Buyers’ guide
Buyers’ guide
Better safe than sorry Glover & Howe Insurance Services › gloverhowe.co.uk
Your equipment is worth a lot – you should make sure it’s adequately insured in case the unthinkable happens
Buying any sort of insurance is not to be taken lightly and it pays to shop around. Smart providers, such as those we have included, have user- friendly websites – so just upload your details for an instant quote or pick up the phone and chat to one of their experts. When you get a quote, make sure to spend time going through the key facts listed in
You may already have adequate insurance – in which case, well done; you can relax. If your kit isn’t insured, perhaps now is the time to have a serious think about getting covered. Photography is so much more than cameras and lenses. By ‘imaging kit’, we’re including your carbon-fibre tripod, those expensive Schott glass filters, studio lighting and the high- spec computer and printer at home. So, before going policy shopping, tot up the replacement value of your hardware to get an idea of how much insurance you need. Taking out an insurance policy to protect your kit from accidental damage, loss and theft helps you out if the unexpected happens. But depending on your photography interests, you may need to go further. If you undertake the occasional commission such as portrait shoots and weddings, you’ll need public liability insurance. That will cover you if a wedding guest gets injured tripping over your cables, or if you forget to take off your tripod’s spiked feet and ruin a venue’s parquet floor. For this guide, we’ve taken a look at some of the best photography insurance providers in the country.
Glover & Howe Insurance Services specialises in photography insurance for amateurs and pros, but its range of options includes cover for astronomy enthusiasts, catering and all types of commercial businesses. Three camera policies are offered: amateur photography, professional/semi-pro photography or videography insurance. The amateur policy starts from £2.68 per month or £25 per year. Glover & Howe is flexible in terms of cover. You’re insured whether you work from home, in a studio or on location within specified territorial limits, and a broad range of kit in addition to cameras and lenses is covered including laptops, desktop PCs, projectors and tablets. If you use drones as part of your business, Glover & Howe also offers appropriate cover – and you can simply get your quote online.
“PURCHASING INSURANCE IS
WORDS BY WILL CHEUNG
NOT TO BE TAKEN LIGHTLY – IT PAYS TO SHOP AROUND”
INSURANCE PLAYS A key part in all our lives. Your car, home and contents are insured, and perhaps so are your pets, mobile phone, mortgage payments and holidays. If you’re reading this, you’re very likely to be more than a family snapper and will have sunk a significant amount of hard-earned cash into your imaging kit. To be honest, with popular cameras such as the Canon EOS R5 and Sony A7R V around £4k body only, and with fast-aperture standard zooms typically costing £1-2k or more, you don’t have to buy much to rack up an expensive outfit that should definitely be insured.
the insurance product information document (IPID) and small print before clicking on the ‘yes’ button. Once you have a policy up and running, it’s worth putting a reminder in the diary for 11 months’ time, so you can make sure you’re on a deal you’re happy with and that it’s still appropriate to your situation. You know it makes sense.
Issue 107 | Photography News 23
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