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Please note: the explanation of terms below is intended for guidance only; for contractual definitions, refer to the policy wordings.

Annual payment

A one-off payment in advance to cover a year's insurance. This is the cheapest way of obtaining cover.

Certificate of insurance

The document that contains the terms and conditions under which your equipment is insured. See also policy wording.

Commencement date

The date that the policy starts.

Depreciation

Due to the limited life expectancy of portable laptops we apply a deduction to any claim for wear, tear and depreciation on any laptop over 18 months old.

Equipment case

Either:
  • a purpose designed hard case where the interior has been specially formed to fit the equipment or
  • a purpose designed padded case bought from a recognised supplier of photographic equipment

Evidence of ownership

To pay out for an insurance claim, we need to be certain that you were/are the owner of the insured items. Evidence can be shown by, for example, an original receipt clearly showing the item and date of purchase. Alternative evidence can include a bank or credit card statement, photographs, a copy receipt from the retailer, packaging or literature.

Excess

This is the amount of money that you contribute towards the cost of a claim. With Amateur Photographer Insurance Services there is a £50 compulsory excess as standard on your equipment insurance, but you can choose to pay an increased voluntary excess - and doing so will provide a discount on your premium.

There is a £500 excess for claims made for damage to a third persons property (this only applies if you have taken the public liability option).

Forcible and violent entry

Entry to a property that clearly shows damage to the lock, building, room or vehicle, caused as a direct result of theft.

Hire of equipment

Amateur Photographer Insurance Service's version of a courtesy car! This ensures that you are able to continue shooting even if your equipment is stolen or damaged. We will pay for the hire of alternative equipment (up to £1,000) whilst yours is awaiting repair or replacement (subject to an approved claim).

In vehicle

This covers your equipment whilst transported in a vehicle. This does not cover your equipment whilst in transit unless it is kept in a purpose designed equipment case. See also security requirements.

Insured location

This is a single, specified place where you store your equipment, typically your home or studio. See also policy wording.

Laptop

Means portable laptop computers, notebooks, tablets, and their accessories, including adaptors, cards, cases, data storage devices, networking accessories, docking stations, security devices and webcams.

Locked luggage compartment

This can be:
  • A locked car boot
  • A locked rear storage area of a hatch-back, four wheel drive, MPV, SUV or estate car, subject to a factory fitted cover being in place (where the cover isn't available, items must be kept out of sight)
  • A locked rigid bodied van, mini bus or camper van providing the windows have been obscured and providing any items are in a compartment of the vehicle that is not accessible from the drivers area or, where the compartment is accessible, kept out of sight
  • A rigid body fully enclosed trailer attached to a vehicle by a shackle bolt

Loyalty bonus

This is a system by which we reward you for continuing your insurance with us. This is how it works:
  • After year one = 5% discount (minimum of £5)
  • After year two = 7.5% discount (minimum of £5)
  • Between year three and four = 10% discount (minimum of £10)
  • Between year five and seven = 15% discount (minimum of £10)
  • Between year seven and ten = 20% discount (minimum of £15)

Mechanical Breakdown

This provides cover for any electronic item (up to five years old from date of purchase from new) against failure due to a mechanical, constructional, electronic or electrical defect. If you select this cover there is the standard £50 compulsory excess for each and every item.

Period of insurance

The length of time for which you are covered, all Amateur Photographer Insurance Services policies run for a period of 12 months even when being paid by monthly direct debit.

Personal accident

If you have an accident whilst using your equipment, this provides cover up to £5,000 for death & permanent total disablement and £2,500 for loss of limb or eye Automatically included if you select Public Liability cover.

Personal liability

This is the same as public liability.

Photographer

Our collective term to describe people that use film, digital or video cameras (camcorders), binoculars, telescopes and other related audio visual equipment.

Photographic equipment

Our term to collectively describe:
  • photographic equipment (film, digital and related accessories)
  • sound and lighting equipment
  • camcorders and video equipment (film, digital and related accessories)
  • binoculars and telescopes
  • and other audio visual equipment

Policy summary

This is a brief outline of the terms and conditions including any significant exclusions or conditions of an insurance policy. The summary is not a substitute for reading the full policy wording.

Policy wording

This sets out in full the terms and conditions of your insurance cover. It is essential that you read the wording and comply with any terms and conditions it sets out. We have made it as straightforward as possible to read and understand.

Much of the information provided on this site is for guidance - only the relevant policy wording can be taken as a binding contract.

Premium

The amount you pay (either a single amount in advance or by credit agreement with Thistle Insurance Services Limited.) to provide annual insurance cover for your photographic equipment.

Professional indemnity

This provides cover so that in the event that you find yourself in a dispute with a client, your professional indemnity cover will pay the cost of defending any allegations or claims made against you for negligence or breach of duty of care (for instance loss or destruction of film or digital storage media).

Public liability

This provides cover against damage to persons or property caused by your proven negligence. APIS offers £1 million cover as an option.

Replacement value

This is the price an item would normally cost new in a store including VAT rather than a specially discounted or sale price.

For vintage and rare equipment you should obtain a specific valuation. The valuation should be from a reputable source and not more than 12 months before your commencement date. It is advisable to obtain a new valuation at least every three years, to take into account any market changes in value during the period.

Serial number

The unique code that identifies that item of equipment. It is essential that we have the serial number for any item valued over £250 for APIS. You do not need to have the number in order to take out cover, but the serial number (and proof that it relates to the item insured) will be required in the event of a claim.

Specified items

We need you to identify any individual items over £250 in value. These are your specified items, all other items are added as an overall value under.

Sum insured

This is the total value of your equipment.

Terms of business

The basis on which you do business with us. Click for more information.

Third-party liability

This is the same as public liability.

Unattended

Whilst the equipment is not being held or used by you or a responsible adult, the items must be kept in a locked room or cupboard on in a locked luggage compartment.

Unspecified items

To save you time, we don't need to know every little item in your gadget bag, so we only ask that you give us a total amount to cover these items.

Items must be over £30 and under £250 in value.

Voluntary excess

An excess is the amount you contribute towards the cost of a claim. Paying a voluntary excess will reduce your premium BUT in the event of a claim, this is the amount that you will have to contribute.

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