Specialist insurance for photographers
Protect what you love with our specialist insurance designed for photographers of every level - protecting your equipment at home, at work and worldwide.
Up to £50,000 cover for theft, damage and everyday mishaps
Covering amateurs, students & professionals
Protecting you worldwide for 365 days
Clear, simple cover that makes sense
Standard insurance doesn't understand photography.
Home & contents insurance wasn’t built for taking pictures in the wild, cameras on location, lenses in backpacks, or equipment in cars between shoots.
Collective is different.
Built specifically for photographers.
What we cover
Comprehensive protection for you and your equipment
Theft
Protection against theft, whether at home or on the move.
Accidental Damage
Cover for unexpected damage sustained at home or away
Unattended Vehicle Cover
Protection for insured items left in a locked vehicle and kept out of sight.
Worldwide Cover
30-days protection while travelling abroad. If selected, option to extend to 365 days.
Equipment on Loan
Cover when equipment is loaned out to friends and family.
Replacement Hire
Temporary replacement equipment while repairs take place. Only available with a paid policy
Mechanical Breakdown
If selected, this option covers against sudden mechanical or electrical failure. Only available with a paid policy
Built for every photographer
Whether photography is your passion, your study, or your profession, Collective adapts to you.
Ideal for those learning their craft and building confidence with their equipment.
Students
Designed for passionate users who rely on their equipment regularly.
Enthusiasts
Protection against theft, whether at home or on the move.
Semi-Professional
Built for full-time professionals who depend on their equipment every day.
Professional
Insurance, but without the fine-print headaches
Photography-specific cover
Clear, transparent terms
Designed for real-world use
Support when you need it
Frequently Asked Questions
Straightforward answers to the questions people ask us 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. Cover is limited to 30 days.
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.
There is standard excess which is 5% of the value of your insured item subject to a minimum of £50 and a maximum of £500. There is also the option to add a voluntary excess, in addition to your standard excess, which will reduce your premium. Please refer to the policy wording for full details.
Protect the things you love.