For every story worth capturing, we are here to protect the gear that brings your vision to life.
Limits far higher than conventional home or travel insurance
Your items are protected at home and abroad*
*Territorial restrictions apply
Covers accidental damage and loss including fire and theft
Claims are settled based on the insured value with no deductible
Tailor your coverage with 3, 6, or 12-month plan options—designed to fit your needs and budget.
Gifts or engagement rings for your family members who live at the same address are covered
Policies underwritten by QBE Insurance (Singapore) Pte Ltd
Add your items to the Vault in just a few taps. Our comprehensive database provides model references and indicative market or retail values, helping you organise your collection and prepare it for instant cover.
Get instant quotes and secure your policy in just a few clicks — enjoy easy access to your policy wording and let your cover renew automatically for continuous protection.
Get instant quotes and secure your policy in just a few clicks — enjoy easy access to your policy wording and let your cover renew automatically for continuous protection.
Access all your policies anytime through the app. Everything is digital with no paperwork including filing a claim.
Provide description of what happened and submit a policy report for covered loss or repair estimation/quotation for covered damage on the KoverNow app
Our underwriting partner may ask for further information and documentation to investigate your claim via email
Once your claim is finalized, you will receive the compensation for the agreed value of your item
Home and travel insurance often have gaps for high-value items.
See why KoverNow offers smarter, more flexible protection.
KoverNow camera and lens insurance is designed specifically for photography enthusiasts who wish to protect their cameras and lenses used for personal and non–commercial activities.
For photographers using their equipment for business purposes, we recommend reaching out to your business or liability insurance provider to explore suitable coverage options.
We base your premiums on the current market value and any additional information you provide. Because the value of items may change over time, you might see a drop or rise in the premium at renewal. This just means the insurance cost is keeping up with your item’s current market value.
Download the KoverNow app and upload item details to get instant quotes. You will also need a receipt and/or valuation letter together with selfie(s) with the item as valid proof of ownership. Coverage kicks in right away after purchase.
Yes. You will need a receipt and/or valuation letter to insure your items as valid proof of ownership. If you do not have a receipt, you will have to acquire a valuation letter.
These documents are vital to ensure you receive the coverage and compensation you deserve in the event of a claim.
We specialize in items insurance tailored to protect each of your possessions based on their individual value and risk, offering global protection. Unlike Home Contents Insurance, which typically imposes coverage limits for each item category, our policies are designed to accommodate the unique needs of luxury items that may appreciate in value. Relying on general Home Contents insurance could leave these high-value items underinsured in the event of loss, meaning if your item costs more than the limit, you won’t be able to replace it with a similar item. Additionally, Home Contents policies often bundle services that may not be necessary, potentially leading to higher premiums. With KoverNow, you ensure your premiums are affordable and your coverage is adequate with transparent policies.
Warranties typically cover mechanical failure only, while KoverNow’s item policies offer “all-risk” protection including accidental damage, loss and theft.
We are available to all legal residents of Singapore of legal age, with access to SingPass:
No, our policies are structured for simplicity, so you do not need to worry about either.
Yes. We will send you a reminder of your latest invoice with the updated premium 3 days prior to the renewal date via email.
You can file a claim 24/7 in the KoverNow app by clicking “Make a Claim” in your policy tab. We will guide you through the rest of the short process there.
The underwriter of the policy will reach out to you via email should there be further investigation or documents needed.
The KoverNow app provides exceptional coverage for your items and trips as well as fully digital claims journey. Get free and instant quotes today.
