Equipment insurance cover

Equipment insurance covers the following: 

• Damage and loss 
  If your photographic (or other) equipment is damaged or lost due to unforeseen circumstances, you will be reimbursed for the damage by the insurer. 
• Inherent defect 
  You are also insured in the event of damage caused by an inherent defect. An inherent defect means a defect in or a bad feature of the insured item. The cost of remedying an unexplained defect will not be reimbursed. 
• Renting out 
  If you rent out your equipment and want it to be insured while it is being rented out, you must tell us. You pay some extra premium in such cases. If the equipment is then damaged or stolen while rented out, you will be reimbursed for the damage. 
• Theft, disappearance and/or loss
  If your photographic (or other) equipment is stolen, you will be reimbursed for the damage by the insurer. You are only insured if you did your best to prevent theft or loss of the equipment. 
  The terms and conditions set out when the insurer thinks you have done your best to prevent theft. 
• Underwater equipment
  Damage to underwater equipment is reimbursed by the insurer. However, you must ensure that the equipment is properly secured, and that it is in a suitable waterproof case. 
• Drones
  Damage to drones is reimbursed by the insurer under this cover. This includes water damage and theft. The flying of drones is not insured.
  Please note: You can also take out a separate drone insurance policy, which does cover the flying of drones. Please contact us for this.
• Associated parts
  If, after loss or irreparable damage to a camera, you are left with associated parts that you cannot use afterwards (such as lenses or tripods, for example), the insurer will reimburse these associated parts.
   

List of additional coverage options

Add-ons to equipment insurance 

The following additional coverages can be added to equipment insurance: 

• Non-owned equipment 
  If you add this cover to your insurance, rented or borrowed equipment is also included in the cover. 
• Cover when renting out 
  With this additional cover, the risk you run when you rent out your equipment is insured. This cover is only intended for occasional renting out of equipment. 
• Land war risks 
  If you take your equipment into war zones, you may choose to take out this additional cover. If your equipment is damaged due to war risks (on land), you will be compensated for such damage.