jcr_au wrote:In the last hour I've done a quick tote up of my camera gear, which comes to something over $6000, (which wasn't insured), and been on to my insurance company. For $200 pa it is now
There are contents policies for your home that cover accidental damage to all of your goods anywhere in Australia and NZ. I have had one since 1988 on the basis that on any given trip, I am typically carrying $3-4000 of camping gear. If the pack falls off a cliff, it is all covered.
And also on insurance, make sure you use the cost of replacing the lost or damaged item with *brand new* items. Forget about how much it cost you 10 years ago - current replacement cost is what you insure for. (Speaking from experience of a major insurance claim three years ago where I ended up being underinsured by about 50%.)
My policy is with CGU. Camera gear generally does not have to be listed separately. And adding $40,000 to my sum insured only added about $200 to the premium.
Cheers
David
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