Hey all,
Just wondering, many people insure their gear in their van?
Am sussing out some vans at the moment, and wondering just how much extra the insurance cover will be for "sporting" equipment.
Any one know? A few hundred on top of the van insurance?
Cheers,
K
I asked my insurance, I wanted the contents of my van covered up to 6000$ but they only agreed to 3000$.....
For just an extra 60$ per year.
Whatever the insurance companies charge you can bet they've a better handle on the probability of it getting stolen than you have. They'll come out ahead. Mark's figures of $40 a fortnight sounds exhorbitant? That's $1000.00 a year! For 3 boards, 5 sails, a couple of masts - $15,000 tops. It's got to all be stolen once every 15 yrs to break even. I've not had anything stolen in two lots of 15 years. Who has? Hands up. Not many I bet. Save your money.
I prefer insuring it as car theft is a national sport here...
They steal it, use it til they run out of pretrol and set fire to it...
Just wire the van door up with a grenade or some low grade explosives when you're not around and then you can claim it as fire damage!
Not to mention you won't get repeat offenders!
If I can't have it, then they can't either!
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Who do you use?
Please don't forget I'm overseas...
I use groupama
House insurance covers for theft and damage at home and in car, but not while in use. I had to itemise everything.
Learnt the hard way - had all my gear nicked from my car in Auckland many many years ago (~ '87) in the week before a long distance race across the bayside suburbs to the north shore, and it wasn't covered.
From a number of threads on here it appears that windsurfing gear is not what thieves are generally looking for. Hard to offload, easily identified and a limited market for hot gear.
Too the best of my knowedge you can only insure through your house insurance, they say if it is not bolted down motor insurance don't want to know about it.
I have all my gear ~ $25,000 through my house and contents and it adds about $800 a year to my policy. That includes damage or stolen on the water or in the van
My way of thinking is if I dont claim in 25 years I lose but in the end it is piece of mind. Think how long it would take to replace if you didn't have the funds
Has anyone spoke or quoted Club Marine. They do boats and yachts, A windsurfer is a transportable water craft. Maybe worth having a look.
