Whether you’re shooting cars at motor shows, shooting moving vehicles for a manufacturer or using a vehicle as a prop, today we talk you through your essential information relating to the various instances that require vehicle insurance.
Driving on the Public Highway
As we all know, when vehicles are being driven on the public highway, they are legally required to be insured under a motor insurance policy. This would as a minimum need to cover any third-party liability arising from the driving of the vehicle but in most cases would also extend to cover physical damage to the vehicle itself.
Shooting Motor Shows and events
Many photographers attend motor shows and events to capture images of classic cars in action. If you are planning on doing so, it is absolutely essential that you follow the organisers’ guidance and stick to areas that are designated as safe for photographers. Venturing out of these areas can put yourself and others at risk.
Shoots for Manufacturers
When you are shooting for a vehicle manufacturer, it will be the client’s responsibility to arrange insurance for the vehicles being used. In these instances, the vehicle is deemed the product of the shoot and therefore the responsibility falls on the client to insure them.
Shooting Stationary Vehicles
Where a vehicle is being hired or borrowed for a shoot, it is possible to cover it as a prop under a media insurance policy. It is relatively simple to arrange cover for the vehicle as a static prop when being filmed or photographed stationary. This can also be extended to cover collision cover for when the vehicle is being manoeuvred into position on set.
Shooting Vehicles Off Road
It is also possible to cover a vehicle being driven off road. This would need to include third party liability and physical damage if the vehicle is not already insured. Insurers will typically want full details of the speeds and distances being driven, any manoeuvres and or stunts, details of who is driving the vehicle, as well as their experience.
Production Vehicles
Finally, it is also possible to insure hired production vehicles used behind the camera such as golf buggies. Insurers will want details of the vehicles, how they will be used and who will be driving.
