Frequently asked questions

This limit must be the total amount it would cost to replace your equipment as new, in the unfortunate event of a total loss. If you are VAT registered this element needs to be deducted. If items you own have been superceded you need to ensure your sums insured reflect the equivalent replacement items in the market today.

This depends on the cover selected by you and specified in your policy schedule. Our standard cover is UK and 45 days world-wide; you do not need to notify us when you go abroad only if you exceed 45 days in any one policy year. If worldwide cover is selected – travel cover is unlimited however a maximum trip limit of 90 days in any one trip is applicable. If you have any queries in respect of cover abroad please contact us.

The policy does not warrant a full inventory of your equipment, however following any loss we will require proof of purchase, if you do not have original purchase invoices for your equipment we would suggest an inventory.

You can amend or change your policy at anytime - please note that additions in cover will warrant an additional cost. Additional premiums are charged on a pro-rata basis from the date of the amendment.

Yes - it is becoming more frequent that airlines will not allow equipment to be carried as cabin baggage, therefore full cover is extended to equipment within the hold of an aircraft subject to the equipment being in a locked pellicase or similar.

Yes - the Towergate Camerasure policy provides cover for "Open Theft" and this would include opportunist, we do not require signs of forcible violent entry or exit for the theft cover to be in force.

You need to notify us of any claims you have made within the last five years. Previous claims are considered on a isolated basis and applicable terms and conditions are applied where necessary. Full details of previous claim (i.e settled amount, settlement date and nature of claim) must be advised at the time of application - failure to do so could invalidate cover. You must disclose all material facts.

No - our suite of products extend to include residents of the following:

• United Kingdom
• Northern Ireland
• Isle of Man
• Channel Islands
• Eire (Professional/Professional indemnity and Semi-professional policies only)

(Please note that all sales for the Isle of Man, Channel Islands & Eire will be on a Non-advised basis)

Cover for equipment left in an unattended vehicle is during the working day, we do not apply any specific time limits apart from the Semi-professional and Amateur policy.

• Up to £5000 - No security requirement, equipment must be in a locked vehicle and out of public secreted view
• £5001 to £10,000 - Factory fitted alarm and immobiliser; equipment must be in a locked vehicle and out of public secreted view
• £10,000 and above - Requirements are specific please refer to Towergate Camerasure

Under all Towergate Camerasure policies excesses are applicable please refer to individual summaries of cover for further details.

Public Liability under the professional policy extends to include USA & Canada but subject to UK jurisdiction.

Having photography as a secondary occupation you would best suit our Semi-professional policy.

Yes - we provide a bespoke Amateur policy which covers those not using the equipment for business use and making money from it.

If you move permanently, we will no longer be able to provide cover, as the policy is designed for Photographers/Videographers and those within the multi media industry living in the UK, Channel Islands, Isle of Man, Northern Ireland and Eire. We must advise that in the event of a claim under the policy and the policy cancelling mid term – the full annual premium would be due and no return premium would be given in this instance. If your main residence is abroad, you will need to arrange insurance through a company in your country of residence. If however you are simply working temporarily, whilst still living in the UK, this is covered as standard.

All of the Towergate Camerasure policies are underwritten by Aviva Insurance ltd.