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Photographer status
Which of the following best describes you:
We’d like to know...
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Are you a member of any of the photography organisations listed below?
We provide a 10% discount to members of certain photography organisations and trade bodies
I’m not a member of any of these organisations. Skip >
Your equipment
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What is the total value of the photography equipment you’d like to insure?
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Of this, what is the maximum value of equipment you would take away from your premises/home? (optional)
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Additional cover
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It is part of the policy conditions that you must have a factory fitted alarm on your vehicle for cover of £5,000 and above.
See full details in the Policy Wording
Note: These items can be removed at a later stage of the quote should you change your mind.
Would you like to add cover to include theft from a vehicle?
Yes
Enter the value you’d like to insure
Excess for this cover
There are variable policy excesses for photography equipment and theft from a vehicle. You can choose which excess suits you in a moment.
Your current insured value is: {{acCtrl.policy.TheftFromVehicleCoverValue | currency:'£'}}
Would you like to add mobile phone and tablet cover for {{acCtrl.getOptionsCosts().MobilePhonesAndTabletsPremium.GrossValueIncludingIpt | currency:'£'}} per year?
Provides cover for mobile phones and tablets up to a maximum of £1,000 in value.
Add hired-in equipment cover for {{acCtrl.getOptionsCosts().HiredInEquipmentPremium.GrossValueIncludingIpt | currency:'£'}} per year?
Provides cover for equipment that you have hired under a hire agreement, up to a maximum of {{acCtrl.getMaximumCoverForHiredInEquipment() | currency:'£':0}}.
Add cover to include hire of equipment following a claim for {{acCtrl.getOptionsCosts().EquipmentHirePremium.GrossValueIncludingIpt | currency:'£'}} per year?
Provides cover for hire of equipment following a valid claim for theft or damage to photography equipment. Includes cover up to £500 per week and £2,000 in total.
Add cover for accidental damage or theft of your portfolio for {{acCtrl.getOptionsCosts().AccidentalDamagePremium.GrossValueIncludingIpt | currency:'£'}} per year?
Provides cover for the value of materials and labour required for reproducing, re-laminating and re-printing, up to a maximum of £2,000.
Add Professional Indemnity cover?
Provides cover for compensation claims and legal fees that may arise if one of your clients suffers a financial or professional loss due to negligence in your work.
£{{acCtrl.ProfessionalIndemnityCost[1].Indemnity / 1000}}k
{{acCtrl.ProfessionalIndemnityPremium(2) | currency:'£'}}
£{{acCtrl.ProfessionalIndemnityCost[2].Indemnity / 1000}}k
{{acCtrl.ProfessionalIndemnityPremium(3) | currency:'£'}}
Would you like to add Employers' Liability cover?
Provides cover up to £10m for compensation claims if you are negligent in causing injury or illness to your employees whilst they are working for you. If you employ people, this is a legal requirement.
Add
How many employees do you have?
This cover will cost you {{acCtrl.elMatrixPremium() | currency:'£'}} per year. Add it to your quote?
Yes
No thanks. Skip >
Email address
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Please enter your email address
Policy excess
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Select the policy excess for your equipment cover (accidental damage and theft from the home)
An excess is the amount of money you pay towards a claim for loss of or damage to your equipment. The standard policy excess for this cover is £150 or 7.5% of any claim, whichever is the highest. You can choose to amend this to an amount that suits you. A higher excess will mean a lower premium but more to pay if you have a claim. If you have selected theft from a vehicle cover, you will have a separate excess for that cover. See below for explanation.
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  • £0
  • £75
    or 5%
    of claim*
  • £150
    or 7.5%
    of claim*
  • £250
    or 7.5%
    of claim*
  • £500
    or 7.5%
    of claim*
Theft from a vehicle excess
As the risk of theft from a vehicle is higher than from home, the excess for this cover can be slightly higher. The excess you choose above will determine the level here. £150 or 12.5% of the claim value is the standard excess.
{{peCtrl.getPolicyExcessValue()}}
*Whichever is the highest amount
Public Liability
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Do you want to add Public Liability insurance?
Provides cover if you injure a third party or cause damage to their property whilst at work.
I don’t want Public Liability. Skip >
Public Liability
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Choose your level of cover
You can choose the level of cover from £1m to £10m below. The level of cover you might need will depend on the type of work you do. Some of the companies, event organisers or contractors you work for may specify that you need a minimum amount of Public Liability insurance to work for them, eg. £2m, £5m or £10m.
Provides cover for your costs, expenses and legal liabilities if you are deemed liable to pay compensation for any accidental injury, or damage to property, caused by you as a photographer or videographer. You can choose the level of cover from £1m to £10m below.
  • £1m
  • £2m
  • £5m
  • £10m
  • {{pllCtrl.plMatrixPremium(pllCtrl.liabilityLevelIds.oneMillion) | currency:'£'}}
  • {{pllCtrl.plMatrixPremium(pllCtrl.liabilityLevelIds.twoMillion) | currency:'£'}}
  • {{pllCtrl.plMatrixPremium(pllCtrl.liabilityLevelIds.fiveMillion) | currency:'£'}}
  • {{pllCtrl.plMatrixPremium(pllCtrl.liabilityLevelIds.tenMillion) | currency:'£'}}
£{{pllCtrl.getLeabilityValue()}}m Public Liability – Provides cover up to £{{pllCtrl.getLeabilityValue()}} if you injure a third party or cause damage to their property.
£{{pllCtrl.getLeabilityValue()}}m Public Liability – Provides cover up to £{{pllCtrl.getLeabilityValue()}}m if you injure a third party or cause damage to their property whilst at work.
Associates Cover
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Would you like to add Associates cover for {{controller.associatesCoverCost() | currency:'£'}} per year?
Extends any cover selected to those working, helping or volunteering with you. Associates are only covered when working with you at a shoot. It does not cover a second photographer to be working independently.
I don’t want Associates cover. Skip >
Legal expenses cover
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Would you like to include Legal Expenses cover for {{leCtrl.expensesCost() | currency:'£'}} per year?
Covers the costs of any occupational legal expenses and preliminary legal steps up to £25,000. Cover includes criminal prosecution defence, contract disputes, debt recovery, tax disputes, jury service and social media defamation.
I don’t want Legal Expenses cover. Skip >
Territories
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Your cover is currently limited to within the UK only. Would you like to add EU or Worldwide cover from just {{tcCtrl.minimalPremium() | currency:'£'}} per year?
Upgrade your insurance to provide cover outside of the UK (maximum 45 days any one trip, 90 days in any one policy year).
EU
{{tcCtrl.territoryPremium(2) | currency:'£'}}
Worldwide
{{tcCtrl.territoryPremium(3) | currency:'£'}}
I only need UK cover. Skip > 

Your quote

including Insurance Premium Tax and Admin Fee
including IPT and Admin Fee

Monthly*

{{footerCtrl.photographyFooter.monthlyEquivalent | currency:'£' }}

or

Annual

{{footerCtrl.photographyFooter.policyPremium | currency:'£'}}

*Represents monthly equivalent over 12 months. Actual payments will consist of an initial 20% deposit followed by 9 equal instalments by Direct Debit.

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© 2019 Ripe Thinking Limited

Ripe Insurance Services Limited is Authorised and Regulated by the Financial Conduct Authority No.313411. Registered office: The Royals, Altrincham Road, Manchester M22 4BJ. Registered in England No 04507332.