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Camera Insurance

From just £5.99 a month

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Having photographs is really important, especially at big family events or on holiday, but what if your camera gets broken?

You can now insure your camera with Tinhat, so you can snap away with peace of mind.

If you're looking to insure cameras on behalf of your company, check out our business insurance. Scroll down for more information about our what gadgets we insure.

What's covered?

In addition to our photography equipment insurance, we also offer cover for a number of different gadgets - including mobile phones, smartwatches, laptops and headphones. What's more, you can add multiple different gadgets to the same policy. The premium you pay depends on the value of your gadget, so our policies can start from as little as £3.49 a month (or £38.39 annually). Our policies cover you against:

Cracked screen and liquid damageAccidental damage (including liquid damage)

Covers accidentally cracked screens, spilling a cup of tea on your laptop, and any other damage that prevents the laptop from functioning normally. Accidental damage does not cover general wear and tear or purely cosmetic damage.

Mechanical breakdown outside warrantyMechanical breakdown

Covers you for repairs and replacements to your phone if it suddenly stops working outside the manufacturer's warranty. By renewing your policy with us you can continue to cover your gadget for a further 5 years.

Worldwide and holiday coverUnlimited use Worldwide

This policy keeps you covered anywhere in the world for as long as you need. Most insurers limit your allowed trip length.
 

Phone theft insuranceTheft

Covers you for any damage or loss resulting from your phone being stolen, as long as it is in your possession or stored in a secure place out of sight.
 

Cover for unauthorised callsUnauthorised calls

If your phone is lost or stolen we will cover up to £10,000 of unauthorised calls.
 

Mobile phone accessories insuranceAccessories cover

We'll replace any accessories (up to £150) if they are damaged, stolen or lost at the same time as your laptop.

 

To find out more about what we cover, and any exclusions, please read our terms and conditions.

 

Adding extra equipment to your policy

Our DSLR insurance covers the camera

We understand that many photographers and DSLR users have a lot of extra equipment, that is just as valuable as the camera itself. With Tinhat you can add all your gear to one policy in order to give you peace of mind when you're snapping.

Additional Benefits

At Tinhat we offer some of the cheapest mobile insurance in the UK, but pride ourselves on offering policies that are fit for purpose. That's why, on top of comprehensive coverage, we offer:

Best mobile insurance excesses
Clear and reasonable excesses

At Tinhat, if you make a claim your excess will be £50 for gadgets valued up to £400, £75 for phones up to £750 and £100 for gadgets valued at £751 or more. It's the same for all types of claim.

Family phone insurance
Cover for use by immediate family

Unlike many insurance policies your gadget is also covered while being used by immediate family, with no restrictions on their age. This also means that if you want to insure your child's gadgets you can do so in your name.

Unlimited phone insurance claims
Unlimited claims

Some insurers impose limits on the number of claims you can make, or have different limits for accidental damage and loss claims. At Tinhat there is no limit to the number of claims that you can make.

Instant mobile phone cover
Instant cover

If your gadget is less than 60 days old, we'll cover it from the date that you purchase your policy. So if you buy your gadget insurance today, you can get peace of mind straight away.

 

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Key exclusions

All laptop and macbook insurance policies contain exclusions, and Tinhat is no different. That said, we think ours are some of the fairest and simplest to understand and we're keen to make sure that you're aware of them before purchasing:

Laptop exclusions

Second hand gadgets - unfortunately we can't cover any second hand laptops. That includes second hand laptops bought from private individuals and also second hand goods stores like CeX.

Laptops older than 12 months - if you bought your phone new more than 12 months ago you won't be able to insure it with Tinhat.

Refurbished laptops that weren't bought directly from a manufacturer - while there are exceptions to this, in most cases we can't insure refurbished laptops that were bought from specialist online retailers. This is particularly true if it's a Grade B or below refurb.

Claims for incidents within the first 14 days of taking out your policy (unless your laptop is less than 60 days) - this is to help us prevent fraudulent claims, which in turn allows us to provide affordable insurance to our genuine customers.

Accidental damage exclusions

Cosmetic Damage - our insurance policies don't cover things like scratches, stains or minor chips to the body of your laptop. We can repair your laptop if it's broken, but we can't restore it to new condition.

Theft Exclusions

Theft from inside commercial vehicles - so if you're a taxi driver, this insurance won't cover you for theft while you're using your vehicle.

Theft from an unattended personal vehicle - unless your gadget is out of view in a closed compartment and the vehicle is locked.

Theft in a public place where your gadget is left unattended - for example, if you leave your gadget on a pub table and it's stolen while you go to buy a drink. Our insurance still requires you to take reasonable precautions to protect your gadget.

To find out more about what we cover, and any exclusions, please read our terms and conditions.

 

    Our reviews

    At Tinhat we pride ourselves on offering great customer service and reliable gadget insurance. We greatly value our customers' feedback, and here are a selection of our most recent reviews:

     

    5-star review

    "Great service"

    "Very fast turnaround for the repair!" - Kevin, Edinburgh

    5-star review

    "Competitive insurance"

    "Customer friendly website, easy to order. V competitive prices." - Lauren

    5-star review

    "Excellent"

    "Couldn’t have asked for more.....speedy, approachable, helpful and quickly resolved the issues. Thank you!" - Heather

    Tinhat Reviews Feefo

     


    We really value honest feedback, and are proud to say that our gadget insurance is rated 9.0 out of 10 based on 67 customer reviews at

     

    Have any questions?

    Please get in touch with us at sales@tinhat.co.uk, and we'll be happy to help with any questions you might have.