Amateur photographers insurance
Quick and easy photography insurance. Just a click away.
If you’re an amateur photographer or videographer, you’ll enjoy taking photographs and filming for fun, not for a career. Although it's a hobby, we know that your camera and video equipment is probably in use quite often and is therefore at risk from theft or damage. We also appreciate that your equipment is likely to be expensive and might be difficult to replace. That’s why we have developed a way of insuring your camera gear which gives you maximum cover and peace of mind. Our quick quote lets you choose only the cover you need, so you can get instant protection, at a great price, with no fuss.
What does our amateur photography insurance insurance cover?
What's covered
With our unpackaged cover you have the option to insure your equipment, insure yourself for Public Liability or combine both on one policy.
- Camera and photography equipment
We cover theft and accidental damage up to £60,000 on a New for Old basis (for equipment up to 3 years old). You can also opt to include theft and accidental damage to equipment outside of the insured location (i.e your home or studio) up to £30,000. Our equipment cover includes theft and accidental damage to cameras, lenses, stands and tripods, cases, video and audio equipment and accessories.
- Public Liability
Public Liability insurance protects you and your business against claims arising from injuries to customers or members of the public, or for damage to third party property.
What's not covered
- Loss
We don't cover against loss of photography equipment.
- Theft if security requirements haven't been met
We can't insure against theft from the Insured Location unless your photography equipment is kept inside, the security requirements have been met and there is clear evidence of forcible and violent entry or exit
- Theft from an unlocked vehicle
We cannot cover theft from a vehicle unless the equipment is out of sight in a locked luggage compartment with the vehicle securely locked and all security devices in operation.
- Damage to equipment not used within manufacturers guidelines
- Theft or damage of photography equipment kept in a wooden shed or any wooden building
For more information about what isn’t covered under the terms of our photography insurance, please read our insurance booklet.
What's optional
- Mobile phones and tablets
If your mobile phones and tablets are used in conjunction with your photography equipment, you can include this cover within your policy, to provide protection against theft and accidental damage.
- Cover outside of the UK
If you work outside of the UK in any capacity, it’s definitely worth considering adding the option to provide you with cover when working abroad. You can choose from either EU only or Worldwide cover.
- Theft from a vehicle
If you take your equipment with you on the road, you might want to think about including extra cover for the occasions when your camera and gear are left unattended in your vehicle. You can add this extra cover, choosing the amount required up to a maximum of £20,000.
How do you classify an amateur photographer/videographer?
We classify amateurs as photographers or videographers who only shoot photos or videos for fun, and don’t earn any money from it. If you do earn money from your images, our semi-professional options will be a better match for you.
What insurance do amateur photographers and videographers need?
For photographers and videographers who don’t get paid for their work, the biggest risk is likely to be the theft, or damage to equipment. If you transport your equipment, you’ll probably want to make sure that your cover extends to covering it whilst unattended in the vehicle, as some insurers exclude this. As well as equipment, you may also want to consider adding extra cover for mobile phones and tablets or additional cover for when you are outside of the UK.
Do amateur photographers need insurance?
There’s certainly no law to say you have to have insurance if you are an amateur photographer or videographer, so it is entirely optional. That said, most photographers will have some kind of camera insurance to protect their equipment. You'll know better than anyone that cameras, and all of the equipment that goes with them, are expensive to replace and are at risk from theft and accidental damage.
What cover options are available?
We offer cover for damage to your equipment up to the value of £60,000 in total (the maximum amount of portable equipment is £30,000), theft from an unattended vehicle up to £20,000, and mobile phones and tablets up to £1,000.
How much does camera and photography insurance cost?
As with all insurance, the cost of your individual policy will vary depending on where you live, the cover you choose and the amount of equipment you wish to insure. At Ripe, we are committed to giving our customers the best prices we can. We offer discounts for members of Photography Associations and have a Lowest Price Guarantee, so we won’t be beaten on price. Our ‘build your own’ quote also means you don’t pay for any cover you don’t need. Start your quote now.
Does home insurance cover amateur photographers?
It really depends on who provides your home insurance and the cover you have taken out with them. Most home insurance policies will place a limit on expensive items (such as cameras and videomaking equipment), and you might find that there’s very limited cover outside of the home. Specialist photography insurance is likely to give you better cover and might also be cheaper than upgrading your home insurance policy.