… Or you’ve just dropped it 200-feet during an aerial shoot. What are you going to do?

With typical SLR photography equipment costing hundreds and even thousands of pounds, any loss or damage could be rather expensive to rectify.

It’s possible that a household contents or travel insurance policy would cover any damage or loss, but it’s worth checking what restrictions are in place e.g.

  • If you’re covered for everywhere you’re likely to go - you may not be covered whilst you’re traveling or for the complete length of your trip.
  • If you’re covered at all times - some policies might have time restrictions e.g. leaving equipment unattended in a car overnight.
  • Whether all of your equipment is insured - there may be an upper limit on the value of a single insured item.
  • There may be minimum security requirements that must be met.
  • Whether you’re covered if you’re earning money from photography - professional photographers usually attract different rates. Make sure you’ve got the right sort of cover.

With specialist insurance cover available from under £100 per year, it makes good sense to get your expensive equipment covered as soon as possible if it’s not already covered by an existing policy.

Here’s a few UK-based insurers to get you started:

For that extra bit of security, you could also invest in a safe. They’re becoming quite popular and can even be purchased at your local B&Q store for under £50.

I’ve had my camera gear for a few weeks now, but have only just got separate insurance cover for it.  I do feel better knowing that it’s all covered now.