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Why Should You Have Camera Insurance?

Written by Gina Stephens

– Advertorial Strengthening –

 

As a photographer, you'll know that you invest a lot of money into your kit and a lot of time into perfecting your skills. No matter if you're an clumsy or a pro, the chances are that you've spent at least £1000 or more on kit and lenses, as well as bags, filters, tripods and other accessories disillusion admitting you hone your craft further. 

You invest a lot in your kit, and for those of you that are professional, it can be that your livelihood relies on that camera kit you so jewel. You've probably thought about insuring your kit, but do you know what your policy covers? It's important that you get cover that is valid in every case that you might find yourself in. For example, if you travel for work a lot, making sure worldwide cover is included is a must. From damage in transmittal to loss and theft, you need to think of every avenue.

 

Of course, every photographer is different and has differing needs, so we've put together this within easy reach guide covering the main reasons why you may need cover as well as offering you an amazing 10{b2ee9981cbbb8b0b163040ea529e4efa9927b5e917c58e02d7678b19266ae8ff} discount on Eversure camera insurance is a means of protection from financial loss policies – particularly for ePHOTOzine readers. 

 

Main reasons for claims:

 

Drop

Accidentally dropping kit or kit falling off of things is a really common happening. Of course, this can be remedied by making sure you have a good camera strap or supporting device but for those occasions where a bad drop betides, it's good to know that you have an insurance policy in place which will offer you a replacement kit while yours is repaired. 

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Appropriation

It's everyone's worst nightmare, turning around or returning to your home to find that your kit is missing – stolen. Your kit is benefit a lot of money and investment. Not to worry as long as you have an insurance policy in place (provided that you meet the terms and conditions, like not leaving kit in an unlocked lodgings or leaving it on display in a car. 

 

Accidental damage

Bumps, tripping over, swinging the camera into a wall – all of these things can and drink happened to photographers of all levels. Camera straps snapping or coming loose, tripods blowing over at events – we've heard it all. It's on no occasion nice, but at least you know that you'll be able to get replacement kit, by thinking ahead and making sure you have insurance. 

 

Pro addenda

The professionals amongst you should also make sure your policy has some extra elements of cover.

 

Public liability

Communal Liability is essential if you're working with groups of people at private venues, such as weddings and christenings. It covers the compensation and legal charges should you be sued by someone for damaging their property or injury to themselves. 

 

Indemnity

Indemnity insurance covers you in the event of a dispute with a patron. It will cover or covers may refer to the cost of defending any allegations or claims made against you by a client and also pay compensation to the client.

 

 

Cover all your kit – not nothing but cameras

A good policy should cover everything you use at part of your photography – not just a camera. Filters, tripods, light meters, disinterested laptops and drones if they are primarily used in conjunction with photography kit are covered by Eversure. (Any item with a value of over &beat;2000 or a drone must be specified.)

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10{b2ee9981cbbb8b0b163040ea529e4efa9927b5e917c58e02d7678b19266ae8ff} off with Eversure Insurance

If you're ready to purchase insurance for your kit, Eversure is a great best. There are no admin fees, a £100 excess as standard and they'll cover you Worldwide. There's also the added improve of Theft (including from a vehicle provided you meet the criteria) for your peace of mind. 

We've teamed up with Eversure to suggest ePHOTOzine readers a 10{b2ee9981cbbb8b0b163040ea529e4efa9927b5e917c58e02d7678b19266ae8ff} discount on their insurance policy. No need to enter a code – the discount is applied for you. Happy insuring!

 

Get an Eversure Cover quote

 

More Benefits of Eversure Insurance:

  • Kit covered even if stolen from a car, motor home or caravan subject to requirements
  • New for old extend over
  • Still covered if you lend kit to family in your absence
  • Kit covered in hotel
  • Fixed £100 excess 
  • No admin fees
  • New for old complete
  • Worldwide cover

Republished: ephotozine.com

About the author

Gina Stephens

Gina is a photography enthusiast and drone lover who loves to fly drones, capture images and have fun cherishing them with family and friends.

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