Equipment value
The value of your camera gear will determine the price you pay - the more expensive the equipment, the higher the insurance premium
Compare gadget insurance from 16 providers
We do the hard work for you, comparing deals from the biggest providers in the UK so you can get the right cover
1Correct as of February 2024
Can I insure my camera equipment?
Losing or damaging a camera can be devastating. Not only are you losing money, but memories too. While insurance can’t replace your photos, it can protect you financially.
Camera equipment can be insured under a gadget insurance policy. Gadget insurance protects your electronic devices meaning you can get cover if your camera gets lost, stolen or damaged. If you’re going abroad, you’ll need to check your policy documents to see if your camera is covered. You might need a separate gadget travel insurance policy which is an added extra on your travel insurance.
MoneySuperMarket has teamed up with Protect Your Gadget to help you find and compare camera insurance quotes from a range of providers.
What does camera insurance typically cover?
-
Covered:
Accidental damage: including cracked or smashed lenses, broken screens and liquid damage
Electrical or mechanical breakdown: If the manufacturer warranty period has ended, insurance can cover manufacturing issues
Theft: Camera repair or replacement in case of theft, but there may be exclusions if it was stolen when left unattended or in an insecure location
Loss: Usually only applies if it’s misplaced outside your home. Insurers will expect you to have taken precautions against loss
Accessories: Camera accessories such as lenses, tripods, and flashes, up to a certain value
-
Not covered:
Wear and tear: You won’t be covered for defaults caused by ageing and long-term use
Cameras used for commercial use: You may need to take out business insurance and specialist gadget insurance if you use camera equipment for work
Cosmetic damage: For example, dents and scratches - things that don’t affect the camera’s performance or safety
Unapproved accessories or unauthorised repairs: Damage caused by neglecting manufacturer instructions
Old camera equipment: Some insurers won’t cover cameras over a certain age
What does camera insurance cost?
The cost of camera insurance can vary depending on several factors. Insurance providers will consider things like:
-
-
Policy type
The type of camera insurance policy you choose will affect the cost. Basic coverage will be less expensive than comprehensive coverage with add-ons
-
Location
If you live or are travelling in an area with a higher risk of theft or damage, your premiums will likely be higher
-
Excess
The higher the excess, the lower the policy cost. You must be sure that if you need to make a claim, you can afford to pay the excess
Is camera insurance worth it?
This depends on your individual circumstances, the value of your camera equipment and your risk tolerance. You should think about purchasing insurance if:
Your equipment is expensive and you won’t be able to readily replace it if something were to happen
You think there’s a risk your camera equipment might become damaged on a photoshoot or during extreme sports
You think there’s a risk your camera might be lost, stolen or accidentally damaged
You frequently travel with your camera. Consider the risk of theft or damage during your journeys. You may need to take out a gadget travel insurance policy
Your existing insurance policies, like home contents insurance, already provide some coverage for camera equipment. If they do, you’ll need to make sure the coverage is sufficient for your needs
Get tailored gadget insurance quotes with MoneySuperMarket
Comparing quotes for gadget insurance with MoneySuperMarket is quick and simple. All you need to do is answer a few questions about the cover you want and we'll help you find a great value policy.
-
Tell us about your cover
Answer some questions about the cover you want and the gadgets you want to cover. You can add up to 10 gadgets to your policy
-
We'll fetch great value quotes
With your information, we'll fetch quotes from UK gadget insurance providers for you to browse, with the cheapest quotes front and centre
-
Choose the deal you want
Once you've found the deal you want, click on the provider and you will be taken to their website for you to complete your purchase
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Gadget insurance guides and expert tips
Keep up to date and find out all you need to know with our latest guides.
Does camera insurance cover professional use?
Many insurance providers offer the option to include professional photographer insurance if you use your equipment for work purposes. It's essential not only to secure business camera coverage to safeguard your gear but also to ensure protection through:
Public liability insurance: Covers injuries or damage caused because of your photography. For example, if someone trips over your tripod
Professional indemnity insurance: Covers you against claims of poor work or advice. For example, if someone’s not satisfied with a photoshoot
Can I cover multiple cameras on one policy?
If you have multiple gadgets, like your camera plus laptop and mobile phone, you might want to insure all of them under one umbrella policy and get a multi-gadget discount.
When you compare quotes with MoneySuperMarket, you’ll just need to add additional models as you go through the question set. We will then show you the best camera insurance options for your needs. You’ll get a claims allowance that’s broken down per gadget, and policies can cover each device for accidental damage, mechanical breakdown, and theft.
Are my photographs also covered by camera insurance?
Unfortunately, no. Photographs are not covered by your camera and equipment insurance. However, there are methods of ensuring your photography is not lost, including backing up your device where possible.
If you use your camera for professional purposes, your photographs might be covered by your professional indemnity insurance.
Super save with MoneySuperMarket
You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.
Whip your credit score into shape with Credit Score
Super save over and over again with Energy Monitor
There are always more ways to save with MoneySuperMarket
So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.
You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.
Reviewed on 17 Dec 2025 by
