Whether you're a budding Steven Spielberg following your family around the house with a Sony Handycam, trying to score £250 from You've Been Framed, or an Annie Leibovitz wannabe taking portraits of your friends with the latest Nikon DSLR, you're going to need a good insurance policy to protect your photographic equipment.
Protect Your Gadget will help you find a policy with the right levels of cover for your personal circumstances. For example, if you're looking to insure a relatively low cost Compact camera, with few accessories, a standard policy will probably suffice. If have a top of the range DSLR camera with four different lenses and a tripod, you're looking at getting a premium policy, or tagging on some extra cover to make sure you've got everything covered.
Key policy features for a standard policy should include:
If you need a more comprehensive policy, Protect My Gadget can help find you one with extra cover such as:
Most camera insurance policies won't protect you from:
Our top tip is always check the policy terms to see what's included in the policy. The last thing you want is to find out you're not covered for loss or theft when you try to make a claim.
An excess is the contribution you are asked to make towards a claim. There may be different excesses for different types of claim, so check the policy summary to see what they are (we make this information really clear on our policy details pages).
14-day exclusion period
While some policies provide instant cover, others stipulate that you can't make a claim for the first 14 days after your policy starts. Again, this is something we highlight on the quote page and policy details pages.
Purchased in the UK
Some insurers will only insure UK purchased devices, so if you got a bargain on your business trip to the States, you may find you can't get cover for it.
Purchased from auction sites
Gadget insurers stipulate that the device must have been purchased either as new from a manufacturer, network provider or retail outlet (high street or online) OR refurbished and directly from a manufacturer or network provider. If you do make a claim you will almost certainly be asked for details.
Wear and tear
Policies won't pay out for normal wear and tear, or cosmetic damage like scratches.
For most people the most valuable thing about their device is not the physical device itself but the data that's on it.
Protecting this needn't cost you any money at all.
Ensure that you frequently back up your music, files, photos, videos, contacts and other data. Consider cloud storage options for your data as well as physical backups such as home computers or hard disk drives.
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