Insurance – Necromancing an old topic
marlonParticipantJuly 25, 2018 at 8:53 amPost count: 323
It’s been YEARS since I first asked this question.
What’s up in insurance world lately with regards to “all risk” camera gear?
I used to be with my 4×4 insurance (Tuffstuff) and they had amazing all risk coverage, but since I don’t 4×4 anymore, I moved away. Currently with a “general” (read: typical pay pay, deny deny claim) discovery insurance… Frankly, having seen the service and issues so far, I am very scared of ever needing to claim for camera gear.
What and who are you guys using? I don’t want to turn it into a “plug my friends company” post, but names would be nice, facts are facts… if theres a good reliable insurer for this stuff, I want to know about it. Both me and wifey have some expensive stuff (well to us is, and a mugging or car fire would render it irreplacable).
Specialist insurers of just a good general insurance? Just want to hear your thoughts.
Thanks in advance.
elsahoffmannModeratorJuly 25, 2018 at 8:09 pmPost count: 3716
Marlon, I switched to a new company about two years ago, (purely because their premiums were half of my previous premiums) and have had one claim for repairs on a lens which was damaged when I fell off the stairs and it hit the tiled floor (noooo I was not inebriated 😉 )
I have been very happy with service – as well as premiums – and all my gear is insured all risk
From what I recall – its a group that designed his package on the request of some big company in PTA/JHA – perhaps @photo or something like that. Their premiums were the best I have ever seen, and still with full cover for accidental damage, theft and accidental loss – I hope that still is the case…
This is my own experience – haven’t heard anything else about them
It used to be CGI (underwritten by Alexander Forbes) – changed name or was taken over by APIO
[TD]HEREWITH THE INFO – I have dealt the both the people in Account handling team.
Apio Risk Services is a boutique risk and insurance business. We provide a range of bespoke risk and insurance products to our customers, to protect their assets and liabilities. The word Apio itself means ‘connect’ in Latin, which is a fitting reference to the networks that we have built up over the years.
Richard Hood (Director) [email protected] 011 799 6410
Derek Strydom [email protected] 011 799 6409
Postal Address: PO Box 70182
Physical Address: 4 Georgian Crescent West,
Office Telephone Number: 011 799 6400
Web Address: http://www.Apio.co.za
marlonParticipantJuly 26, 2018 at 9:55 amPost count: 323
Thanks Elsa for the reply, and the PM’s I got.
I need to switch asap, confirmed this morning how many fine print catches there are with my general discovery insurance at the moment, it’s good but not great. If I slip and fall on my backpack, it seems there will be some drama.
Hope this post will also help future searchers.
elsahoffmannModeratorJuly 26, 2018 at 10:02 amPost count: 3716
Marlon – from what I recall – the issue came in with most insurance companies not covering the 3 things I mentioned :
(You might think you are covered until you lodge a claim….)
2. Accidental damage
3. Accidental loss
And they are all equally important to me
I hope you get sorted
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