Insurance forum
baggage insurance
Have questions? Jump to our menu of forum quicklinks
Add your reply
You need to be logged in to add a reply.
Not a member? you can join here.
Welcome to Travelfish, original Asia travel intelligence you can trust
Menu
elysek
Joined Travelfish
22nd May, 2012
Posts 9
Member profile
Profile private
Messaging not enabled.
I will be in southeast asia for 6 weeks in July and August. I am already covered for medical, although I have been looking into baggage coverage. I will be taking my fairly new DSLR camera, and also my iPhone (both of which I plan on having on my most of the time). I will also have a new backpack, as well as obviously all my travel documents which would add up if I needed to replace them. My camera is over $1000, which I am finding is a value not normally covered so I might have to settle for only partial coverage. Any recommendations on whether it is worth it to get coverage for my belongings and which companies offer the best rates (Im canadian). Also, please no snarky remarks about bringing expensive items. I am a photography student, and wouldn't dare not bringing along my camera on a trip like this. Thank you!
#1 Posted: 24/6/2012 - 15:44
busylizzy
Joined Travelfish
31st December, 2007
Location New Zealand
Posts 1875
Member profile
Profile page
Private message
The question about whether or not it is worth getting coverage is determined by whether or not you can afford to cover (or forfeit) the cost of a replacement if the worst happens. Think through the worst case: the camera gear is stolen or dropped overboard on a boat. How much will the insurance company pay out and how much is a new one? Are you prepared to pay the difference? Now compare that difference to the what you would have to pay to cover the cost of taking extra insurance to cover specific items. Can you afford to take the risk of having to pay that difference, or do you pay more now upfront to cover that risk?
Check with the insurance company, too, about how they define the value of a camera. Is the body one item up to $1000, and the lens another item worth up to $1000 (ie a total of $2k)? Or is it a combined value?
I've carried a DSLR, two lenses, netbook plus small point and shoot on several trips and have never lost a thing. But I'm careful and sensible. I always lock gear up in my back in the room when I don't need it while out and about, and NEVER leave it lying around in the room. Sames goes with cables, etc that advertise the fact that I have gear. And when in transit, I ALWAYS carry it in my daypack which it with me at all times.
#2 Posted: 24/6/2012 - 19:47
------------------------------
As you grow older, you'll find the only things you regret are the things you didn't do.
Advertisement
Ann80
Joined Travelfish
18th June, 2012
Posts 10
Member profile
Profile private
Messaging not enabled.
You must keep most of your handy gadgets, your camera phone and documents in your hand carry. i agree with busylizzy, you must NEVER leave it alone. Even if replaced, the pictures cannot be replaced. nothing is as good as the original. Then i suppose you wouldn't really be requiring insurance for these items:)
#3 Posted: 29/6/2012 - 04:56
altmtl
Joined Travelfish
18th May, 2009
Location Earth
Posts 765
Member profile
Profile page
Private message
I found a company based in Canada that I will use during my next trip, instead of nomads, as I was not happy with them. They are Securiglobe.com.
#4 Posted: 30/6/2012 - 12:47
altmtl's social networks[Twitter] [Facebook]
------------------------------
Join the FB Group: South East Asia 2013 - Travel buddies and more...
Ann80
Joined Travelfish
18th June, 2012
Posts 10
Member profile
Profile private
Messaging not enabled.
How much do Securiglobe quote for baggage insurance? Has anyone you know recommended these brokers ?
#5 Posted: 2/7/2012 - 04:44