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Foto Koch - Camera insurance for your photo insurance

Foto Koch complete protection - The insurance for your camera equipment

The all-round carefree package for your new camera equipment

You can protect your camera equipment with Foto Koch complete protection. Protect your camera, Lens or accessories against consequential costs caused by damage caused by yourself or others. Foto Koch complete protection is valid for up to 3 years. In the event of damage, we will take care of all claims processing and repair costs

These cases of damage are covered

  • Impact, drop and liquid damage not covered by the warranty against manufacturing and material defects
  • Material and functional defects in the 3rd year after purchase
  • Short circuit, overcurrent and overvoltage
  • Weather-related damage caused by: Lightning, storm, frost, hail, fire
  • Burglary, robbery, vandalism and intent by third parties or malice
  • Theft from the car, if locked and not visible from the outside
  • Damage or destruction due to operating errors (no mechanical wear and tear)
Camera equipment also insured on vacation

Your advantages at a glance

  • no deductible for new items, €50 deductible for used items
  • one-off payment without follow-up costs
  • Claims handling and repair costs covered
  • in the event of a total loss: Replacement with an equivalent device
  • one-off payment
  • Contract expires automatically after 3 years

Foto Koch complete cover term

As a rule, your camera equipment is protected for up to 3 years with the one-off payment. After 3 years, Foto Koch complete protection expires automatically without the need for termination. However, it can be extended for a further two years.


There is a one-off payment for Foto Koch complete protection, which is based on the value of your equipment

Value of the equipment Price for 3 years Price for 1 year
up to 100,00 € 39,00 € 15,00 €
up to 200,00 € 49,00 € 18,00 €
up to 350,00 € 69,00 € 26,00 €
up to 500,00 € 99,00 € 37,00 €
up to 750,00 € 109,00 € 40,00 €
up to € 1,000.00 129,00 € 48,00 €
up to 1.500,00 € 189,00 € 70,00 €
up to € 2,000.00 239,00 € 88,00 €
up to 2.500,00 € 299,00 € 110,00 €
up to 3.000,00 € 359,00 € 132,00 €
up to 4.000,00 € 429,00 € 158,00 €
up to 5.000,00 € 479,00 € 176,00 €
up to 6.500,00 € 599,00 € 220,00 €
up to 8.000,00 € 719,00 € 264,00 €
up to 10.000,00 € 839,00 € 308,00 €
up to 12.500,00 € 959,00 € 352,00 €
up to 15.000,00 € 1.079,00 € 396,00 €
up to € 17,500.00 1.199,00 € 440,00 €
up to € 20,000.00 1.319,00 € 484,00 €
up to € 22,500.00 1.439,00 € 528,00 €

Protection for any equipment

Used and new equipment

Protect your camera, whether new or used. Foto Koch complete protection can be taken out for both new and used equipment up to a value of €5,000. In the event of damage to used equipment, a flat-rate excess of €50 applies. You can also protect your complete camera equipment, consisting of new and used equipment, together.

Commercially used equipment

Even if you use your camera equipment for commercial purposes, you can protect your camera. With Foto Koch complete protection, your entire equipment is covered in the event of damage. If you are entitled to deduct input tax, the compensation will be paid out without VAT in the event of damage.

Foto Koch complete cover can also be taken out for equipment purchased from another dealer.

Equipment used commercially

Even if you use your camera equipment for commercial purposes, you can protect your camera. With Photo Protection Plus, your entire equipment is covered in the event of damage. If you are entitled to deduct input tax, compensation will be paid without VAT in the event of damage.

PhotoProtection Plus can also be taken out for equipment purchased from another dealer.

For which devices can I use Foto Koch complete protection?

  • Cameras
  • Flash units
  • Lenses
  • Camcorders
  • Binoculars
  • Tripods

With Foto Koch complete protection, you can not only protect your camera, but also all your equipment. The decisive factor is that the items to be insured must have a serial number.
You can also insure devices that you have not purchased from us with our Foto Koch complete protection. The following requirements must be met:

  • In the case of new devices, an original invoice must be available that is no more than two weeks old (we require a copy of this)
  • Regardless of whether it is an old or new appliance, it is essential that we carry out a technical inspection of the appliance in one of our branches.

What can I protect?

  • Digital cameras
  • Analog cameras
  • Camcorders
  • Lenses
  • Flash units
  • Binoculars
  • Spotting scopes
  • Telescopes
  • Projectors
  • Printers
Yes, but the equipment must first be checked by us for damage. The insurance cover is valid for 3 years with an excess of €50 per insured event.
Yes. (Proof of purchase must be available.)
Yes, commercially used appliances are also eligible for insurance.
Yes, this is possible!
Yes, if the device was purchased from Foto Koch.
Yes, but only through us.

What damage is covered?

  • The insurance covers damage to or destruction of the insured item due to an unforeseen event
  • due to operating errors
  • Clumsiness or intent on the part of third parties
  • Design, material or workmanship defects
  • Short circuit, overcurrent or overvoltage
  • Fire, lightning strike, explosion
  • Burglary, robbery, vandalism and malicious intent, theft from motor vehicles, provided the vehicle is locked and the insured object is not stored in such a way that it is visible from the outside.
  • Storm, hail, frost, liquid damage.
  • Damage or malfunctions due to normal wear and tear (exception: mechanical wear and tear)
  • Damage caused by scratching or denting, surface damage, loss of color, etc. that does not lead to a malfunction
  • Damage caused by improper storage, use or improper operation of the insured item
  • Damage due to simple theft
The insurance covers the replacement value over the entire term. At the time of damage, an equivalent device will be reimbursed at the new price, up to a maximum of the purchase price.
Yes, burglary and robbery
Only simple theft, theft by trickery and loss are excluded

Yes, rechargeable batteries and batteries are also insured.

The insurance cover applies worldwide (excluding war zones and crisis areas).

New goods no excess, used devices €50 per claim.

Contract - General

Protection is provided immediately upon purchase of the device and payment of the single premium.
  • FotoSchutz Plus; the contract runs for 3 years. Cancellation is not necessary.
  • SmartProtection Plus; the contract runs for either 1 or 2 years

Yes, for 2 years, but only with us.

You can revoke your contractual declaration within two weeks in text form (e.g. letter, fax, e-mail) without giving reasons.

The period begins on the day on which the policyholder receives the following documents:

insurance policy, contract components, insurance conditions, contract information and instructions.
Timely dispatch of the revocation is sufficient to comply with the revocation period.
No, the contract expires automatically after 3 or 2 years without the need for termination.
Yes, because the insurance cover relates to the device, not the owner.
Yes, you can add up the value of all the devices to be insured.
You pay a single premium to us, which depends on the purchase price of the device.


Call us on our telephone number:


Immediately or within a reasonable period of time, e.g. after a vacation.
A total loss is when the repair costs for the defective device would exceed the cost of a new purchase.
In the event of a total loss, the appliance will be replaced with a new appliance of the same type and functionality. However, up to a maximum of the purchase price.
The transportation costs are also insured.

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