Camera insurance

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.

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.

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.

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

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.

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?

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.