The only insurance provider recommended by NUS

What does camera insurance cover?

Not sure what to expect when you take out camera insurance with Endsleigh? As the UK’s No. 1 student insurance provider, we’re used to providing flexible protection that keeps our customers protected when it matters most. Our camera insurance provides cover for:

Bullet Point

24 hour camera replacement

We’ll help you make sure you don’t miss the perfect photo, with camera replacement in 24 hours once your claim is approved (if item is stolen or unrepairable).

Bullet Point

Up to 15% multi gadget discount!

Need to protect multiple gadgets? You'll receive a 10% discount when you insure two gadgets, with 15% off when you insure three or more.

Bullet Point

Theft, damage and mechanical breakdown

We'll protect your camera and its accessories up to 3 years old against theft, accidental and malicious damage, anywhere in the UK and up to 90 days worldwide.

Bullet Point

New for old camera replacement

We’ll replace your camera with the latest equivalent model, or choose from our flexible settlement options.

Everywhere Student Packs

Uni's all about "becoming you" - not worrying about your stuff. With an Everywhere Student Pack you can pack up your cover in one easy policy up to £1,000, £1,500 or £2,500 to protect your student items everywhere, both on and off campus!

What's covered?

  • Items with a replacement cost up to £500 with a £1,000 pack, £750 with a £1,500 pack or £1,250 with a £2,500 pack.
  • 24 hour replacement once your claim is approved (if item is stolen or unrepairable).
  • Theft
  • Accidental and malicious damage, including cracked screens
  • Flood and fire
  • Mechanical breakdown
  • Protection anywhere in the UK, up to 90 days worldwide.
  • No excess applies to claims for theft, assault and mugging, malicious damage, or arson

What's not covered?

  • Your excess
  • Mechanical breakdown before the expiry of the manufacturer's warranty
  • Gadgets and mobile phones more than 3 years old at the start of the policy
  • Cosmetic damage that doesn't affect operation
  • Money
  • Musical instruments and bicycles
  • Accidental loss (unless added as an optional extra)
  • Any gadget or mobile where you cannot provide proof of purchase

Frequently asked questions about camera insurance

Not sure whether you need camera insurance? We’ve taken the time to answer your frequently asked questions to help you decide.

What is camera insurance?
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Camera insurance is gadget insurance designed to protect your camera both at home and while you’re out and about. Our camera insurance provides cover for all types of camera – including DSLR and digital cameras – against theft, accidental and liquid damage, anywhere in the UK and up to 90 days worldwide.

Do I need camera insurance?
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If you love photography and plan to take your camera everywhere you go to ensure you never miss the perfect picture, then you may find that you want to take out camera insurance to protect your camera against accidental drops, loss or theft. After all, cameras can be an expensive bit of kit, so if you’re a professional photographer (or just a particularly keen instagrammer) you probably won’t want to come up with the cash for a new one should your camera get damaged or stolen.

Is my camera covered on holiday?
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Yes, Endsleigh’s camera insurance includes cover anywhere in the UK and up to 90 days worldwide against theft, accidental and malicious damage, with 24 hour replacement once your claim is approved (if item is lost*, stolen or unrepairable). 

 Is my camera and equipment covered while I’m staying in a hotel?

Yes, this will be included as standard with our worldwide camera insurance cover, including theft.

*If loss cover is selected.

What’s not covered by camera insurance?
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We are unable to provide the following cover under our camera insurance policies:

  • Cover is not available for cameras more than 3 years old at the start of the policy
  • Wear and tear or costs for maintenance
  • Cosmetic damage which does not affect operation
  • Any camera used for business, trade or professional purposes
  • The first £75 for any accidental loss claim (if selected) and the first £50 for all other claims
  • Accidental loss unless selected
What is the ‘replacement cost’ for my belongings with an Everywhere Student Pack?
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The ‘replacement cost’ is how much it would cost to replace your belongings should you need to make a claim.

With an Everywhere Student Pack, your gadgets and belongings will only be covered if the replacement cost is less than the limit shown on your policy documents, as follows:

£1,000 pack = Cover for items that cost less than than £500

£1,500 pack = Cover for items that cost less than than £750

£2,500 pack = Cover for items that cost less than than £1,250

Here’s an example to show you how it works:

You have a mobile phone worth £450, a laptop worth £300 and a tablet worth £150 – because all of these items are each worth less than £500, they can be covered with a £1,000 Everywhere Student Pack. With this £1,000 Pack, you will be provided with up to £1,000 cover throughout the year for your items, as long as the total cost of your claims isn’t more than £1,000. 

What happens when I make a claim?

Say you bought a new laptop that cost £300, and purchased an Everywhere Student Pack that provides £1,000 cover for items with a replacement value of up to £500.

A few months later, you (sadly) drop and damage your laptop. Because the replacement cost on your policy is £500 and your laptop only costs £300 to replace, this will be covered under your Everywhere Student Pack policy. Had your laptop cost more than £500, it wouldn't be covered and you would be unable to make a claim.

Remember: It's always worth checking that your items don't cost more than the replacement cost when taking out our Everywhere Student Packs. If any of your items do cost more than the highest replacement cost (£1,250), you can choose to build your own cover.

What about Endsleigh’s laptop/tablet theft policy?

Our laptop/tablet theft policy provides cover for devices with a replacement cost up to £1,250.

Will home insurance cover my camera?
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Before taking out a separate camera insurance policy, it could be worthwhile checking whether it’s already covered under your home insurance, as some policies include this cover as standard.

However, if you do already have cover for your camera under your home insurance, it’s also important to check your policy documents to find out exactly what’s covered. You may find that your home insurance policy doesn’t provide the level of cover for your camera that you would receive with specialist gadget insurance. For example, is it covered outside of your home, or abroad if you want to take it on holiday?

What if I use my camera as a professional photographer?
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We are unable to provide cover for cameras that are used for business, trade or professional purposes.

If you’re a professional photographer, as well as insuring your camera you should also consider whether you require public liability or professional indemnity cover to protect your business interests.

Get a business insurance quote today.

Interested in camera insurance? You might also be interested in...

Tablet insurance

Protect your tablet anywhere in the UK and for up to 90 days worldwide against theft, accidental and liquid damage, as well as cracked screens.

iPhone insurance

Stay connected with iPhone cover that protects against cracked screens, accidental and liquid damage anywhere in the UK, up to 90 days worldwide.

iPad insurance

Keep your iPad protected against spills, drops and scratches anywhere in the UK, up to 90 days worldwide, including accidental and liquid damage cover.

Mobile phone insurance

Protection against theft, accidental and liquid damage, as well as cracked screens. Insure two or more gadgets and get up to a 15% discount!

Laptop insurance

Whether you use your laptop for business, coursework or gaming, we'll protect it against accidental and liquid damage anywhere in the UK.

Student gadget insurance

Stay connected with our flexible student gadget insurance. Protection against theft, accidental and liquid damage, as well as cracked screens.

Why Endsleigh for camera insurance?

As the only insurance provider recommended by NUS, we understand that finding flexible and affordable camera insurance is a top priority for our customers. That's why we take a personalised approach to finding you the right camera insurance quote, offering up to 15% discount when you insure two (or more) gadgets.

Need to contact us?

Our friendly team are ready to talk to you:

Mon-Fri: 8am to 6pm, Sat: 9am to 5pm

Call us on 0333 234 1557