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Keep focusing wherever you are

Enjoy taking your camera wherever an unbeatable frame presents itself – worldwide. Cover your camera and equipment against loss and damage when on the road.

Is insuring your
camera a hassle?

Hours of talking to salespeople, dozens of different forms to fill, opaque pricing with inflexible long contracts are making you confused and frustrated. Don’t let your passion be tainted with paperwork -You should have control over this.

Kovernow puts you in control

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Fully Digital Process

Kovernow offers a door-to-door insurance service, from pricing to policy purchase and claims. Do it completely digitally on our mobile app.

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Transparent & Instant Quote

Just add some basic information on your watch and we will provide an instant premium quote. Your premium will be updated monthly based on the latest valuation of your watch, so you will always be insured for the right amount.

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Protection for Loss and Damage

Our Policies (underwritten by QBE Singapore) cover both loss and damage. For your damaged watch you will be reimbursed for the repair cost, for lost watches you will be paid the agreed value.

Focus on what truly matters.

We understand you want to enjoy using it without the frustration of long insurance processes.

With Kovernow:
  • A database of camera prices (updated daily!) for accurate valuation points
  • All processes are completely digital
  • In-app support

Protect your luxury jewellery quickly and easily with Kovernow

Upload your camera

Select your bag from our camera database to get the most accurate valuation and data.

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Get your insurance quote

Your monthly quote is based on your camera’s current market valuation. That way you will never be over- or underinsured.

Purchase Kover

Simply pay the policy and it will automatically renew every month. Your camera is now protected and you can cancel anytime.

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Making a claim has never been simpler.

You may conveniently claim through our in-app claims module. All we require is a description of events that transpired and possibly supporting documents which you can upload via the app.

Your policy reprices every 30 days to adjust to market value. You can cancel it at any point in time if you no longer need coverage.

What do we insure?

We insure against loss and damage caused by events that involve you. So if you drop your bag by accident and it gets damaged, we take care of the cost of repair or replacement. In the unfortunate event that your bag is stolen, you will receive the actual value stated in the Vault.

In contrast to a warranty, which covers your bag for manufacturing defects, we cover events that involve you.

Home contents cover is limited to your home and is not all risk. These home policies typically come with deductibles and caps on value of personal effects.

Home Insurance
Global Cover
No Appraisal
No Deductibles
Mechanical Failure
Only at home + Deductible
& Cap
Not always
if camera is more than cap
Example Pricing Table
Camera Model Value (SGD) Monthly Premium (SGD)
Canon PowerShot G7 X Mark III 999 3.31
Sony RX10 IV 2,499 7.50
Canon EOS R5 Body with RF-24-105mm Lens 6,800 19.54
Nikkor Z 800mm f/6.3 VR S 9,699 27.65
Leica M11 (body only) 13,040 37.00

Whether you are a professional photographer with multiple cameras or a beginner looking to protect your first camera kit, we are here to help.

Most homeowners’ policies are designed to protect your home contents only and typically exclude or limit camera coverage. So, if your camera costs more than the coverage limits, you will not be able to fully recover any loss.

KoverNow Digital Insurance, underwritten by QBE, provides “all-risk” cover for most cases of loss (no deductible) and damage so that you can protect your cameras easily and focus on using them wherever you are.

Memberships & Certifications & Insurance Partners

Insurance that
puts you first.

Download the KoverNow App to protect your camera today.

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