"David A. Mann" wrote: > Hi all, > > Last week I finally gave in to that nagging voice in the back of my head after > about two years, and went to talk to my insurance agent regarding my photo > gear. > > It turns out that under my current house contents policy, they will only pay > "market value" for any "camera or accessory" up to NZ$1500. But if I > upgrade the policy (at very little extra cost) it becomes _replacement_ value up > to NZ$2000, unless specifically listed on the policy. > > So I went home, made out a list of my most valuable gear: totalling 1 body, 7 > lenses and a spot meter, and took it to the camera shop for an "official" > valuation which I just received back today. > > I sure hope you're all well covered because some of this stuff is not cheap. A > new SMC-A 15mm/3.5 was quoted at 5 times what I paid for it secondhand > about two years ago. At least you can still get those new. I suspect the values > I was given for the A*85/1.4 and A*300/4 were for the FA*85/1.4 and > FA*300/4.5 respectively. > > Pretty soon I'll finally be well covered financially for any loss, but that won't > cover the heartbreak and the inconveniece of not having the gear so I'll have to > remain as vigilant as always (paranoid may be a more suitable word). > > I do wonder about my negs and slides though. Maybe I'll discuss that with the > insurance people tomorrow but it will be hard to come up with any kind of value > on them, especially as they're not being used commercially (at this time). > > Cheers, > > - Dave > > David A. Mann, B.E. (Elec)
I was in a similar state insurance wise until I got my 600/4.0, then I got coverage for replacement value & away from home. There is still one warning though, the insurance will only cover up to $1500 for damages or loss of equipment while it is in a car. The insurance rep said that the reason for such a low coverage for equipment in a car is because theft from cars is so high. The equipment is fully covered if I damage it while hiking in the mountains, if it falls of a tripod, I drop it, or if the house burns, but not if it is in a car, not even if I am in the car at the same time of damage or loss. I got into a lengthy discussion with the insurance rep over the issue of loss or damage of equipment while it is in a car & they are very rigid about that point. Coverage is to the maximum of 1500 even if it is damaged in a motor vehicle accident while I am in the car or if someone steals it from my car while I am in it trying to fight them off. I would like to know if insurance companies other PMDLers use (especially Canadians) give better coverage to equipment while it is in a car. -- David S. Nature and wildlife photography http://www.sheppardphotos.com - This message is from the Pentax-Discuss Mail List. To unsubscribe, go to http://www.pdml.net and follow the directions. Don't forget to visit the Pentax Users' Gallery at http://pug.komkon.org .
