Dive Gear Insurance

General banter about diving and why we love it.
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H20doctor
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Dive Gear Insurance

Post by H20doctor » Tue Oct 08, 2013 2:00 pm

i know there is a thread about this somewhere Here ? but i thought i would repost this as i cant find the thread... A lot of us have very expensive gear , some of us have cameras that are over 4k , and others have divex scooters , expensive suits, dive gear , etc..etc.. a simple flood can ruin it , as i learned diving Day island wall a few weeks back i ruined my gopro by having the wrong door on it ... Cm stealth lost his Rig at Norranders reef ... if i ruined my Hd rig from a leak that would cost me over a thousand to replace... as with my sierra scooter $3600 ...
So who offers dive gear coverage ? and what are the companies ?
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Jeff Pack
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Re: Dive Gear Insurance

Post by Jeff Pack » Tue Oct 08, 2013 4:22 pm

I've often heard it comes down to adding a rider on your homeowners insurance, or using one of the DAN insurance policies.
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spatman
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Re: Dive Gear Insurance

Post by spatman » Tue Oct 08, 2013 4:49 pm

Was this the thread you were looking for?

viewtopic.php?f=2&t=18456
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H20doctor
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Re: Dive Gear Insurance

Post by H20doctor » Tue Oct 08, 2013 5:51 pm

yep that's the one... so is H2o insurance a good company ? Because Dan will only cover like$2600...
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H20doctor
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Re: Dive Gear Insurance

Post by H20doctor » Wed Oct 09, 2013 12:13 pm

so I take it most people have renters insurance it covers their gear? but does a renter insurance policy cover floods?
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CaptnJack
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Re: Dive Gear Insurance

Post by CaptnJack » Wed Oct 09, 2013 12:27 pm

H20doctor wrote:so I take it most people have renters insurance it covers their gear? but does a renter insurance policy cover floods?


Maybe check the policy? I rather doubt renter's or homeowners insurance is a good strategy to cover equipment you break or lose. Especially if you have a reasonable deductible to make the polict remotely affordable in the first place.
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Jeff Pack
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Re: Dive Gear Insurance

Post by Jeff Pack » Wed Oct 09, 2013 1:51 pm

the homeowner policies are cheaper, the downside being if you use your policy, your homeowners goes up substantially, costing you more in the end.

Or that seems to be the prevailing information on this from the varied scubaboard posts on insurance and the tradeoffs between DAN and an insurance rider.
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- I got a good squirt in my mouth
- I would imagine that there would be a large amount of involuntary gagging
- I don't know about you but I'm not into swallowing it

CCR discussion on Caustic Cocktails.

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CaptnJack
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Re: Dive Gear Insurance

Post by CaptnJack » Wed Oct 09, 2013 1:55 pm

Jeff Pack wrote:the homeowner policies are cheaper, the downside being if you use your policy, your homeowners goes up substantially, costing you more in the end.


Yeah they basically front you the money to replace your gear and you end up paying for it over the next 3+ years.
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Mattleycrue76
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Re: Dive Gear Insurance

Post by Mattleycrue76 » Sun Nov 03, 2013 6:28 am

Don't waste your money on DAN. They had they balls to tell me my injury was not "dive related" after I broke my leg exiting the water in full dive gear. They turned down both the medical expenses and the cost of the dry suit, which the EMTs had to cut off of me. I had their dive insurance as well as the gear insurance.
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