E&L Insurance

Online Discount

E&L® Camera Equipment Insurance provides superb, low cost cover

  • Cover available for equipment valued up to £20,000
  • Policies for amateur and professional photographers
  • Choice of cover: Room Only and All Risk
  • Theft, damage and accidental loss, replacement hire, personal accident and public liability cover included as standard
  • Up to 2 years new for old cover available
  • Optional extensions: Unattended vehicle cover (all risk policy only); Unlimited worldwide cover (all risk policy only)
  • 25% online discount

Buying camera equipment can be an expensive investment and it is an unfortunate reality that theft can be a major problem. It makes sense to protect your camera and equipment with quality insurance from E&L®. We are confident that you will find a camera insurance policy to suit your needs.

Cover for amateurs and professional photographers available:

  • Amateur: Camera and equipment not used for business purposes or to earn an income
  • Professional: Camera and equipment used to earn an income from photography

Choose Room Only or All Risk cover:

  • Room Only: Insurance cover is provided inside the risk address only. For example, in a photographic studio.
  • All Risk: Required if photographic equipment is to be removed from risk address. For example, to a shoot or abroad. Ideal camera equipment insurance policy for mobile photographers.

Check our Photographic FAQ's and out Camera hints and tips sections. Read more.

Camera Equipment Policy Information

  Monthly1 Yearly
Theft, Damage and Accidental Loss 100% sum insured or market value if less
New for Old 100% within 2 years of new 100% within 1 year of new
Hire of Replacement Equipment £1,500 £1,250
Personal Accident £7,500 £5,000
Public Liability £1.25m per incident £1m per incident

Security Requirements

Please see our Camera Equipment Security Requirements document.

Excess

The excess is the amount you pay towards a claim. It is 7.5% of the insured loss with a minimum of £150 for all sections except Public Liability where it is £250. For theft from vehicles/certain public areas the excess becomes 12.5% of the insured loss with a minimum of £250 for all sections. The excess is double for overseas claims.

1. Lunar monthly policy (more information)

The following discounts are available on E&L® Camera Equipment Insurance:

  • 25% online discount

The total maximum discount per policy is 25%.

Introductory discounts provided only apply to new policies taken out online.

To be eligible for E&L® Camera Equipment Insurance the following conditions must be met:

  1. The policyholder is a UK resident aged over 18 years
  2. You must meet our security requirements

Please see the Camera Equipment Insurance Policy Wording for full eligibility criteria.

Policy Summary

The policy summary gives an overview of the benefits of our camera equipment insurance provides

Camera Equipment Insurance Policy Summary

Policy Wording

The policy wording outlines full details of our camera equipment insurance terms and conditions.

Camera Equipment Insurance Policy Wording

To view the above PDFs Adobe Reader must be installed.

Register a Claim

Several of our claim forms are available to download online in PDF format. After completing the form you will be provided with a download link to your requested claim form which you can simply print out, fill in and either fax or post to us.

To complete the form please click here

View our Testimonials pages.

Photography Insurance FAQs

If the following FAQs don't answer your query please have a look at our General FAQs or our Leisure and Lifestyle Insurance FAQs sections.

  • Am I covered if I lend, loan or hire my photography equipment to another person?

  • No, the cover is only applicable to you.

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  • Are there any photography items you cannot cover?

  • We cover most items with the exception of consumables such as batteries, films, bulbs, leads, memory cards and cables. Laptop equipment and computers can be covered if they are used in conjunction with the photographic equipment and business.

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  • Can you cover camcorders, binoculars/telescopes?

  • Yes, all theses items can be insured.

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  • Do you cover underwater camera equipment?

  • No, unfortunately we don't. This is something we may introduce in the future.

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  • Do you insure photography studios?

  • We are able to cover the photography equipment owned by you within the studio, although we are unable to insure the building itself.

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  • How do you determine whether I need the amateur or professional photography policy?

  • If any monetary gain is made from the sale of your work you would require the professional cover, even if this is not your main source of income.

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  • Is my photography equipment covered whilst I am abroad?

  • 30 days worldwide cover is included as standard on the policy. Should you wish to extend the duration beyond 30 days we provide an optional worldwide cover extension.

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  • Is there a limit for any single item I propose to insure?

  • The single item limit on this policy is £7,500.

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If you love photography, camera insurance is an essential bit of gear!

It doesn't matter if you're an amateur or a professional - photography equipment is expensive! From the camera itself and memory cards, to more specialist items like lenses, flash guns and tripods, it's easy to accumulate and use hundreds - if not thousands - of pounds worth of gear.

And whether or not the kit is used as part of your livelihood, it would certainly be a shame for any of it to become damaged or go missing.

That's why E&L offers camera insurance policies specifically designed to cover your equipment. Whatever type of photography you do, getting camera insurance from E&L is a wise decision that will protect your investment and give you the freedom to explore and enjoy this exciting art form.

To find out more about the photography insurance from E&L, why not get a free online quote today? You'll be delighted at the cover it provides and the low prices - and if you have any other questions, please don't hesitate to get in touch.

What to focus on when choosing camera insurance

If you're thinking about purchasing camera insurance, you should seek a policy that covers your specific needs. In most cases, this means something that can be customised depending on whether you're an amateur or a professional, and for the amount of photography that you do.

With photographer insurance from E&L, you can also choose from room-only insurance that covers you only in a specific premises, as well as all risk plans that provide protection in places around the country, or even worldwide, and they can even include unattended vehicle cover.

Our photography insurance is offered on cameras and equipment valued up to £10,000 and includes protection against theft, loss, vandalism or accidental damage. New-for-old replacement is included on items up to two years old. Policies also come with public liability as standard.

There are two payment options available on all of our camera insurance plans: yearly and monthly. The monthly plan is based on the 28-day lunar calendar and for many customers, it is the ideal option as it offers a lower monthly payment with a higher level of coverage.

You can also benefit from an additional 25% discount if you purchase your photography insurance online.

A picture-perfect choice: UK camera insurance from E&L

Here at E&L, we take great pride in offering the types of insurance that our customers require. We've been providing cover for niche sectors for more than 70 years and during that time, we've built a reputation for friendly customer service and reliable policies that offer just the right level of cover.

If you combine your love of photography with other pastimes - like camping, travelling or cycling - we offer coverage for those too. And since all of our policies are backed by the Financial Services Authority, you can rest assured that your equipment, your health and your finances are all protected.

To find out more about our photographer insurance, please take a look at our photography insurance FAQs. If you're just getting started out in photography, be sure to check our tips and hints section, where we offer advice on how to choose a camera, as well as ways to get the most of your pictures. We can even help you keep up to date with the latest photography news.