Business Details
28 Years
experience
Your Trusted Photography Insurance Partner in the UK
photoGuard has been providing specialist photography insurance solutions for over two decades, offering comprehensive coverage tailored to the unique needs of photographers at every level. As part of Guardcover, a leading brand in leisure insurance since 1998, we combine deep industry expertise with a commitment to protecting cameras, lenses, and equipment against theft, accidental damage, and legal liabilities. Our policies include up to 10m public liability cover, 100,000 legal expenses protection, and global travel coverage, supported by a dedicated UK claims team that approves 87% of claims promptly.Regulated by the Financial Conduct Authority and trusted by over 750,000 customers, we ensure photographers can focus on their craft with confidence. Our New for Old cover and equipment hire reimbursement demonstrate our dedication to practical, client-centric solutions that prioritise reliability and transparency.
Services
Camera Insurance
Drone Insurance
Public Liability Cover
Legal Expenses Protection
Equipment Hire Reimbursement
Details
- Year established: 1998
Highlights and features
- 20+ years of specialist photography insurance expertise
- FCA-authorised and regulated for financial security
- Dedicated UK-based claims team with 87% approval rate
- Up to 100,000 legal expenses cover included as standard
- New for Old cover with no value depreciation
Associations and certifications
- Financial Conduct Authority
What people say
Prompt claims handling
Comprehensive legal cover
Affordable monthly payments
Specialist photography knowledge
Global travel protection
Services
Camera Insurance
Comprehensive protection for cameras against theft, accidental damage, and flooding. Covers DSLRs, compact cameras, and pre-owned equipment with New for Old replacement. Includes security storage guidance and in-vehicle protection when following safety protocols.
Public Liability Cover
Up to 10m coverage for third-party injury or property damage claims during photography sessions. Excludes drone use and North American incidents. Automatically includes 100,000 legal expenses cover for UK contract and tax disputes.
Drone Insurance
Specialist cover for drones used in photography, subject to CAA compliance. Protects against accidental damage (excluding first 21 days) with minimum 200 sum insured. Excludes liability cover and flyaway losses.
Legal Expenses Cover
Automatic 100,000 UK legal protection for contract disputes and tax issues. Includes advice helpline and online portal access. Valid for policies purchased/renewed after 23 June 2024 with claims handled by specialist legal services.
Equipment Hire Reimbursement
Up to 2,000 coverage for temporary equipment hire during claims. Part of claims service with no additional premium. Available for all policyholders experiencing covered losses requiring equipment replacement.
Questions
Does photoGuard cover pre-owned camera equipment?
Yes, we cover pre-owned cameras and lenses at their current market value or original purchase price, with specific valuation requirements for vintage equipment.
Can I insure drones for commercial photography?
Drones are covered for photography use but exclude commercial operations and North American liability claims. Specific CAA compliance requirements apply.
How does the New for Old cover work?
If your equipment is damaged beyond repair, we replace it with a new equivalent model without depreciation deductions, provided you use our approved claims service.
What security measures are required for vehicle cover?
Equipment left in vehicles must be stored out of sight in locked compartments. Damage requires purpose-designed cases, and theft needs evidence of forced entry.
Is legal expenses cover included as standard?
Yes, all policies purchased or renewed after 23 June 2024 include £100,000 legal expenses cover for UK contract and tax disputes through our specialist legal services portal.
Reviews (4)
Catch Photos
Nov 25, 2021
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Please read the Small Print. If your lens or camera is damaged and is repairable as most are, be aware of this policy's small print. If the item cost 200 to repair they will not issue an amount of financial cover over that of the item repair cost (200) for the potential hire cost occurred. For example hire could be 500 for the time it takes to repair the claim. You would need to pay the difference of 300 plus the additional excess cost out your own pocket. This isn't fully covering you against all costs that could occur that are not your fault. I thought this was the purpose of insurance
Fred Cai
Oct 22, 2021
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Horrible company. I haven't taken out any policy with them, but from their customer services team and the way they are ran, here's my observations:
-) Customer service team do not get back to you when you say they would check with the underwriter, you have to chase them up to get your questions answer
-) The Customer service team does not know much regarding the Policy. Any additional questions on the Policy wording is extremely difficult to get a concrete answer to
From what I have experienced with calling them, I would be extremely wary of what will happen when I make a claim. All the questions
-) Customer service team do not get back to you when you say they would check with the underwriter, you have to chase them up to get your questions answer
-) The Customer service team does not know much regarding the Policy. Any additional questions on the Policy wording is extremely difficult to get a concrete answer to
From what I have experienced with calling them, I would be extremely wary of what will happen when I make a claim. All the questions
Skycamvideo
Sep 09, 2021
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AVOID 2 Months to refund and still waiting..... I've Been insured with this company for years and not had any problem but this year they renewed my policy without notifying me....(which had gone up) and when I phoned up to ask why they just said sorry. I then cancelled the policy same day and they said they would refund straight away...Over a month later I'm still on the phone asking where my refund is...Just been told it could take ANOTHER 5 working days....that's over 2 months to pay me back ....Waste of time,,,
Mark Lemanski
Mar 15, 2021
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Critical:Value
I have not yet made a claim, so can't comment on the actual insurance. My premium increased by almost 50% after the first couple of years though, which seems excessive.
I have not yet made a claim, so can't comment on the actual insurance. My premium increased by almost 50% after the first couple of years though, which seems excessive.
