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Designed specifically with hobbyist and enthusiast photographers in mind, our Amateur policy provides All Risk camera and photographic equipment insurance that covers all your precious kit at home, or out on shoot and in between the two (even in a locked car*). You can even enjoy the peace of mind that Public Liability cover provides.

Amateur insurance policies are available for those who do not receive any income from their photography or photographic work. For more information on Professional insurance policies please click the Professional policy information tab.

Please Note:
The cover, benefits and premiums for the Amateur policy are shown below. Premiums INCLUDE Insurance Premium Tax @ 9.5%.
*Refer to Policy Wording for definitions and full security requirements.

Benefits Lunar Monthly * Yearly
Theft, Damage & Accidental Loss Maximum 100% of sum insured or market value if less
New for Old Up to the sum insured amount within 3 years of new Up to the sum insured amount within 2 years of new
Hire of Replacement Equipment Maximum of £2,500 (£250 per week) Maximum of £2,000 (£250 per week)
Personal Accident £10,000 £7,500
Public Liability £1.5 million £1 million
Unattended Vehicle Cover Maximum 100% of sum insured or market value if less
Worldwide cover Maximum of 135 days per year (45 days per occasion) Maximum of 90 days per year (45 days per occasion)

Please note that the Amateur plan offers All Risk Cover

Amateur cover - Further Policy Underwriting Information:

Maximum Sum Insured
£25,000
Single Item Limit
£10,000
Items List
A breakdown of all insured items is required, specifying make and model. Serial numbers are also required for items valued £1,000 and over.
Discounts
Online discount 25%
Excess
The excess is the amount you pay towards a claim. It is £50 on all sections except theft from a vehicle where it is £100, theft overseas where it is £200 and public liability where it is £250

Professional photographers depend on their camera and photographic equipment for their livelihood and our specialist Professional policy provides All Risk protection meaning that your camera equipment and photographic accessories are protected at home, at work, on location and everywhere in between.

Our Professional policy includes both Public Liability and Professional Indemnity as standard giving you peace of mind so that you can focus on job at hand.

Our Professional photography insurance policies are intended for anyone who earns an income from photography related work.

Please Note:
The cover, benefits and premiums for the Professional policy are shown below. Premiums INCLUDE Insurance Premium Tax @ 9.5%.

Benefits Lunar Monthly * Yearly
Theft, Damage & Accidental Loss Maximum 100% of sum insured or market value if less
New for Old Up to the sum insured amount within 3 years of new Up to the sum insured amount within 2 years of new
Hire of Replacement Equipment Maximum of £5,000 (£500 per week) Maximum of £3,500 (£500 per week)
Personal Accident £12,500 £10,000
Public Liability £2 million £1.5 million
Unattended Vehicle Cover Maximum 100% of sum insured or market value if less
Worldwide cover Maximum of 240 days per year (60 days per occasion) Maximum of 180 days per year (60 days per occasion)
Props cover Up to £1,500 Up to £1,000
Accidental damage to portfolio (owned by photographer & client) Up to £2,500 per portfolio Up to £2,000 per portfolio
Professional Indemnity £2 million £1 million
Business Interruption Up to £5,000 per incident Up to £3,000 per incident

Please note that the Professional plan offers All Risk Cover

Professional cover - Further Policy Underwriting Information:

Maximum Sum Insured
£50,000
Single Item Limit
£35,000
Items List
A breakdown of all insured items is required, specifying make and model. Serial numbers are also required for items valued £1,000 and over. (This includes lenses, filters, lighting, props etc).
Discounts
Online discount 25%
Excess
The excess is the amount you pay towards a claim. It is £50 on all sections except theft from a vehicle where it is £250, theft overseas where it is £200 and public liability , professional indemnity and business interruption where it is £250

* A lunar month runs for and premiums are collected on equal periods of 28 days; automatically renews every 28 days

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