Do we offer insurance?

Yes we do. How it works depends on the cost of the equipment you hire. For lower value equipment, we offer the option of Hireacamera's Damage Waiver. This means that should an unfortunate incident occur leading to the damage of our equipment whilst in your care, you waive your right to the deposit you have paid to us and we will take care of the rest.

If you are hiring equipment with a value in excess of £10,000, you have the option of either taking out insurance at the same time as arranging your hire, or forwarding to us a copy of your own insurance policy. Please note that our insurance cannot be taken out after the equipment has left our depot on its way to you.

Rather than just saying both cover everything, we have listed below detailed answers with regards to what is and is not covered.

Please note that if you do not abide by the conditions of cover or the claim is considered to be fraudulent, you may be liable for up to the full value of the equipment and we will take whatever action necessary to recover such costs.

How do I organise insurance?

We can organise cover for you. If the value of the equipment is less than £10,000, you can choose our Hireacamera Damage Waiver. For equipment valued over £10,000, we require insurance cover - we have worked together with Aaduki Insurance to put together a comprehensive policy. All on-line quotations and availability requests will show you the cost of this cover.

What is covered?

You will be covered for accidental damage, loss and/or full theft.   Please feel free to click on the following links to read more -

Insurance FAQs
Policy Wording
Summary of Cover

Does the premises where I will keep the equipment overnight need specific locks?

Yes. All ground floor plus any accessible windows will need to be fitted with key operated window locks and that all final exit doors have a five lever mortice deadlock fitted. (If the doors are made of UPVC then a door with an integral locking system whereby the lock engages with the frame at more than one point upon the turn of a key or handle is acceptable in place of a five lever mortice deadlock).  If these requirements cannot be met see “Is there an amount to pay towards a claim?” below.

Do the premises where I will keep the equipment overnight need to be of standard construction?

Yes. The premises in which you intend to keep the equipment overnight will need to be built of brick, stone or concrete and roofed with slate, tiles, concrete, metal, asbestos or any other non-combustible material. If this requirement cannot be met, see “Is there an amount to pay towards a claim?” below.

Is the equipment covered whilst left in an unattended vehicle?

Yes, provided that the equipment is left out of sight from the exterior of the vehicle in a locked luggage compartment or boot and that it has not been left in a vehicle between the hours of 9.01pm and 5.59am. (It should be noted that leaving the equipment in the vehicle with a coat or blanket left covering it is most certainly not deemed to be out of sight – it must be in a locked luggage compartment or boot or there is no cover! If you have hired more than £5,000 equipment, cover is provided only up to £5,000 for theft from an unattended vehicle if the vehicle from which the theft occurred is fitted with a factory fitted or professional fitted alarm.

What if I am going on holiday and camping in a tent?

At any time, and not just overnight, there is no cover following Theft or Damage of any equipment from a tent, trailer or other similarly constructed structure whatsoever.

What if I am going on holiday and staying in a caravan or campervan?

If you are to go on holiday with our equipment, at all times the equipment must be left out of sight whilst inside the vehicle and all windows, doors lock and curtains must be closed.  (Proof of residence on a camp site may be requested in the event of a claim).

Does the insurance cover damage or loss of the equipment if I have to place in into the hold of an aircraft?

Yes provided that you have packed the equipment in sturdy, hard shelled, carry cases and not inside your usual suitcase.

What happens if I damage or lose the equipment or it is stolen?

Call us immediately. We will then want to discuss what has happened. If the equipment is valued at over £10,000, we will notify our Insurers and they may also want to contact you to discuss again what has happened or arranged for one of their claim managers to visit you. Please be aware that in the event of any loss or theft, the incidence must be reported to the police immediately and a crime report number obtained; in the event of damage or loss by an airline, you will need to obtain a Property Irregularity Report from the airline at the airport at which you have arrived. You will need to complete a form to confirm what has happened but other than that there is very little you will have to do other than provide us with any assistance we may ask of you and to provide us with any documentation we may reasonably ask of you.

Is there an amount to pay towards a claim?

Yes, the deposit you pay will be used as the main excess (10% of each and every claim), subject to a minimum of £150. If whilst staying away from your home address, the address where you are temporarily staying is not secured against forced entry by intruders in accordance with locks mentioned above, we will ask for the first 25% or £500 of each and every claim to be paid (whichever is the greater) following theft or damage from such an address.  

If, whilst staying away from your home address, the address where you are temporarily staying is not a building built of brick, stone or concrete and roofed with slate, tiles, concrete, metal, asbestos or any other non-combustible material, again we will ask for the first 25% or £500 of each and every claim to be paid (whichever is the greater), following fire, aircraft, lighting, explosion, storm, water damage.

If I have other questions about the cover who do I contact?

If you are querying the Hireacamera Damage Waiver (for all equipment under £10,000), please call us and we try our best to assist with basic questions. If you are hiring more than £10,000 worth of equipment, please contact Aaduki Multimedia Insurance Direct. The Financial Services Authority only allows those with a licence to practice insurance to provide insurance advice; as such we are not in a position to discuss insurance terms and conditions with you. Please tell them you have a questions about the 'Hireacamera Insurance' policy and they will be able to help. They are based in Okehampton, Devon and can be contacted on 018737 658880.

Please note that if you have any further questions on the Insurance at the time of booking with us, we will ask Aaduki to contact you to discuss your queries.