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Man standing in the grass bent over his SLR camera on a tripod.
Key points at a glance
  • Assumption of costs in the event of theft and more:  If you take out the “Smartphones, tablets, and consumer electronics” module with AXA in addition to your household contents insurance, your camera is comprehensively insured. Including against theft, damage, and vandalism.
  • Everyone in your household benefits:  In addition to your device, AXA also insures your equipment and the devices of all members of your household.
  • Fast and straightforward assistance in the event of a claim: Thanks to simple claims reporting, you can use your camera again or receive a new replacement model of equal value. 

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Optimum insurance coverage for your camera

For passionate photographers, their camera is more than just a technical device: It captures special moments and preserves memories. In addition, a camera often represents a considerable investment. However, if the device is damaged or lost, household contents insurance only applies to a limited extent – namely in the event of incidents in your own home, such as a break-in. You should therefore protect yourself against unexpected damage caused by external influences and loss.

Insure your camera against risks such as theft and damage

Camera insurance is an optional module that extends your household contents insurance with AXA. This means that risks outside your home will also be covered in the future. You can also insure any type of camera – from professional SLR cameras and practical compact cameras to modern action cameras such as GoPros – as well as equipment for your camera, such as lenses, tripods, and memory cards. In addition to a photo camera, it is also possible to insure a video camera. The brand or model does not matter. But for which risks exactly does camera insurance offer protection?

  • Mechanical damage: The insurance protects against damage caused by falls, knocks, or similar accidents. Especially in the event of a sudden, unforeseen external impact, it can quickly happen that you accidentally drop the camera and damage the lens or housing. The insurance covers the repair costs or, if the camera is irreparable, the replacement costs.
  • Theft: Cameras are valuable items and therefore a popular target for criminals. The insurance therefore also covers you if your camera is stolen, whether at home, in a hotel, or on the road. If the device is stolen, the insurance covers the replacement value. It is therefore worth insuring your camera, especially if you frequently use it on vacation or while traveling.
  • Loss: Of course, you can also lose your camera in other ways, for example because you forget or misplace it. In the event of such carelessness, the insurance will also cover the costs.
  • Water damage: Liquids are one of the biggest sources of danger for electronic devices. If your camera is damaged by water – for example in an unexpected rain shower or because you accidentally drop the device in water – AXA insurance also covers the repair costs or replacement.
  • Vandalism: Someone has deliberately thrown your camera to the ground out of anger? Don’t worry about whether the person is covered by liability insurance: AXA’s camera insurance also covers damage by third parties and willful destruction.
  • Electronic damage: Cameras are full of complex and sensitive technology. Accordingly, the insurance also covers damage to the device’s electronics caused by a short circuit or technical failure, for example. 

Who does AXA camera insurance apply to?

Having your camera insured doesn’t just have advantages for you: Your entire household benefits from AXA’s protection. This includes family members, partners, and roommates in a shared apartment. This means that in addition to your own camera and equipment, the devices of other household members are also insured. Particularly practical: If you or someone from the relevant group of people buys a new device, the insurance cover also automatically applies to this new purchase.

Ensure that your camera is up and running again quickly

The price of a new camera plus equipment can quickly reach four or even five figures. Photographic equipment therefore has a considerable value and if it is broken or lost, this can be a major financial burden. If you insure your camera, camera equipment, and associated objects with AXA, you will receive comprehensive support in the event of a claim: The sum insured covers the financial value of the insured camera and associated equipment, up to the replacement value depending on the policy. The insurance therefore covers either the repair costs or the amount required to replace the device with a new, equivalent model.

Claim scenario for camera insurance

The camera falls into the water

The camera falls into the water

You take your new camera with you on a canoe trip. When you lean a little too far over the railing while taking photos, you lose your balance and fall into the water along with the expensive device. The photos can be saved, but the camera is unusable.

  1. New camera purchase CHF 3,000
  2. Deductible CHF 100
  3. Compensation from AXA CHF 2,900

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Frequently asked questions about camera insurance

  • How much does camera insurance cost?

    The annual premium for camera insurance varies depending on the scope of the insurance, the deductible, and the value of the insured items. With AXA, you can easily add modules to your existing household contents insurance and adapt the insurance to protect your camera. It’s best to get personal advice and receive the best individual offer for you.

  • When is it worth insuring a camera?

    Whether it makes sense to insure a camera depends on the value of the camera and your personal risk tolerance. For example, it is almost always worth insuring cameras in the higher price segment. With devices in this price range, repairs or a complete replacement can cause considerable costs in the event of damage. In such cases, unforeseen damage or loss without insurance could lead to a considerable financial burden. Finally, your usage also plays a role: If you frequently use your camera on the road, when traveling, or in high-risk environments, this increases the risk of damage or loss.

  • Can I also insure older cameras with AXA camera insurance?

    Camera insurance also applies to older cameras, regardless of when you bought the camera. The decisive factor is that the camera is still fully functional at the time the insurance is taken out and that you state its current value correctly. In the case of older cameras, the current value usually counts as the amount that the camera is still worth due to its age and condition. This means that in the event of damage, you will not be reimbursed the replacement value, but the current value of the camera.

  • Does the insurance cover damage to other people’s cameras?

    If you accidentally drop someone else’s camera or damage it in any other way, this can be expensive. However, your camera insurance does not cover damage that you cause to other people’s equipment. It only covers damage caused to your own camera or your own equipment. Instead, you need liability insurance in such cases.

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