Tae Baker - Wet and Dry - Insurance

Tae Baker - Wet and Dry

11/24/2006 - Insurance - Why Bother????

Hi guys – after some advice.

My camera housing failed and fried my camera on the weekend (dive trip to Lady Musgrave – best trip ever but dead camera takes a little shine off it).

So – naturally I call my insurance company.

I have specified items – Dive Equipment (and I listed it out to include my camera, housing, bag, wetsuits, regs, computer, bc etc) which meant it SHOULD have been covered…

Should is the operative word. They won’t cover it because it shouldn’t have been listed down as diving equipment (though what you use underwater housing for is beyond me). Since it was photographic equipment (which I had not specified for accidental damage) they won’t cover it – because the housing failed. Since the housing failed, surely the camera would be covered? No… accidental damage is not covered. Then is the housing covered? No because it is not diving equipment and it could fail just through wear and tear so they won’t cover that either.

I mean seriously – what is the point of insurance then?

Can anyone suggest a GOOD insurance company that covers dive equipment in Australia????

Does anyone else even insure their stuff???

Help!

Tae

PS. Dive report coming – but no photos

11/24/2006 - Biggest Scam in the world. EVER.

Posted by rickydazla

I insure what has to be insured for other insurance purposes. Otherwise I've been rejected enough times on spurious grounds to be arsed with ends up amounting to money for nothing.

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11/24/2006 - In fact

Posted by rickydazla

I'm just emailing DAN now to clear up some queries I have with their cover...

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11/27/2006 - Thanks Ricky

Posted by Tae

I am still pissed orf. I WAS going to test my housing and try and get it fixed (at my expense) and maybe just buy a new camera (at my expense) only guess what? The camera that fits the housing is no longer for sale - GODDAMNIT!
So it looks like I am up for around $800 to buy a new camera, housing and memory stick - and that IS from ebay - forget the real gig.
Was still the best dive trip ever but this part blows monkey chunks.

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11/28/2006 - Untitled Comment

Posted by limeyx

I think the DAN insurance (through H2O insurance) works (a friend had to make a claim for a flood and it was approved), BUT it is expensive.

The price for my gear (I think) is over $500-750 per year so right now I am taking a chance.

And I think DAN only covers for flood damage, not loss (so you *still* need to get regular insurance on it)

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11/30/2006 - probably not quite cricket

Posted by indepth

I've had a few people say that they insure their camera, and if it floods they throw it over the side and simply claim it on 'theft' which is much easier than saying it flooded which has all sorts of hassles.

Still, I guess that's not entirely the right thing to do, however... I've never done it myself, but a few people I know have suggested it.

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12/4/2006 - UPDATE

Posted by Tae

I was advised to speak directly to Sony, and low and behold, they are more than happy to assist. So tomorrow I take my gear to be assessed and most likely written off. My camera is no longer for sale and no current cameras fit my housing, so if they can't repair the camera (which is seriously fried) I may be looking at a whole new system.
Next time (please let there NOT be a next time) I hope it happens within warranty or as in this case, just after it. Not sure how I feel about lying though - as you have to make a Statutory Declaration which is a legal document and therefore you are committing fraud. Well, I guess I do know how I feel about it. :)
Thanks for all the help, support and advice.

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