Insurance – Necromancing an old topic

[marlon]

#36189

Hi guys

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.
Marlon

[elsahoffmann]

#298057

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

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[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.

ACCOUNT HANDLING TEAM
Caron Whitfield (Account Executive) [email protected] 011 799 6415 / 082 902 8382
Jessica Edwards (Claims Specialist) [email protected] 011 799 6420

EXECUTIVE LIAISON
Richard Hood (Director) [email protected] 011 799 6410

DIRECTOR (ADMINISTRATION)
Derek Strydom [email protected] 011 799 6409

ADDRESS DETAILS
Postal Address: PO Box 70182
Bryanston
2041
Physical Address: 4 Georgian Crescent West,
Bryanston
Office Telephone Number: 011 799 6400
Web Address: http://www.Apio.co.za

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[marlon]

#298059

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.

[elsahoffmann]

#298058

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….)

1. Theft
2. Accidental damage
3. Accidental loss

And they are all equally important to me

I hope you get sorted

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