Camera Insurance

What is camera insurance?

The purpose of Camera insurance is to do what it says on the tin; to provide you with cover and financial protection in the event that your camera, or any of your photography, videography, or computer equipment is stolen, lost, or damaged. Camera policies will go a step further than warranties, keeping camera owners and photographers covered against more than just mechanical breakdowns. 

Our camera insurance has all photographers & videographers covered

Camera Insurance has been behind the lens for over 25 years, supporting those in the photography industry with bespoke insurance policies. From professional photographers, videographers, studio owners, and freelancers, we offer all the cover generally required by a photographic business based in Ireland and allow for the production of a policy dedicated specifically to the requirements of the business. 

It doesn’t matter how much experience you have behind the camera, producing films or taking photographs, our insurance policies are available to cater for whoever needs it, whether you’re a: 

• Amateur photographer 
• Semi-professional photographer 
• Professional photographer 
• Student 
• Videographer 
• Trade body or camera club 

If photography or videography is your job, you also have the option to add various different business-related cover add-ons to complement your photographers insurance policy. 

Is getting a camera insurance policy worth it?

Whether Camera insurance is worth it or not depends on your own individual circumstances. Whilst a standard camera insurance policy might be able to provide the cover you need to protect your camera equipment or items needed to support film production; you can also protect your business interests: 

For example, if you are a professional photographer, 

• What if someone trips over your photography equipment and they didn’t file a claim against you? Public liability cover can make sure legal costs and compensation fees are covered. 
• Or, in the unfortunate event that a client is disappointed with a photographer’s work and makes a claim, that’s where professional indemnity cover can help.   

You need to be able to ask yourself these questions before deciding whether to buy camera insurance or not: 

• How expensive is your photographic and computer equipment? 
• Can you afford to pay for it to be fixed out of your own pocket if it gets damaged or stolen 
• How likely is it that your photography, whether it be a hobby or a job, could lead to an accident involving your camera equipment?   

Having peace of mind is priceless, and getting a comprehensive camera insurance policy from Howden can give you that. 

How to calculate the cost of your camera equipment insurance?

The amount you can expect to pay for your camera insurance will vary depending on multiple factors. Camera insurance premiums are calculated based on: 

The policy type you opt for 

More comprehensive policies are likely to be more expensive than basic camera insurance packages. Having multiple add-ons will impact premiums too. 

Where you live or plan to travel internationally 

Some locations have higher levels of risks associated with them, which is noted by insurers. 

Policy excess 

The amount of excess you would need to pay in the event of a claim will have an impact on the cost of your policy. For this policy, excesses are applicable for the following: 

• Standard claim 
• Subsidence/landslip 
• Theft from an unattended vehicle 
• Liability claims 
• Professional Indemnity 
• Third Party property damage 

The value of your camera equipment 

How much all your camera kit costs will determine the amount you’ll need to pay for a policy. The more valuable your belongings are, the higher your insurance premium will be.