What items do you include in your Housing insurance

I am currently looking at which insurance to take for my housing and camera. There is a Dutch insurance for underwater equipment which covers UW photography.

My question is: do you put in the insurance the arms, zoom rings, etc? My concern is that for at least some items, such as extension rings, the insurance company might say that you need to have it covered because the housing will not working without it. Would it happen the same with the strobe arms? and would you insure all the extension rings or just one (an extension ring will not get damaged if flooded, the only concern is if it gets stolen).

Hope to hear your views on this.

thanks

Nuno

I don´t trust insurance companies so I don´t have any of my equipment insured. But, if you can, only include your camera and 10-22 lens.

I don´t trust insurance companies so I don´t have any of my equipment insured. But, if you can, only include your camera and 10-22 lens.

Hi,

How would you be able to insure just the camera for flooding if not including the housing? The malfunction will be always caused by the housing and not the camera.

Cheers,

Nuno

Numonix, I assume you're talking about Ridderpoort/Schox (or whatever it is called exactly these days?).

Standard 1500 worth is insured, and you can increase the amount to 5000. coverage is also for theft.

I used them for years, and they didnt complain when I asked them to pay when I accidently dropped a walky talky type thingie in the water.....

Gerard

Hi Gerard,

It is more or less that insurance that I mean. I tried to call Schox but those guys didnt want to talk with me because I did not speak Dutch. I checked which insurance it is they have for diving equipment and found out that Europeesche Verzekering offers the same diving equipment insurance. They were helpful to me and those are the ones I am planning to use. But I now need to decide which items to insure. If I put all of it it will be around 8000 Euros worth of equipment so I am trying to see if I can skip some parts (arms, for example).

that attitude disappoints me a little..

8000 worth, So... where do you hide your key? :-)

it more or less depends on what the cost will be to insure, and how confident you are that you wont need it on some parts. If in an emergency, you have to drop the housing and cant find it anymore, all the stuff is lost (except extra lenses etc....

that attitude disappoints me a little..

 

8000 worth, So... where do you hide your key? :-)

 

it more or less depends on what the cost will be to insure, and how confident you are that you wont need it on some parts. If in an emergency, you have to drop the housing and cant find it anymore, all the stuff is lost (except extra lenses etc....

That's true. But I guess is a matter of risk management. I might be okay to lose the money from the arms which will be less likely to have something wrong happening with them. But still, I have to be sure that the insurance will not tell me that will not pay for my flooded strobes because I did not insure the arms (if you know what I mean).

if the insurance company was of such much help, its probably best to ask...

PM me if you want an email to them translated into dutch

if the insurance company was of such much help, its probably best to ask...

 

PM me if you want an email to them translated into dutch

Hi. Thanks. I will probably ask them that although I guess I know their answer: "You need to insure everything"

I use DEPP, I insured everything that will die when flooded like camera, lenses, etc. Everything that wont die (housing for instance) I only insured for theft/loss, not for flooding. I carry spare parts to fix my housing anyways. I dont insure the little things like gears etc.

Cor

I have insured my camera, lenses, strobe and housing. I only did the housing because it would be cheaper to insure it then to replace the electronics inside (Ike housing) if it floods. Other than that, everything is insured against theft including all scuba equipment.

I use DEPP, I insured everything that will die when flooded like camera, lenses, etc. Everything that wont die (housing for instance) I only insured for theft/loss, not for flooding. I carry spare parts to fix my housing anyways. I dont insure the little things like gears etc.

 

Cor

This is the part I dont understand. Can you insure the camera if you are not insuring the device that will keep it dry (the housing)?

This is the part I dont understand. Can you insure the camera if you are not insuring the device that will keep it dry (the housing)?

DEPP has two different insurance options. 1) Theft/Loss, 2) flood. Primarily you insure every item for 1), but you may also include 2) for selected items. It makes no difference what items. Yes, you can insure camera for flood+theft, but only insure the housing for theft.

Cor

DEPP has two different insurance options. 1) Theft/Loss, 2) flood. Primarily you insure every item for 1), but you may also include 2) for selected items. It makes no difference what items. Yes, you can insure camera for flood+theft, but only insure the housing for theft.

 

Cor

Does DEPP have a website? I don't seem to find it.

Cheers,

Nuno

Does DEPP have a website? I don't seem to find it.

 

Cheers,

 

Nuno

it's here:

http://www.equipmentprotection.com/

/paul

I use DAN H2O insurance and insure everything in my camera bag. I don't expect to loose all that in a flood, I'm mainly concerned about theft while on travel. I leave all my gear in the hotel room (locked and hidden) but it can still be stolen.

This way I don't need a separate rider on my homeowners policy for this stuff. Its all too pricey for my standard policy to cover anyway and a rider won't cover flooding a housing, I checked. I don't think they will cover theft abroad either.

The most economical way may be to put only the strobes, housing, camera, UW use lenses and ports on H2O and the rest on a rider to cover theft/losses.

You definitely should consider insuring the housing for a flood. If its anything like the Ikelite housing a flood would destroy the electronics inside and be very costly to repair.

(Nunomix @ Mar 8 2007, 12:51 PM)

 

This is the part I dont understand. Can you insure the camera if you are not insuring the device that will keep it dry (the housing)?

DEPP has two different insurance options. 1) Theft/Loss, 2) flood. Primarily you insure every item for 1), but you may also include 2) for selected items. It makes no difference what items. Yes, you can insure camera for flood+theft, but only insure the housing for theft.

 

Cor

DEPP will insure your setup however you like as far as I understand. I have been using them for years. I believe if memory serves me right, you must sign up and insure a set of dive gear with them and then anything else you want photography/video wise. I insured my regulator and BC I think and then 4 camera setups and a complete video setup. I was more concerned with theft/lost luggage more so than flooding, so I had everything insured for theft which is a reasonable premium.

For the flood part, I just insured my Nikon camera bodies and Sony VX200 for video. All my SEA&SEA Strobes (8), housings(4), ports(4) Gates video housing, strobe arms, synch cords, etc, I left off the flood premium. At the time where I was living (Palau), and if I had an issue, it was easier to fix the stuff in the field, and as people posted earlier some things like strobe arms and extension rings really don't merit any type of flood insurance anyway. Theft on a dive vacation to other parts of the world spooked me more than a flood. Try calculating the premium with full theft and flood and then do one full theft and flood insurance for your most delicate pieces of electronics and look at the difference. If you don't mind the difference (which can sometimes be in the hundreds of dollars) insure it all.

In any case DEPP is great, and while I have never had a problem I have witnessed first hand how they take care of people who file claims. They do a nice job and I think they insure world wide as well. Unless DAN has recently changed their policy, I believe they only offer the flood insurance to US based divers, but I could definately be wrong. Anyway, I hope this helps you.

Doug

Thank you all for your information.

Indeed DAN does not insure non-US residents.

I will ready carefully the DEPP policy and will decide whether to go with DEPP or with a Dutch insurance company that offers insurance for dive equipment.

Cheers

Nuno