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Insurance forum

baggage insurance

Posted by elysek on 24/6/2012 at 15:44

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 elysek has been a member since 22/5/2012. Posts: 9

Posted by busylizzy on 24/6/2012 at 19:47

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 busylizzy has been a member since 31/12/2007. Location: New Zealand. Posts: 2,152

Posted by Ann80 on 29/6/2012 at 04:56

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 Ann80 has been a member since 18/6/2012. Posts: 10

Posted by altmtl on 30/6/2012 at 12:47

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 altmtl has been a member since 18/5/2009. Location: Canada. Posts: 1,003

Posted by Ann80 on 2/7/2012 at 04:44

How much do Securiglobe quote for baggage insurance? Has anyone you know recommended these brokers ?

#5 Ann80 has been a member since 18/6/2012. Posts: 10

Posted by naikman on 20/6/2013 at 00:53

I know this is an old thread but this is a very important note regarding insurance.

As Ann80 noted you must keep these expensive personal items with you at all times. I was insured by a company called 1Cover in Australia and had my iPhone stolen from a locked bag within the baggage compartment of a bus while traveling in Cambodia. There were employees sitting in the baggage compartment and they must have stuck their hand within the crack in the zipper of my bag that opens before the zip is stopped by the lock that was on it.

When claiming for the stolen iPhone I was advised that their is a loophole for 1Cover that doesn't allow you to claim for personal electronic items stolen within a baggage compartment. Only when stolen when the items are in your possession.

The bus was a sleeper bus and after a very uncomfortable 3 hours on the bus I moved my backpack from with me on the bus down to the baggage compartment. So be extremely careful to read the terms and conditions of your insurance as this condition which may appear on many insurance companies terms and conditions. They will weasel their way out of anything these slimy companies.

#6 naikman has been a member since 26/9/2012. Location: Australia. Posts: 3

Posted by gauravks on 19/12/2013 at 06:24

I'm not sure, but I think travel insurance plan also cover baggage lost. Correct me if I am wrong.

#7 gauravks has been a member since 18/12/2013. Location: India. Posts: 29

Posted by Lovie on 23/7/2015 at 05:09

Try asking the insurance or read the policy first before buying. You can also tell them that if they have an insurance that well cover your baggage item.

#8 Lovie has been a member since 19/7/2015. Posts: 5

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