Camera Equipment Policy Information
Theft, Damage and Accidental Loss
Including in transit risk.
|100% sum insured or market value if less|
New for Old
Following total loss due to insured peril, up to sum insured or new market value whichever is less.
|100% within 2 years of new||100% within 1 year of new|
Hire of Replacement Equipment
Additional hiring expenses incurred as a result of an insured loss.
Accidental injury whilst using the insured equipment entirely preventing any occupation as a result of one or more of the following: a) death, b) total and irrecoverable loss of auditive power, sight or limbs or c) permanent total disablement.
Legal liability to a third party for damages and costs arising out of a claim for death or bodily injury, or loss or damage to property caused by or through your use of the insured items.
|£1.25m per incident||£1m per incident|
Please see our Camera Equipment Security Requirements document.
The excess is the amount you pay towards a claim. It is 7.5% of the insured loss with a minimum of £160 for all sections except Public Liability where it is £260. For theft from vehicles/certain public areas the excess becomes 12.5% of the insured loss with a minimum of £260 for all sections. The excess is double for overseas claims.
1. Lunar monthly policy (more information)