- Messages
- 53,687
- Reaction score
- 7,868
- # of dives
- 500 - 999
I avoid insurance but I'd read nothing but good about their PAP or Inland Marine coverage here on SB as many divers insure cameras with them. I had both dive puters, Nitrox Analyzer, Carbon Monoxide Analyzer, a few cameras, and my laptop on the plan mostly for trips, then my laptop got fried in a lightening storm at home. Even tho home policies often exclude such, this was covered - and it was the easiest claim I ever filed.
A week later the agent called to ask if I wanted replacement goods or a check? "I'll take the money, please" was my reply.
They looked for the cost on a replacement but how easy can it be to replace a 5 year old laptop with one just like it? Two days later they mailed the check. I had not realized how over insured I had listed the laptop, but they sent the full $1,000.
I only wish I'd had my BC insured with them when I punctured the bladder; the new one will soon be so - as will more of my gear and my new cell phone. Cell phone companies charge $5-10/month, $50-100 deductible and will replace with a rebuilt phone in a day or two. I'll pay $5-10/year, no deductible - plus buy a used Verizon phone on Ebay for backup to use during a claim - and I like to carry a spare on trips anyway.
If you're insuring with DAN equipment or DEPP, you're paying way too much. :shocked2:
A week later the agent called to ask if I wanted replacement goods or a check? "I'll take the money, please" was my reply.
They looked for the cost on a replacement but how easy can it be to replace a 5 year old laptop with one just like it? Two days later they mailed the check. I had not realized how over insured I had listed the laptop, but they sent the full $1,000.I only wish I'd had my BC insured with them when I punctured the bladder; the new one will soon be so - as will more of my gear and my new cell phone. Cell phone companies charge $5-10/month, $50-100 deductible and will replace with a rebuilt phone in a day or two. I'll pay $5-10/year, no deductible - plus buy a used Verizon phone on Ebay for backup to use during a claim - and I like to carry a spare on trips anyway.
If you're insuring with DAN equipment or DEPP, you're paying way too much. :shocked2:
