Camera insurance (Hepster)

Insurable devices: new and used electronic devices including original accessories, uniquely identifiable via the serial/IMEI number on the insurance certificate.

Insured events (Basis):

• Drop, breakage, sand and liquid damage (as far as use/display/function is impaired)
• Mechanically applied force
• Fire, explosion, implosion, overvoltage, induction, short circuit
• Sabotage, vandalism
• Battery wear; battery/display damage (unless covered under warranty/guarantee)
• Intentional, unlawful damage by unauthorized third parties
• Operating errors and improper handling

Extended variant additionally (theft module):

• Theft, if the device was carried securely in personal custody (constant visual/physical contact)
• Burglary theft from a locked car (in a non-visible area) or a locked house/apartment/room
• Robbery and looting (through use or threat of force, or seizure after loss of the ability to resist)

Territorial scope: worldwide; benefits are provided in Germany.

• The sum insured is not specified in euros in the IPID — it results from the insurance certificate.
• Entry-level price from €1.90/month (per the product page, as of: July 2026).

• Removable storage media, consumables/operating supplies, materials, tools, separately/subsequently purchased accessories, software of any kind, devices delivered defective, instruments
• Devices without a known serial/IMEI number
• Devices manufactured/modified to customer specification
• Gross negligence/intentional acts
• Battery wear once maximum battery capacity falls below 60% or the device is older than 4 years
• Loss through leaving behind, forgetting, or misplacing (outside the insured theft scenarios)
• Damage that already existed before contract conclusion
• Damage covered under warranty/manufacturer's guarantee
• War, civil war, internal unrest, pandemics, nuclear energy/ionizing radiation, strikes/industrial action, confiscation, government intervention

• No explicit waiting period stated in the IPID.
• No percentage deductible stated; a de facto coverage limit applies via the battery-wear age rule (60% capacity loss / 4 years).

• Obligations include: report the serial/IMEI number within 2 weeks of receiving a new/replacement device; report a claim online within 14 days; in the event of theft/burglary/robbery/looting/vandalism/sabotage, file a police report within 24 hours.
• Monthly subscription: minimum term 3 months, 3 business days' notice. Annual subscription: automatic renewal, same notice period.
• Claims reporting via https://hepster.com/de-de/schaden or de@support.hepster.com; customer service +49 (0) 381 / 203 888 00.

• Trust seals shown on the product page: Trusted Shops certification, SSL security seal, banking-check.de rating (per the product page, as of: July 2026). These are general shop/security seals, not a product-specific insurance test seal for the camera insurance.