Photoguard Insurance

Our camera insurance protects against theft, accidental damage, and vandalism for DSLRs, compact cameras, and video equipment. Coverage extends to UK and global travel with a purpose-designed case. Security requirements apply for in-vehicle storage and pre-owned items.

Specialist drone coverage includes theft and accidental damage, provided legal operation guidelines are followed. Excludes commercial use and flyaway incidents. Minimum sum insured applies for drones used in photographic activities.

Up to 10m liability protection for property damage or injury claims during photography sessions. Excludes drone use and incidents in North America. Automatically includes 100,000 legal expenses cover for UK disputes.

Up to 2,000 coverage for equipment hire during claims. Available for photographers needing temporary replacements while awaiting repairs or replacements of insured items under active policies.

Automatic 100,000 legal expenses cover within the UK for contract disputes and tax-related legal defence. Includes a dedicated helpline and online portal for legal advice, applicable to policies purchased or renewed after June 2024.

Our policies cover theft, accidental damage, and public liability for cameras, lenses, and equipment. Optional add-ons include legal expenses and global travel protection.

Report theft to police, then contact our UK team via phone or email. Provide incident details and evidence of ownership for prompt processing.

Yes, for recreational use compliant with CAA guidelines. Excludes commercial operations and North American liability incidents.

Yes, pre-owned cameras and lenses can be insured at current replacement value or purchase price, with valuation requirements for vintage items.

Equipment must be stored securely at insured locations. In-vehicle storage requires enclosed compartments with doors/windows locked and security systems activated.

Standard policies include 30 days worldwide travel. Extended global cover available as an optional upgrade for the full policy period.

Purchased via a cash back site and they've declined the cash back. Policy still in place, no reason why declined. Looks like a possible scam.

Avoid this company. Paid insurance on my kit for 6 years and spilt tea on my laptop a few weeks back. I had to pay for the assessment myself, then they finally got back to me and are only covering me 500 with my excess deducted. On a 1700 laptop. And won't let me leave the policy. The customer service is appalling. Had to deal with so many problems over the years - not sending me documents, automatically renewing policies and now wasting so much time/money on my first ever claim with them.

Please read the Small Print. If your lens or camera is damaged and is repairable as most are, be aware of this policy's small print. If the item cost 200 to repair they will not issue an amount of financial cover over that of the item repair cost (200) for the potential hire cost occurred. For example hire could be 500 for the time it takes to repair the claim. You would need to pay the difference of 300 plus the additional excess cost out your own pocket. This isn't fully covering you against all costs that could occur that are not your fault. I thought this was the purpose of insurance? I'm very disappointed and dissatisfied at this point in time.

Horrible company. I haven't taken out any policy with them, but from their customer services team and the way they are ran, here's my observations: -) Customer service team do not get back to you when you say they would check with the underwriter, you have to chase them up to get your questions answer -) The Customer service team does not know much regarding the Policy. Any additional questions on the Policy wording is extremely difficult to get a concrete answer to From what I have experienced with calling them, I would be extremely wary of what will happen when I make a claim.

All the questions I've asked are pretty easy to answer and standard, but no one seems to know. When it comes to claiming something, it would be extremely easy for them to turn around and tell you that you've not understood the Policy correctly, or that you've missed something. Try calling them yourself and see, my advice is to STAY CLEAR!

AVOID 2 Months to refund and still waiting. I've Been insured with this company for years and not had any problem but this year they renewed my policy without notifying me.(which had gone up) and when I phoned up to ask why they just said sorry. I then cancelled the policy same day and they said they would refund straight away. Over a month later I'm still on the phone asking where my refund is. Just been told it could take ANOTHER 5 working days.that's over 2 months to pay me back. Waste of time, ,,

Photoguard have always been very easy to deal with. I've had to claim twice and I've never had any issues putting a claim through!