Camera insurance

Many photographers simply list their camera as a high-value item on their home insurance or hope that it’s covered on their travel insurance. However, specialist camera insurance has a number of benefits over these options, such as cover for data recovery or replacement hire. And we’ve heard of instances where payout has been refused because the photographer had entered their images to photo competitions – the insurance company judging that this made them ‘professional’ photographers and therefore not covered…

Specialist camera insurance is designed to cover both enthusiast and professional photographers. For example, The Insurance Emporium’s ‘Amateur & Semi-professional Camera Insurance’ policies are for photographers who own less than £25,000 worth of equipment and whose photography work makes up less than half of their income, while their professional policies are for people who earn the majority of their income from photography or have more than £50,000 worth of equipment. Also, professional policies often have more benefits and higher levels of cover.

If you’re looking for camera insurance, The Insurance Emporium is offering N-photo readers 5% off (on top of any introductory discounts) by entering the promo code Nphoto when you reach the checkout*. Visit www.the insuranceemporium.co.uk/nphoto or call 03300 242 525 to find out more. *Offer ends 31/12/18. Applies to new policies only. Not available in conjunction with any other offer. Terms and conditions apply.