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Five great reasons to get yourself camera insurance

Posted on Nov 26, 2022

The Insurance Emporium offers bespoke photography insurance and PN readers love it. Here’s why you need camera cover – and how you can get it

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Here at the Insurance Emporium, our aim is to protect the things you love, and we always strive to provide our customers with the best possible service, so imagine how thrilled we were to have been nominated for Best Insurance Provider at the Photography News 2022 Awards.

This will be our third nomination and we’re crossing our fingers for a hat-trick, as we were previously winners in both 2020 and 2021. The thing that makes this award even more special is that it is voted for by the people who matter and use our product; that’s you, the readers.

Why are we so passionate about camera insurance? With an estimated 1.72 trillion photographs taken every year, cameras play a huge role in our lives, and whether you’re an amateur snapper or a professional shooter, you might want to be sure your kit and camera are protected.

However careful you are, there’s always the chance that something unexpected might happen, but have you ever thought about what you would do if some of your equipment got lost, or was damaged or stolen? When was the last time you stopped to work out what it’s all worth?

Photography isn’t cheap!

It’s estimated that UK consumers spent around £2.13 billion on photographic equipment in 2021 alone. Modern camera equipment is much more sophisticated than it used to be; it’s not a cheap hobby. Chances are you’ve built up quite a collection, not only the cameras themselves but also lenses, chargers, memory cards, tripods and editing equipment. While some of those items can be replaced quite cheaply, others, such as DSLRs, can cost quite a bit to replace.

Accidents

Picture this; you’re all set up, ready to capture the perfect sunrise from the beach. You step back and stumble on somebody’s sandcastle from the day before, lose your grip on your camera and drop it, leaving you with a broken lens and a camera full of sand. Or you accidentally leave a vital piece of kit behind when you’re rushing to clear away before it starts raining after a long shoot. It only takes one small accident; wouldn’t it be good to know that you don’t have to spend precious time and money sorting repairs, or even a replacement? Data Recovery is also an option on some policies, as is Accidental Portfolio Damage, so you can be covered for the cost of re-duplicating or re-printing.

While the manufacturer’s warranty may cover the cost of replacing faulty kit within a certain timeframe, it may not cover accidentally damaged or stolen equipment.

Theft

Having your camera – or any of your equipment – stolen can set you back. Apart from knocking your confidence, the cost of replacing equipment can be huge. You can take all the right precautions, but it only takes a few minutes for something to happen.

For example, you might leave your equipment in the boot of your car while stopping off for a quick coffee on the way back from a shoot, or might be photographing an event with people around and something goes missing.

This is where camera insurance comes in handy. Policies may cover the cost of replacing your damaged, lost or stolen equipment, or even the cost of hiring temporary equipment while yours is being repaired or replaced.

Public liability

Even if you’re not a professional photographer, chances are you’ll be working near/around other people at some point. Public Liability is included in both Amateur & Semi-Professional policies, and Professional policies with The Insurance Emporium.

Other things to consider

Specialist camera insurance is tailored to your needs; choose a range of optional benefits and tweak them depending on the genre you do, choosing either Amateur & Semi-Professional or Professional cover.

It’s worth taking the time to find the most suitable camera insurance package for you, especially when new customers can make the most of a 25% Introductory Discount* at The Insurance Emporium. Then you can carry on shooting with peace of mind from knowing your precious equipment is adequately protected.

Don’t forget to zoom in and vote for us! If you’re feeling particularly lucky, head over to our website in December to enter a prize draw for our upcoming wedding competition, where you could bag holiday vouchers worth £2,000!

Vote for The Insurance Emporium in the 2022 Photography News Awards. For more info or to get an online quote, visit theinsuranceemporium.co.uk.

This article appears in Issue 102 of Photography News. Read the full publication here.

*The 25% Introductory Discount is available on lunar and calendar monthly policies and policies where the premium is paid annually. The Introductory Discount is available for the first 12 premium payments on lunar and calendar monthly policies or one premium payment on annual policies.

All content provided on this blog is for informational purposes only. We make no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. We will not be liable for any errors or omissions in this information nor for the availability of this information. We will not be liable for any loss, injury, or damage arising from the display or use of this information. This policy is subject to change at any time.

We offer a variety of cover levels, so please check the policy cover suits your needs before purchasing. For your protection, please ensure you read the Insurance Product Information Document (IPID) and policy wording, for information on policy exclusions and limitations.

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