Frequently Asked Questions – Camera Insurance
Which insurance suits my camera equipment?
Typically, valuables or camera/instrument insurance (separately or as an extension of home contents) with worldwide coverage . For professionals, we recommend a separate policy with clear limits and capacity.
Are outdoor and travel also insured?
With a camera/valuables policy, coverage is usually worldwide , even during travel. Pay attention to the maximum payout per event and any regional clauses .
Does the insurance cover professional use (assignment/company)?
Not standard. Professional/semi-professional use (assignment, wedding, studio) must explicitly included in the insurance. We ensure the coverage is correct.
Fall, impact and water damage: what's the deal?
With comprehensive camera/valuables insurance , sudden, unforeseen damage usually covered. Pay attention to the deductible and exceptions (e.g., moisture/condensation due to insufficient prevention).
Is theft from the car covered by insurance?
Often excluded or only covered to a limited extent (short-term, locked and hidden , with demonstrable break-in ). Advice: don't leave gear in the car.
Are lenses, flashes and accessories covered by insurance?
Yes, include lenses, filters, flashes, tripods, gimbals, microphones, and bags/flight cases with the price . Keep invoices and serial numbers .
What about drones, action cams and studio equipment?
Drones and certain action cameras are sometimes subject to separate conditions (flight risk, registration). Studio gear (lights, modifiers, background) can be insured as part of the set.
Data recovery and memory cards: covered?
Material damage to the card/SSD may be covered by the policy, but data recovery is often not covered, or only to a limited extent. Make backups and use dual slots where possible.
Transport (plane/train) and shipping: insured?
Usually covered with proper packaging and supervision. Checked baggage and unattended situations have restrictions; preferably bring valuables as carry-on luggage.
Can I lend or rent/lease equipment?
Lending is often only covered by the policy to co-users . Renting/letting out usually requires a specific clause or additional coverage.
How is damage handled: repair or payment?
Where possible, repairs should be carried out by certified repairers. In the event of total loss or theft, compensation (insured value/current market value) or replacement .
What information do you need for a quote?
Make/model and serial numbers of body/lenses, value per component, purchase receipt/appraisal , photos , use (hobby/professional), storage/transport, and travel destinations.
More about camera insurance Request a quote
Please note: exact coverage, limits, and prevention requirements vary by insurer. We compare and provide tailored for both amateur and professional photographers/videographers.
