Do you have insurance cover for you camera.

I got a renewal letter for my home insurance yesterday, so I thought I would give them a quick ring, just to make sure my camera equipment is covered away from home.

After a quick conversation to explain I needed cover for the cameras where ever they are. so I got personal possession cover, not just for the cameras, it also covers other items like, mobile phones, tablets, and laptops.

So they are now covered against loss or accidental damage, and it was only a extra £2 a month.

Last year I spent many hours going through my requirements with L&G in the UK as we have quite a lot of gear. I thought I was happy until I rang to add another lens to the policy and was told I never should have been allowed to insure all the gear as they only do simple insurance nowadays. I was told to find an alternative insurer.

I ended up with NFU in the UK who seem very good and got the underwriters to verify all the gear and places I may use it like at our holiday home. It was not cheap insurance but I think it will actually pay if needed. I chose them as a guy I know dropped a 24-70 and D800 in a river and they paid without quibble.

All I would say is beware of home insurance unless you read all the small print and exclusions. For example, my L&G policy only insured up to £2k in the car which was not obvious from the policy wording. Not much use if you are transporting £15k of gear!!

To put it into perspective, my NFU insurance is not a lot cheaper than specialist photo insurance, so if someone is doing it for a small addition beware. Admittedly if you only have a smallish amount of gear it won't be too expensive.


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Geoffc said:

All I would say is beware of home insurance unless you read all the small print and exclusions. For example, my L&G policy only insured up to £2k

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Yes that's what they said to me, covered to £2k, while away from home, which is fine for my camera equipment, they did say if I add more, or to change the cover just ring them.

We added my gear to our home insurance, fully covered and for £1500 per item cover it cost just £5 a month. Now I have a new lens, I really need to double check that EVERYTHING is covered.

I added all of my gear to my homeowners policy as well....and remember as you sell and/or trade stuff, keep everything updated through your insurer. You don't want to be paying extra for what you no longer have.

Funny that. I'm with L&G and on contacting them about my camera stuff, they told me that as long as any one item doesn't exceed £2000 they're covered in the house up to that value. I am actually pushing my luck with a couple of pieces, and i ought to get cover for them really

jaydean said:

Funny that. I'm with L&G and on contacting them about my camera stuff, they told me that as long as any one item doesn't exceed £2000 they're covered in the house up to that value. I am actually pushing my luck with a couple of pieces, and i ought to get cover for them really

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In the house is not an issue as it's just a possession like anything else up to a specified or non specified amount. It's articles away from the home that causes an issue. Not only that, some may say holiday homes are not covered unless locks comply with x,y and z, or cars need a boot not an estate. Read all the small print.

I just became aware that I could often be putting £15k+ of camera gear and electronics in my car when I go away for the weekend. I spent time discussing it in detail with the underwriters at L&G and they said I should look elsewhere. If you have a couple of k worth you may not have an issue. NFU did a tailored policy for me.


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I had to take out a separate rider on my house insurance because of the total value. It costs me about $ 150.00 a year, but everything is covered 100 % for replacement, against theft, loss, fire, & droppage, anywhere.