I am heading off to La Palma, Spain from the UK. I have regular travel insurance, but my camera equipment is not covered, being too high value. Can anyone recommend a company that would do a single trip insurance for camera equipment? What do you do in these circumstances?
Photo kit holiday insurance
- Thread starter jezphil
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Hi and welcome to TP
Single I cannot say but kit cover I use Aaduki which is with Hiscox insurance.
Have you asked/checked whether your household contents insurance will cover such single trips?
Single I cannot say but kit cover I use Aaduki which is with Hiscox insurance.
Have you asked/checked whether your household contents insurance will cover such single trips?
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Check out Eversure or Photoguard. They both do short-term or single-trip cover specifically for photography gear and are usually much better than standard travel insurance for high-value kits.Alternatively, if you have home insurance, it's worth checking if you can just add "personal possessions" cover for outside the home—sometimes it's cheaper than a separate policy.
Whichever route you take for a holiday, the paperwork side matters as much as the policy choice. Before you fly, write down every item you are taking with make, model and serial number, note roughly what each is worth today, and keep a copy on your phone plus one in email or cloud storage so it survives the bag going missing. If you have to report a theft abroad, the local police report almost always needs serials, and insurers will ask for the same list plus proof of value when you get home.
Two other things worth checking in the wording before you rely on holiday cover: the single item limit, which on standard travel policies is often well under the price of one decent lens, and the unattended clause, which frequently excludes anything left in a hotel room that is not in a locked safe or anything out of sight in a car. Specialist photo policies tend to be more sensible on both, but read the excess as well, since a low premium with a high excess can leave you paying for most of a lens replacement yourself.
Small practical habit: photograph your kit laid out on the bed before you pack, and photograph each serial plate. It takes five minutes and it is the evidence you will wish you had.
Disclosure, since I have now mentioned inventories a few times on here: I built a kit tracking tool called GearDex for exactly this, so I have an interest. A spreadsheet or a notes file works just as well, the important part is that it exists before the trip rather than after something goes wrong.
Two other things worth checking in the wording before you rely on holiday cover: the single item limit, which on standard travel policies is often well under the price of one decent lens, and the unattended clause, which frequently excludes anything left in a hotel room that is not in a locked safe or anything out of sight in a car. Specialist photo policies tend to be more sensible on both, but read the excess as well, since a low premium with a high excess can leave you paying for most of a lens replacement yourself.
Small practical habit: photograph your kit laid out on the bed before you pack, and photograph each serial plate. It takes five minutes and it is the evidence you will wish you had.
Disclosure, since I have now mentioned inventories a few times on here: I built a kit tracking tool called GearDex for exactly this, so I have an interest. A spreadsheet or a notes file works just as well, the important part is that it exists before the trip rather than after something goes wrong.
ancient_mariner
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This is what I have done for years and also means that if I have an accident like drop my camera and lens in the UK am also covered