Anyone have any tips regarding insurance for your gear (cameras, kites, boards and whatnot) that are kept in your car if it gets broken in to and stolen

Recommended insurance companies and such? I need to get an insurance for my **** now and would love some pointers where to start because it's a jungle out there and it would probably save me a few hours on the phone/computer comparing companies, prices, conditions and such.

Thanks

Dave... I got my sunglasses stolen from my car earlier this month. NOBODY would cover them!

Dont go leaving those puppies in your car!

harrytesties said...

there be no better insurance than a baseball bat....

Hey Harry.
Good to see you posting on the Forum.
I think we have a mutual friend. Sandy Crak.

cRAZY Canuk said

It's probably a good thing to note that sports equipment isn't covered for theft outside the house by most insurance companies

Any sports equipment with wheels isnt usually covered if it stolen from INSIDE your house either, toddlers tricycle is covered as a toy but everthing else is excluded. Mountain bike, road/racing bicycles, trail and motocross dirt bikes, so easy pickings and no comeback on most home policys (ours RAC).
Dont know that kiting gear would be covered inside either unless specifically detailed in policy.

Recently had 2 motocross bikes stolen from inside. Only decent insurance policy was Swann- had to be completely separate single policy and premium for each.

When we insure kiting gear it will be the same (separate policy) because our 'no claim bonus is 60%' on house/car etc and I dont want to stuff that up. (Havent done it yet)

I'm with NRMA and they are great (as long as you have separate cover for each specified item) I am thinking of changing to Allianz though because working in the industry you pick up a few things (not discounts) plus I am better able to understand the hidden traps/wording in the PDS.

Note: ALWAYS READ YOUR PRODUCT DISCLOSURE STATEMENT CAREFULLY!!!
I have seen sooooooooo many people who think that they are covered and are absolutely heartbroken when they find out that they aren't. It's not a good feeling telling someone whose house burnt down or flooded that they don't have full coverage.

Sometimes it is best to pay that bit extra for the coverage, but beware as most insurance companies update their PDS annually. (So what you are covered for now you might not be covered for when they update their policies) And always OVER estimate the value of what you are insuring (when it comes to home and contents as the cleaning expenses are paid with your payout)

getfunky said...

trevor1 said...

harrytesties said...

there be no better insurance than a baseball bat....

Hey Harry.
Good to see you posting on the Forum.
I think we have a mutual friend. Sandy Crak.

Oh yeh - I know her, she has that real weird brother Gotany Crack and also her real ugly sister Backsaken Crack.

Geez, what a small world. I know her uncle from Scotland, Phil McCrackin

Sprucey and Skinty (Cory) look like twins

But on the insurance side my home insurance covered a "lost" board last year no probs, just have the top cover. The new $1,000 Underground makes up for all those xtra payments.

Thanks for the tips guys, gonna sit down and call around on monday see what I can get.. Another phone nightmare on my hands after having had to do the same with telstra/iinet/netspace and such for over a month. YAY!