Does travel insurance cover accidental damage to my camera?

Yes, most comprehensive travel insurance policies include cover for personal belongings, which can extend to your camera if it is accidentally damaged. However, limits and exclusions apply so always review your Product Disclosure Statement.

Is water damage covered for cameras under travel insurance?

Water damage can be covered if it results from an unexpected accidental event. For example, if your camera falls into a body of water. However, cover will typically be excluded if the damage occurred due to negligence, professional use in water, or if the camera was not designed for water submersion and used in that manner. Always check your policy's specific terms.

Are camera accessories like lenses, tripods and external flashes covered by travel insurance?

Yes, camera accessories are generally covered by travel insurance but they usually fall under "other items" or "general personal belongings" categories. This means they often have significantly lower individual item limits than the main camera body. If you have valuable accessories you may need to specify them separately for higher cover.

What documentation do I need to make a claim for my camera?

To make a claim for your camera you will typically need proof of purchase, such as receipts or bank statements; evidence of ownership, such as serial numbers or photos; a police report if the item was stolen; and documentation of the damage if applicable. Keep all relevant paperwork and digital records safe.

Am I covered if my camera is in my checked baggage?

This varies by insurer and policy. Some policies may not cover high value items like cameras if they are placed in checked baggage due to the higher risk of loss or damage. It is often recommended or even required to carry cameras in your carry-on luggage to ensure cover. Always check your PDS for specific requirements.

Will my camera be covered if it is left unattended?

Generally, no, your camera will not be covered if it is left unattended. Travel insurance policies typically require you to take reasonable care of your belongings. This means items must be properly secured for example in a locked hotel safe or always under your direct supervision to be covered against theft or loss.

Can I cover my drone with travel insurance?

Many travel insurance policies can cover drones as part of personal belongings, but they often have specific conditions and limits. Drones might be subject to the same limits as cameras or may require specified items cover due to their higher value. Some policies may also have exclusions for professional use or if used in restricted areas.

How does specified items cover increase my camera protection?

Specified items cover is an optional extra that allows you to nominate individual high value items, like expensive cameras, for a higher level of protection than the standard personal belongings limit. You typically pay an additional premium for this and it ensures your camera is insured for closer to its full, value up to the specified amount.

Can home and contents insurance cover my camera while I am travelling overseas?

Yes, if you have a portable contents option or "away from home" cover added to your home and contents insurance policy it can extend to cover your camera while you are travelling overseas. This may be a cost effective solution but check the worldwide limits and exclusions as they can differ from standard travel insurance.

What is the typical maximum limit for camera coverage with standard travel insurance?

With standard travel insurance the typical maximum limit for a camera is often between $2,000 and $4,000 per individual item. There will also be an overall limit for all your personal belongings, which could be higher. For more expensive cameras you would likely need to add specified items cover to increase this limit.