Lens Cover
Protection By Way Of Camera Lens Insurance?
Your camera might typically be an expensive item. That may be even more the case if you have an expensive additional specialist lens that you use from time to time. That’s why camera lens insurance cover exists – it is there to give you protection should the worst case scenario arise.
Cameras and lenses
If you have a camera, even a relatively modest one, it might be worth thinking about camera insurance.
Cameras are fairly easily stolen and perhaps even more easily damaged or destroyed in accidents.
It’s also the case that if they breakdown outside of the manufacturer’s warranty, then you may be facing some fairly chunky bills for repair.
Camera protection can help contribute towards insulating you from these costs and more, depending upon the provider, it may:
- take on responsibility for delivering you a replacement camera within 48-hours of final approval of your claim;
- provide you with global protection – this typically means that even if you take your camera and lenses with you outside of the UK you may still be protected by your insurance policy.
Also, do note that some providers may also offer optional loss insurance too, for an additional fee.
Useful as this may all be, you’re perhaps wondering how this relates to camera lens insurance.
Specialist camera insurance requirements
Some amateur and many professional photographers have cause to use specialist lenses – wide-angle, telephoto and many other types of camera equipment.
Lenses and add-ons can often work out to be very expensive. They might usually also be particularly prone to theft or accidental damage.
You may find that a normal insurance policy does not cover your lenses – it’s worth checking carefully.
Other policies might usually provide additional camera lens insurance. It may be necessary to declare the lens specifically and there may be an additional premium to pay.
If you need to claim
protection companies typically ask to be notified of a claim as soon as possible.
They may also require that, in the event of theft, you notify the police within 24 hours of the unfortunate event happening. You may also have to get a crime number from the police when making a claim for theft.
Remember that camera lens cover, as with most forms of gadget and camera insurance, will typically contain an excess clause. The excess is the part you have to pay if you make a claim that is successful. Do note that your insurance will have certain features and benefits along with protection limitations, exclusions, terms and conditions.
Peace of mind
If you take photography seriously you will invest a great deal of money into your hobby.
Given your investment of time and money into it, perhaps thinking about camera and camera lens insurance just simply makes sense. It may provide both peace of mind and a financial safety net!
Nokia N97 Main Camera Lens Cover Removal & Replacement
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