripods blowing over at events - we've heard it all. It's never nice, but at least you know that you'll be able to get replacement kit, by thinking ahead and making sure you have insurance. 

 

Pro additions

The professionals amongst you should also make sure your policy has some extra elements of cover.

 

Public liability

Public Liability is essential if you're working with groups of people at private venues, such as weddings and christenings. It covers the compensation and legal costs should you be sued by someone for damaging their property or injury to themselves. 

 

Indemnity

Indemnity insurance covers you in the event of a dispute with a client. It will cover the cost of defending any allegations or claims made against you by a client and also pay compensation to the client.

 

camera kit

 

Cover all your kit - not just cameras

A good policy should cover everything you use at part of your photography - not just a camera. Filters, tripods, light meters, even laptops and drones if they are primarily used in conjunction with photography kit are covered by Eversure. (Any item with a value of over £2000 or a drone must be specified.)

 

10% off with Eversure Insurance

If you're ready to purchase insurance for your kit, Eversure is a great choice. There are no admin fees, a £100 excess as standard and they'll cover you Worldwide. There's also the added benefit of Theft (including from a vehicle provided you meet the criteria) for your peace of mind. 

We've teamed up with Eversure to offer ePHOTOzine readers a 10% discount on their insurance policy. No need to enter a code - the discount is applied for you. Happy insuring!

 

Get an Eversure Insurance quote

 

More Benefits of Eversure Insurance:

  • Kit covered even if stolen from a car, motor home or caravan subject to requirements
  • New for old cover
  • Still covered if you lend kit to family in your absence
  • Kit covered in hotel
  • Fixed £100 excess 
  • No admin fees
  • New for old cover
  • Worldwide cover

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