Premium Photo
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Picturing Your Photo Insurance
If you’ve a camera and enjoy using it, then perhaps a few minutes thinking about photo insurance might be a good investment.
An investment of cash
Many cameras are expensive items and some might be seriously expensive.
Unless you’re super-rich, buying your camera possibly caused you something of a pain in the wallet or purse. That might not have mattered much because, after all, it resulted in you getting your camera which may now be your pride and joy.
Paying twice
Now give some thought to the fact of something happening to your camera and you having to replace it. Impossible? Unfortunately not!
If your camera is stolen, destroyed by an accident or perhaps suffers serious breakdown outside of the manufacturer’s warranty, you might usually well find yourself needing to pay for a new one.
It’ll either be that or you’ll have to try and make do without a camera at all.
Couldn’t happen to me
Well, it may generally not but that’s not the same thing as saying it couldn’t.
That’s why photo insurance for cameras exists – to try and help you avoid the financial catastrophe of needing to find funds for another camera out of your own financial resources.
Camera insurance cover typically covers things such as:
- theft;
- breakdowns (after the warranty has run out on your camera);
- accidental destruction of your camera (yes, it really can happen!);
- some providers may also offer optional loss cover too, for an additional premium;
If you shop around you may find a provider that replaces your camera in as little as 48 hours – and if you enjoy travelling some policies may generally provide you with global cover.
If you have any lenses or other equipment you may be able to add these onto the policy for a little extra.
Reduced worries
cover, including camera insurance, can’t stop bad things happening to you.
What it may be able to do though is to ensure that you and your chequebook alone don’t get stuck with the costs of trying to recover the position. Of course, as with most insurance policies, features and benefits, policy limitations and exclusions will apply and the protection can vary from provider to provider.
With this in mind it may work out in your favour to take out photo insurance – if you have paid out a great deal for your camera. You might also wish to check if the insurance policy provides protection outside of the UK.
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