The Collective Story
Collective was designed because your most valuable items deserve more than standard cover.
Protection built for real movement, real work, real life.
Your passion,
properly protected.
Photography gear, music equipment, jewellery and collectibles aren't just possessions - they're investments, tools of your trade, and part of who you are.
Yet most standard home and contents policies treat them as an afterthought. Low limits. Restrictive exclusions. Little to no cover once you step outside the front door - or use your items professionally.
We built Collective to change that.
About Collective
Collective was created to protect the things people care about, with cover that feels personal.
01
Our Mission
To protect the items people care deeply about - tools of craft, objects of value, and specialist equipment - with insurance that’s clear, considered, and built for real use, not assumptions.
02
Our Vision
A world where creative and specialist items are insured with the respect they deserve - thoughtfully, properly, and without compromise - so people can focus on their work, their craft, and the moments they enjoy.
Frequently Asked Questions
Straightforward answers to the questions people ask us the most.
You should insure your camera for the retail price (without any discounts) from a credible UK retailer.
Yes, you can lend your equipment to friends and family.
Yes, your camera is covered if stolen from the car, provided the car is locked and your possessions kept out of sight to the public.
Yes, our policies can be adjusted to suit your individual needs. You can choose the level of cover, add specific items, and tailor your policy so it reflects what matters most to you.
Claim times can vary depending on the details involved, but we aim to handle claims as quickly and efficiently as possible. Our goal is to keep things moving and minimise disruption during what can be a stressful time.
We offer a range of specialist insurance plans designed to cover items and equipment that aren’t always well served by standard home and contents policies. Our cover is flexible and tailored to different needs, whether you’re protecting individual items or professional equipment.
Filing a claim is straightforward and can be done online or with the support of our team. Once submitted, we’ll guide you through the next steps and keep you updated as your claim progresses.
To get started, we typically ask for some basic personal details and information about the items you’d like to insure. In some cases, supporting documents such as receipts or valuations may be required.
Yes, our policies can be adjusted to suit your individual needs. You can choose the level of cover, add specific items, and tailor your policy so it reflects what matters most to you.
Claim times can vary depending on the details involved, but we aim to handle claims as quickly and efficiently as possible. Our goal is to keep things moving and minimise disruption during what can be a stressful time.
Protect the things you love.
Specialist insurance
Insurance cover designed for creators, collectors, and originals.
Protecting your passions at home, at work, and on the move.