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Our products
Insurance cover tailored to your needs
Photography equipment
Whether you're shooting for fun or working professionally, your equipment is covered against theft and damage.
Learn moreMusical equipment
Perform with confidence - your instruments, amps and audio equipment are fully protected.
Learn moreOther insurance
Coming soonFlexible cover for your most valuable assets. We'll soon be launching products in collectibles and jewellery.
Customer reviews
Reviewed by the people we protect.
4.9
Google rating
As of October 2026
Selected Google reviews, quoted as written.
Read all reviews on GoogleWhat we cover
Comprehensive protection for you and your equipment
Theft
Protection against theft, whether at home or on the move.
Accidental damage
Cover for unexpected damage sustained at home or away.
Unattended vehicle cover
Protection for items left in a locked vehicle and kept out of sight.
Worldwide cover
30-days cover while travelling abroad. If selected, option to extend to 365 days.
Optional extension
Equipment on loan
Cover when equipment is loaned out to friends and family.
Replacement hire
Temporary replacement equipment while repairs take place. Only available with a paid policy.
Paid policies only
Mechanical breakdown
If selected, this option covers against sudden mechanical or electrical failure. Only available with a paid policy.
Optional extraPaid policies only
Ready when you are
Get covered in around 3 minutes - 10% off applied online.
Our underwriter
Proud to be partnered with an A+ rated insurance carrier.
Insurance is underwritten by Great American International Insurance (UK) Ltd, member of Great American Insurance Group.
A+
Rated by Standard & Poor's
Rating affirmed 18 March 2025
- Personalised service
- Bespoke specialist insurance provider
- Telephone based claims service
- Dedicated UK-based call centre
- When a claim is accepted, payment is made within 5 working days
Why Collective
Why choose us for your insurance needs?
Specialist provider
Specialist cover for niche items not fully protected by standard home insurance policies.
Fast claims process
Fast, hassle-free claims - making things simple when you need support.
Trusted expertise
Our A+ rated insurer has over 30 years of experience in the UK.
Expert UK-based support
Dedicated customer assistance - expert support whenever and wherever you need it.
Affordable premiums
Comprehensive, affordable cover that doesn't compromise your budget - pay annually or monthly.
Customisable plans
A flexible approach to cover, specifically tailored to your individual requirements.
“We started Collective because protecting the things you love should feel easy and uncomplicated. By working with specialist retailers, we make insurance easy to access at the moment you need it most.”
Specialist insurance
Insurance cover designed for creators, collectors, and originals. Protecting your passions at home, at work, and on the move.
Get a quoteFrom £4.08 a month* · 10% off applied online
From £4.08 a month*
10% off applied · 3-minute quote
Get a quote