Market Overview

The Camera Insurance Team Top Tips for Camera Insurance Policies


Camera Insurance can be quite complex and it is vital that the correct policy is selected to meet all requirements.

(PRWEB UK) 29 October 2012

Cameras can be extremely costly items so adequate Camera Insurance is essential.

Factors to consider when choosing a camera insurance policy:

Is Amateur or Professional cover required? Amateur Camera Insurance will usually include insurance for anyone who is not making more than 50% of their income from the images produced from their photography. Professional Camera Insurance is for those people who make more than 50% of their income from their camera and camera equipment. Some policies may differ in the earning amounts allowed.

Room Only or All Risk? Room Only insurance means the camera is insured for use in a specific room or building only. All risk insurance means the camera is covered for use in all areas and sometimes abroad. This may require a policy extension. For expensive equipment it may be worth considering unlimited worldwide cover that is offered with some policies

In Vehicle Cover? Not all Camera Insurance policies will include theft from vehicles and those that do may insist that the camera is kept hidden in a lockable compartment within the car.

The Insurance Policy

When looking for the ideal Camera Insurance policy the following top tips should be taken into consideration:

Accidental Damage - check carefully to see what is included under accidental damage, it may not include liquid damage or damage caused by grit and sand.

Theft of camera and equipment - Unfortunately there have been many fraudulent claims made regarding cameras that have been stolen, with some claims being made for very valuable equipment when in fact the stolen item was worth much less. Therefore it is strongly advised that all receipts are kept to prove where and when the camera was purchased and for how much money. Try to take some time and date stamped photographs of the camera and all the camera equipment which will be included in the policy. Theft claims will usually need a crime number, so the police should be contacted as soon as the camera and/or equipment have been stolen.

Breakdown Cover - Breakdown cover is sometimes provided by the manufacturer for at least one year when cameras are bought new. Some camera insurance policies may have a provision to continue this cover under the insurance policy. Extended warranties for cameras can often be purchased when they are first bought, so this could be investigated as a possible cost effective alternative.

Public Liability Cover - On a professional Camera Insurance policy there will usually be an option for public liability cover. This will help cover the costs of any third party injuries or damage caused by the photographer whilst using their equipment.

New for Old - Some policies offer “New for Old” cover, which means if a camera is stolen or completely destroyed in an accident the photographer could receive a new camera of similar specification to the old one. Check this type of cover carefully as some policies will have an age restriction, meaning cameras of a certain age are no longer included (in many cases cameras over 2 years old will no be longer eligible).

Including other equipment on the policy - Some policies may allow the inclusion of other items such as additional lenses, film, tripods, filters, battery packs and chargers, lighting and flash equipment. Be very specific about the make and value of each of these, and check if there are any restrictions. Some policies may exclude items such as leads or cables.

Discounts - Some Camera Insurance companies will now offer discount if the policy is purchased online.

General Exclusions to Camera Insurance - The following events are not generally included in Camera Insurance policies: Damage due to wear and tear, the cost of having the camera cleaned, damage from insects, sand, or dust, leaking batteries or scratched lenses.

When purchasing any Camera Insurance policy provide as much information to the insurance company or broker as possible to find the correct policy that meets all requirements.

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