Camera Insurance

Camera Insurance

Photoguard select - Camera insurance for amateur or semi professional photographers
Photoguard insurance

Photoguard pro - professional photographer insurance with flexible options
Photoguard insurance

Photoguard liability - public liability insurance for photographers

Photoguard -

Save £5 when you order your camera insurance on line.


Photoguard is operated by Pavilion Insurance Management Limited, an approved member of the GISC.

THE ADDED BENEFITS OF INSURING WITH them:
All policies INCLUDE £1 million of public liability cover and £5,000 personal accident cover.
Only pay for the cover you need. 3 policies available - choose from UK only, UK & EU or worldwide cover.
LOWEST PRICE GUARANTEE - If you find the same, or better cover at a lower price (written proof required), they will give 3 months cover free of charge!

Some frequently asked questions about camera insurance -

Am I entitled to the web discount if I telephone to take cover?
Sorry, the discount is only available for online applications.

Is this site secure?
We have a secure server with 56bit encryption on our secure socket layer (SSL), ensuring your details are totally safe and secure.

To give you some idea what level of protection this provides, it would take 1000 computers (at the same time) 20 minutes to crack just a 3 character piece of information eg.''1y6'. A typical credit card number and expiry date is 20 characters in length!

We do not store or keep ANY customer records or credit card details on our server.

Thawte Certificate
We are Thawte certified. This certificate acts as our digital ID card and proves we are who we say we are. To obtain this certificate we have had to prove our identity, location and authenticity.

Lock & Key Symbol
To prove our transaction pages are secure, look in the bottom corner of your browser window for the locked padlock or key symbol. (You must be using Netscape 2.0 or any version of Explorer to see these symbols)

Who are Photoguard?
Photoguard is a leading specialist insurance provider for Photographers and their equipment. We have over 10,000 customers and £50 million of equipment covered with us. We understand your needs and are committed to offering you the best cover for the best price guaranteed.

Can I pay by credit or debit card?
Yes, we accept Visa, Mastercard, Switch, Solo and Delta. Sorry we don't accept American Express or take Electron cards as these need to be swiped. You can also pay by cheque if you prefer. Simply complete the online application and before proceeding to the online payment facility please print out the confirmation page as prompted and send the print out and cheque to our FREEPOST address. Please note, that your cover will not start until we are in receipt of your valid payment and completed application.

How do I take out cover?
Simply select the choice of policy cover most suitable and complete the online application form.

What information do you need to start cover?
We will need your name, contact details, DOB and the make, model, serial number of each item you want to cover, it couldn't be simpler.

What is your '28 day money back guarantee'?
If you decide our cover is not acceptable within 28 days of taking out your policy, we'll refund your premium, (in full within the first 14 days of the policy) or less a 10% minimum £15 time on cover charge between 15-28 days. Subject to no claims being made and upon return of your documentation).

Do you only cover UK residents?
Yes, to be eligible for cover you must be a UK resident and have a UK residental address. Sorry, we are unable to cover you if you are resident in Northern Ireland or the Republic.

Minimum / Maximum Age?
The minimum age we can insure is 16. The maximum age is 75. Public Liability covered by the policy is only available for customers between the ages of 16-75.

What is the maximum value you will insure my equipment for?
We cover equipment on our standard terms up to £15,000 in total value and up to a maximum of £5,000 per individual item. We may be able to cover equipment of a higher value subject to individual consideration. Call 02476 851030 for a personal quotation.

What value should I insure my equipment for?
For items that can be readily replaced with a new one (or with a similar model of like kind, quality and functionality) - the usual new undiscounted replacement cost including VAT from a reputable dealer as at the commencement date of the cover.

Can I add additional equipment or make changes to my policy at any time?
Yes, call us on 02476 851030 or email us with your certificate number and details - including the make, model, serial number and new replacement value of any equipment you wish to add or details you wish to change. We normally make the following charges when making amendments to your policy. Mid term adjustments £5 Minimum, additional premiums are charged at 50% of the extra cost for each 6-month or part thereof. For a change of address we do not make a charge.

Is there excess on this policy?
Our equipment policy does not have an excess (the first part of the claim you would be asked to contribute), but it does have a minimum claim amount of £100. The mandatory Public Liability cover does have a £500 Third party property damage excess, this would only be payable if you were found legally liable for damage to another persons property through your photographic activities.

Do I have to have any specific security on my vehicle or where I keep my equipment?
see Security Requirements

Are there any items you cannot cover?
We cover most items with the exception of consumables such as batteries, films, bulbs, leads and cables.

Do you cover computers/laptops/software?
Yes, we do cover the hardware, but only if its used for "Photographic" purposes e.g.: editing, composing etc...Software can be covered as long as it is purchased as a standard software package and can be reinstated from a back up disk that is kept in a separate location and you have complied with the manufacturers instructions.

Is my equipment covered if I take it abroad/ on holiday?
If you require cover outside of the UK you will need to select either the UK/EU and 30 days policy choice or Worldwide policy if you intend to travel more than 30 days outside of he EU in any policy period. There is no limit on our Worldwide policy on the number of days you are covered for outside of the United Kingdom.

Am I covered if I lend, loan or hire my equipment to another person?
No - Photoguard only covers the equipment when it is in use or in the care of the insured person. We do not cover you if you are hiring your equipment out un-accompanied.

Do you operate a no claims bonus scheme?
Yes, we reward you with 5% off your total annual premium after two years without a claim and 10% after 3 years without a claim.

I have previously made a claim does this affect my cover?
You need to disclose any property related losses or incidents that could have given rise to a loss within the last three years. You must complete this section of the application form as failure to disclose this information could invalidate your cover. You must also disclose any material fact such as criminal convictions for theft or dishonesty, if you have had any previous insurance cover declined or any special terms or conditions applied.

How do I make a claim?
To make a claim, call our claims hotline on 02476 851050 quoting your certificate number. Alternatively, click here to download a claim form, which should be completed and sent to us immediately. If you are abroad and do not have the ability to download a claim form, we can supply by email or fax. Contact us by email at claims@photoguard.co.uk.

How can I recommend Photoguard to others?
We receive a lot of our business through personal recommendation from our existing customers. To reward you for recommending others we will give you a £5 discount from your renewal for every new customer you recommend that takes out cover. You will be supplied with "recommend a friend" voucher when you receive your policy documents.