photoGuard Avis 

Very smooth, fast and supportive claim process.

Really helpful and quick to get everything processed.

Sharon went through everything clearly and easy to understand.

Hassle free called gave details and sorted next day highly recommend

Quick and efficient claims handling, my 3rd year as a client and I've been happy with my photo guard insurance

They refused a payout on a genuine claim.

An unspecificed item was under the limit. I proved purchased and ownership but the claim was refused and not honoured. I was told my paperwork was in order but claim refused as the item was newer than the policy.
This is a shocking and unenforceable clause that seems to have been added after I signed up, if it was ever there.
The practise is ethically dubious at best. I didn't challnge it fearing I would find a black mark against my name on their internal Insurers databases, and have future policies refused.

EDIT: They're now asking Truspilot to get me to release more personal detail so they can use it as an excuse to take my negative review offline. Be aware, companies are now actively managing their reputation and harassing journalists who are making reviews in good faith. I fully expect them to ask for this negative review to be taken down because it's not 5* and shows them for turning down insured claims for bogus reasons.

2nd EDIT: They replied and you can see what they used to refuse a claim on UNSPECIFIED ITEMS which they they decided was SPECIFIED.
It's a contradictory clause they clearly use to knock back any claim they don't like the look of. Bad faith.

3rd Edit: they're now telling LIES about an item I have full OWNERSHIP of before, during, and after the claim.
Photoguard actively make false accusations against a claimant in public with no supporting evidence. I would suggest NO ONE uses their service as they make defamatory statements against negative reviewers making truthful reviews.

Forty people now have read this, which is lost revenue into thousands of pounds for them.

Would you buy insurance from a company who attacks a Chartered journalist making an honest claim in good faith?
4th EDIT: THEY ARE STILL ATTACKING ME years after the event. This is dirty and unwarranted.
It is a prime example of an insurance provider using whatever they can to wriggle out of a claim.
DO NOT USE PHOTOGUARD IF YOU ARE A PHOTOGRAPHER. Onboarding is what they focus on, it feels great, but when you come to claim don't be surprised if they don't pay out and you're left with your loss entirely uncovered.
DO NOT USE PHOTOGUARD

Website could be improved especially on case sensitive email address and date of birth information.

Been with PhotoGuard for many years - never have had the misfortune to make a claim - but well worth the money paid for a solid policy and the peace of mind that comes with it.

Easy to sort out. good quality service.

Simple, efficient renewal at a fair price. 3rd year and very satisfied with service.

very easy process plus great value for money

I phoned and had a very helpful member of staff. New policy taken out.

Very polite and identified my requirements with ease and then covered the way the insurance works without being too stressful over the matter. The fact I changed the insurance a few days later didnt seem top bother them as long as I had the cover I required going forward. A+++++

Good customer service and price

I found them a very easy company to deal with. I was having a lens on trial from Fujifilm and needed to have quick cover. The process was fast, easy and painless and the rates were great. Couldn't better the products or customer service. Would certainly use them again!

Great service

No fuss in re upping my account pleasure to deal with

Properly one of the worst photography insurance companies I have ever paid money for.

Been with this company for years and had no issues

Took six days to complete the claim. I was asked repeatedly on separate days about the circumstances of the claim. I'd immediately reply to an email and then have to wait 24 hours before I got a reply.