FREQUENTLY ANSWERED
QUESTIONS

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

Yes, we charge a cancellation fee. Please refer back to our policy terms and conditions which have been emailed to you following purchase, to confirm what this is relating to your contract.

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.

Cover is provided when equipment is stored in a self-contained, securely locked room or securely locked cupboard with the keys removed and any security devices set and operational and there is evidence of a break in.

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.

No, there’s no maximum age of equipment we cover. Any vintage equipment will need to be valued within the last 3 years.

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 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.

Making a claim is really straight forward. You just need to complete our online claim form, including as much detail as you can regarding what happened, where it happened and what has been lost/damaged.

For more information visit our claims page

Your equipment will not be covered by our policy if you leave it unattended in a tent. You can however keep the equipment in a vehicle, so long as the vehicle is locked and alarmed, the equipment needs to be kept in the vehicle’s storage compartment and out of sight.

No, the policy will not respond to general breakdown of your camera or wear and tear. There must be an identifiable incident that caused the damage to your camera in order for the policy to respond.

The policy doesn’t provide theft cover for photography equipment that is left in a top-box of a motorcycle. However, the policy would respond if the camera equipment was damaged in a road accident whilst stored in the top-box.

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.

Yes, the following activities are excluded:

• airborne activities
• caving
• potholing
• mountaineering (involving the use of ropes and harnesses)
• rock-climbing
• motor sports
• stunt work
• underwater activities
• water sports
• naval, military or air-force service operations

We can only offer insurance to UK residents at this time.

Additionally, residents of The Isle of Man and the Channel Islands are not permitted to purchase our photography insurance.

To qualify as a valid UK resident for the purposes of our Photography Insurance, you will have spent at least the last 6 months in the UK and will remain a UK resident for the duration of the policy.

The standard limit of photography equipment on our policy is £100,000, however if you have more equipment than this, please give us a call.

Evidence of Ownership is one or all of the following:

• an original receipt, invoice or credit agreement showing the item, amount paid, date of purchase and, if available, the retailer’s details. Where the item comprises a Mobile Phone this must also show the make and model and, if capable of connecting to a mobile network, the IMEI number
• a date and timestamped photograph of the item (showing serial numbers where possible) with the owner’s driving licence or passport included in the photograph
• a valuation or repair invoice, no more than 3 years old, from a reputable dealer/repairer showing the item make and model

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.

The following security requirements need to be followed for theft of your photography equipment to be included;

At the Insured Location:

• All easily accessible external doors, windows or other openings are securely locked (or fixed permanently shut on the inside) and any security devices are set and operational
• The Insured Items must be stored within the main building at the Insured Location, which must be of standard construction
• For Sums Insured exceeding £20,000 a National Security Inspectorate approved and maintained alarm is also required, which must be activated in addition to the above requirements

Away from the Insured Location:

• The Insured Items must not be left Unattended at any time unless inside a locked room or locked cupboard and any security devices are in operation

Unattended Vehicle:

• The vehicle is securely locked at all points of access with all keys removed from the vehicle and all doors, windows and other openings fully closed
• The vehicle must have a factory / professionally fitted alarm, which is set and operational
• There must be evidence of forcible and/or violent entry to and/or exit from the vehicle
• The Insured Items must be stored in a Locked Luggage Compartment, out of sight
• When parked at the Insured Location, the Insured Items must be removed from the vehicle and stored within the Insured Location

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.

Any country or region other than those where the Foreign, Commonwealth & Development Office has advised against all travel or all but essential travel. (For a complete list please refer to the GOV.UK foreign travel advice.)

Yes, if your laptop is primarily used in conjunction with photo/video editing/processing then this can be included, just list it as a specified item when requested in the journey.

We can also offer cover for mobile phones and tablet computers for professional and semi-professional photographers.

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, we can include Professional Indemnity cover, this covers costs which you may become legally liable to pay as a result of negligent services or advice provided by your business. We offer two options, either £75,000 or £150,000.

We don’t include a separate receipt or invoice. The price breakdown is included in the certificate of insurance. Your accountant should accept this as a valid receipt.

Quite often we get asked for ‘VAT Invoices’. There is no VAT on insurance, instead you pay Insurance Premium Tax which unfortunately is not reclaimable from HMRC.

You will need to be 18 years old and over to purchase a Photography insurance policy.

No, unfortunately we only provide annual policies.

You can pay for your policy in full by using any UK credit or debit card, including American Express.

If your policy is valued at over £75.00, we offer the facility to pay in instalments via our finance provider; Premium Credit Limited.

When purchasing, you will pay a deposit to Eversure. Your remaining payments will be collected by Premium Credit Limited, and your first monthly repayment will be collected one month after the start date of your policy.

You will receive a welcome pack from Premium Credit Limited by email within 14 days, which will include a repayment schedule. Please read it carefully and sign the Credit Agreement as soon as possible. A £10 charge may be incurred if you fail to sign the credit agreement.

If you change your mind you can cancel the credit agreement free of charge within 14 days of purchase, you will have to make alternative arrangements to pay the balance of your insurance policy.

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.

Yes, we can offer four levels of cover. You can either include this on to a policy alongside your equipment or alternatively as a stand-alone policy.

Cover levels available:

• £1 million
• £2 million
• £5 million
• £10 million

After purchasing our insurance, should you decide that the insurance no longer meets your requirements, you are entitled to cancel this insurance policy by notifying Eversure in writing within 14 days of either receiving the insurance policy confirmation OR the start of your Period of Insurance, whichever is the latter. You will receive a refund of the premium paid, less the cancellation fee as per your policy terms and conditions.

You are entitled to cancel this insurance policy after the cooling-off period stated above as well. Any return of premium due to you will depend on how long the Policy has been in force and less the cancellation fee as per your policy terms and conditions.

Please note:

If you have made a claim, no refund is due.

Administration fees (where applicable) are not refundable.

How to cancel your Camera Insurance

If you would like to cancel your policy, please use the contact us form here. We will usually process your cancellation within 2 working days and send a confirmation to the email address supplied. (Our opening hours are Mon–Fri 9am-5.30pm, excluding public holidays)