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Photographer status

Which of the following best describes you:

Amateur photographer You take photographs for fun and do not earn any money from it

Semi-Professional photographer Your photography earnings make up less than 50% of your annual income

Professional photographer Your photography earnings make up more than 50% of your annual income

We’d like to know...

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

Your equipment

What is the total value of the photography equipment you’d like to insure?

Enter the value of your camera, lenses, lighting, video and audio equipment, props and accessories, laptops, desktops and printers (as long as used primarily in conjunction with other photography equipment) here. The minimum is £500 and the maximum amount is £60,000.

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Of this, what is the maximum value of equipment you would take away from your premises/home? (optional)

If you take any equipment away from your premises, you should confirm the value of that equipment here. E.g camera value if this is the only equipment that leaves your premises. The minimum cover is for items over £500 and the maximum is £30,000. If you do not take any equipment away from your home/premises please leave blank.

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Additional cover

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?

Provides cover against theft of your equipment whilst it is in your vehicle. Enter the value that you’d like to insure below. The amount of cover cannot exceed the amount you entered in the portable equipment section previously. The minimum is £500 and the maximum amount is £20,000.

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.

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 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

Email address

Please enter your email address

I'm happy to receive communications regarding my quote, plus exclusive offers and newsletters from the Ripe Group. Your data is safe with us and you can unsubscribe at any time. For more information, please see our Privacy policy.

Policy excess

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.

*Whichever is the highest amount

Public Liability

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.

Public Liability

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

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.

Legal expenses cover

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.

Territories

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:'£'}}

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Your quote

Monthly*

Annual