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Insurance for all types of cameras, from small compact cameras to DSLRs
Whether you’re a pro photographer or simply enjoy taking family snapshots, knowing your camera is protected is vital for your peace of mind.
If you’re hoping to insure your camera against accidents, damages, or theft, but aren’t quite sure where to start – then this handy guide has everything you need to know!
With advice on how much coverage to choose and where to find reliable insurers, protecting your tech will be simple.
What is camera insurance?
Camera insurance is a way to ensure that your tech is kept safe, and that you’ll receive assistance with paying for repairs or replacements if things don’t go to plan.
You’ll pay your insurance provider regular instalments, and in exchange will be guaranteed help with protecting your camera.
Why is insurance important for cameras?
Every camera, lens, or studio light is an investment – and having to pay for repairs or replacements can mean that costs stack up fast.
Having insurance will mean you’re entitled to help with covering all – or the majority of – costs associated with repairing damaged equipment.
It can also guarantee you aid in the event of accidents while travelling, or even theft – which is sure to put your mind at ease when you’re trying out a new photography style or idea!
Is insurance the same as warranty?
Insurance is not the same as warranty. Warranty is a set period during which the manufacturer of a camera guarantees they will repair or replace any faulty items with a proven factory fault. After the warranty expires, you’re not entitled to any help.
Instead, insurance entitles you to much more comprehensive tech assistance, and does not expire for as long as the policy remains active.
Who should have camera insurance?
If you’re not a professional photographer, you may be tempted to avoid insuring your cameras.
However, as cameras are subject to a lot of wear and tear, and can be costly to replace, it’s wise for anyone to secure insurance as soon as they receive a new camera.
Not only will insurance give you the peace of mind you need to truly make the most out of your tech, but it’s actually far cheaper to pay monthly insurance instalments than to replace a damaged camera out of pocket.
What does insurance cover?
The majority of insurance plans will, as a minimum, offer full or partial coverage of all costs associated with repairing or replacing your camera. Many plans will also cover any important camera accessories, such as extra lenses.
Your plan may offer different levels of financial assistance depending on individual circumstances, but it’s best to ensure you select insurance with provisions for travel and theft.
You can also find plans that offer advice helplines and access to emergency repair services – which is especially useful if you rely on your cameras for work purposes.
How do I find the right insurance plans for my camera?
To ensure you’ve found the right plan for your needs, you should always do your research. Look up the providers you’re considering, and read customer reviews where possible.
Providers with a history of rapid assistance and good customer service will be much more likely to give you a good experience.
Not only this, but researching what’s available will also make it easier to compare different providers, and make sure that your chosen plan offers a good variety of benefits compared to others in your price range.