Camera, Camcorder & GoPro Insurance Guide

Read our impartial guide to find out the questions you need answers for before you buy a camera insurance policy

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.

Things to consider before taking out camera insurance

  • Is your camera or video camera covered by your home contents insurance? Many home insurance policies cover gadgets, but we don't know that we have that extra cover.
  • Would you also be protected if you lost your camera or video camera away from home? If you have travel insurance - would that cover your camera equipment? If it will, is the full value covered or is there a set limit? What is the excess on that policy?
  • You may also be covered with inclusive insurance with a packaged bank account or certain credit cards - again, check this out before taking out stand-alone camera insurance, as doubling up on insurance can lead to lots of complications should you need to make a claim. Doubling up on insurance doesn't mean double the pay-out, it can mean double the administrative headache.

What does camera insurance cover?

Key policy features for a standard policy should include:

  • Accidental damage
  • Theft
  • Mechanical breakdown
  • Cracked lens
  • Overseas use

If you need a more comprehensive policy, Protect My Gadget can help find you one with extra cover such as:

  • Accessories (lenses, tripods, bags etc.)
  • Loss
  • Liquid damage

What they typically won't cover you for

Most camera insurance policies won't protect you from:

  • Loss or theft due to carelessness
  • Lost data ie. if you lose your camera and memory card, your insurance won't cover the data on the card ie. images and videos.

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.

Things to look out for when buying a policy

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.

It's not all about insurance...

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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