PHOTOGRAPHY
INSURANCE

Our policy will only cover theft of items during a flight if they are in your carry-on luggage and therefore under your supervision.

Items entrusted to the airline as checked in luggage for transport in the hold are not covered for theft or loss, but will be covered for accidental damage if they are in a purpose made equipment case.

If you cannot take your equipment as carry-on luggage, the airline you are travelling with may be able to offer an increased carry-on limit or an upgraded cover for theft of valuable items from checked in baggage by your paying a supplementary fee. You will, however, need to discuss these options with the airline.

We don’t put an exclusion period on your policy for your general cameras equipment, however accidental damage cover is excluded for the first 28 days if you insure any drones, mobile phones and tablets.

All items being insured must be in full working order at the time you take out insurance with us.

We require you to specify the following equipment on your policy;

• Drone/UAV
• Any computers or laptops.
• Individual Items of equipment over £2,000

If you have any of these items but fail to specify them, they will not be insured.

Eversure will include theft from a vehicle as standard when you insure your equipment. The vehicle needs to be locked and the equipment needs to be out of sight.

However, the policy will not respond if you leave your equipment in a vehicle when it is at your home address.

As set out in our Security Requirements, the vehicle must also have a factory or professionally fitted alarm which is set and operational, and there must be evidence of forcible and/or violent entry to and/or exit from the vehicle for a theft claim to succeed.

Your equipment will be covered if you lend it to members of your immediate family.

Additionally, provided you enter your company name during the purchase process, any of the employees of your business will also be able to use the equipment and receive the benefits of your insurance policy.

We can insure individual photographic equipment of up to £15,000 as standard. Should you have single items of equipment valued at more than this, please call us to discuss.

We can insure photography equipment left in a caravan so long as the caravan is securely locked.

In order to ensure that your item is insured for the correct amount, please observe the following:

For items purchased new

• Insure the item for the current usual, undiscounted, UK retail price.

For used or pre-owned items purchase by you

• The current market price of an equivalent item taking into account age and condition

1. If you purchased a kit (for example a camera body and lens together), you must insure each part of that kit for the current usual, undiscounted, UK retail price as individual items.

2. If the item is no longer available, insure the item for the nearest available item and keep a copy of your rationale for the higher price.

3. If the item is vintage, obtain a valuation or repair invoice, no more than 3 years old, from a reputable dealer/repairer showing the item make and model.

4. If you bought your equipment outside the UK, that’s fine, but you need to insure it for the UK value of replacement.

5. If you under-insure the item, you will only receive the amount that you have insured the item for, less the applicable excess.

You should review the value of the Insured Items regularly to ensure Your sums insured are sufficient and renew valuations for rare or vintage items at least every 3 years thereafter.

Yes, if you bought your equipment outside the UK, that’s fine, you just need to insure it for the current, undiscounted, UK retail price as individual items.

Yes, if you’d like to add or remove equipment or change anything else on your policy, you can do so by getting in touch with us. The easiest way to do this is by using the contact us form, with your policy number, name, date of birth and a list of the changes you’d like us to make.

There may be an additional or return premium due depending if you are adding or removing cover. We also charge an administration fee for making changes to your policy. Please refer to your policy terms and conditions to confirm what this is in relation to your contract.