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Digital Camera Insurance

Digital Camera Insurance, lens included! All the fun, without the worry.

If you can find the same cover level at a lower price elsewhere we will match it up to 14 days after your purchase date. Just let us know the insurance provider, the cover level and price. Once verified we will refund the difference. Please email the following address with the details to enquiries@smart-cover.co.uk.
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Digital Camera Insurance Covered vs. Not Covered Benefits Price Match Terms & Conditions FAQs

Digital Camera Insurance

We cover your digital camera and lens against accidental damage, theft, breakdown, liquid damage and unauthorised use. Get your quote today!

For some people their digital camera is what they use to take images every now and then whilst travelling, for many it’s their every day job and they need their camera with them every day. Either way, owning a digital camera is quite an investment. Cameras are expensive and, as a delicate piece of equipment, they can be easily damaged or broken.

  • accidental damage
  • theft
  • accidental loss
  • breakdown
  • liquid damage
  • Repair or replace
  • Fraudulent Call cover of upto £2500
  • Gadgets covered upto the value of £1500
  • New or manufacturer refurbished gadgets covered
  • Upto 90 days of worldwide cover.
  • Accidental loss for any gadget other than a mobile phone.
  • Any loss not reported to the police within 48-hours and a loss reference number obtained.
  • Any loss of a mobile phone which has not been reported to your airtime provider within 24 hours of you discovering the loss.
  • Cosmetic damage that does not affect performance
  • Gadgets or Mobile phone purchased from online auctions
  • Claims where evidence of ownership or proof of purchase is not available.
Terms & Conditions Gadget IPID

Benefits

  • Price match promise
  • Repair or replacement
  • Rapid claim settlement service
  • Fast claim settlement
  • UK based customer service
  • Fast professional engineer support
  • Accidental damage
  • Low excess fee from ​£25

At Smart Cover, our goal is to provide a service that is second to none. We do not just protect your life-style; we provide an insurance service which is refreshing to deal with.

This is why at Smart Cover, we are proud to offer more than just great prices, but we never want price to be a reason you shop elsewhere.

Price promise terms and conditions

1. We’ll match our competitor’s UK price.

2. The competitor’s product must be identical or better to ours, and offered on the same terms.

3. We must be able to verify the competitor’s price.

4. We’ll match the price of a product; not delivery charges or other services.

5. Cannot be used with any other offer.

6. Only applicable to England, Wales and Northern Ireland.

7. Competitor must be an FCA authorised entity along with the product.

8. Where price is reduced in excess of 20% of our list price, we retain our right to deny this offer.

9. Applicants cannot be employees or relatives of any other insurance broker and associated participant.

This is why in addition to our exceptional customer service; we also guarantee to match any price you may have been offered by any of our competitors.

Frequently asked questions

Yes, we will cover you for accidental damage, if we are not able to repair your gadget, we will provide you with a replacement item.

The gadget must not be more than 36 months old when the policy commences and purchased as new, or refurbished directly from the manufacturer or network provider.

We will replace your electronic equipment if it is stolen. Where only part or parts of your electronic equipment have been stolen, we will only replace the part or parts. Please see the Terms and Conditions for more detail.

You can make maximum of 2 claims in a year

There is an excess fee for all claims which must be paid before your claim can be approved

  • If your claim is for a gadget up to the value of £250 (when new) the excess fee is £25 for any claim.
  • If your claim is for a gadget between the values of £251 - £999 (when new) the excess fee is £50 for any claim.
  • If your claim is for a gadget over the value of £999 (when new) the excess fee is £75 for any claim.

If you decide that for any reason, this policy does not meet your insurance needs then please contact us within 14 days from the day of purchase or the day on which you receive your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, we will then refund your premium in full. Thereafter you may cancel the insurance cover at any time however no refund of premium will be payable.

Help
& Support

How we help you

  • Call the claim line on 03333 449 559 and report the problem between 9am and 7pm on weekdays and from 9am-4pm on Saturdays.
  • Tech support will try to resolve the problem  wherever possible, we will try to talk you through a solution.