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Equipment Insurance


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16 replies to this topic

#1 Greg@ihpil

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Posted 13 November 2012 - 07:23 AM

For those of you who were on the Roatan trip may have heard I lost my backup computer on the LAST day of diving,11/1.I was handing up my camera,after de attaching it from my d ring.I had not realized that I also realeased my back up computer.When the boat mate alerted me of it,I had already taken off my fins and was at 400 psi.and was already 10 ' ahead of me.The current was a little strong on that day.Needless to say I had to make a life decision and let it go.That same minute John had also realized his mask had fallen off.There was another witness to this .Who I'm not mentioning.


My point! I had taken out a policy with Senn Dunn H20. Explained the event.Claim denied.Needed a police report in the event of a loss through the airline or another like event .The policy reads it will cover/replace damaged equipment,(not repairable).I tried assuring them I was not trying to scam them.All they said was they had been getting people making claims on equipment they did not even own.I pointed out to them they had the serial # & date of purchase.Needless to say I was disappointed with their attitude.And by the way,they don't refund your $ if you want to cancel the policy..
I am sounding the alert for those of you considering such business with them..

Edited by Greg@ihpil, 13 November 2012 - 07:24 AM.

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#2 WreckWench

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Posted 13 November 2012 - 11:08 AM

Greg can you post the full company name and ALL their contact info?

Also do they cover lost equipment such as losing it in the ocean or only to theft? And if they do cover lost equipment in the ocean were you supposed to file a police report on that as well?

Contact me directly at Kamala@SingleDivers.com for your private or group travel needs or 864-557-6079 AND don't miss SD's 2018-2021 Trips! ....here! Most are once in a lifetime opportunities...don't miss the chance to go!!
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Kamala Shadduck c/o SingleDivers.com LLC
2234 North Federal Hwy, #1010 Boca Raton, FL 33431
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710 Dive Buddy Lane; Salem, SC 29676
864-557-6079 tel/celfone/office or tollfree fax 888-480-0906

#3 Greg@ihpil

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Posted 13 November 2012 - 05:02 PM

Greg can you post the full company name and ALL their contact info?

Also do they cover lost equipment such as losing it in the ocean or only to theft? And if they do cover lost equipment in the ocean were you supposed to file a police report on that as well?

What I find interesting in there advertizing they infer to the use of the word .loss..
Here is the letter
: NAMED INSURED: DAN Services Gregory Geuss

POLICY NUMBER: XXXXXXXXX
INSURING COMPANY: Allianz Global Corporate & Specialty Insurance
DATE OF LOSS: 11/01/2012
CLAIM NUMBER: 80101684

Dear Gregory,
We acknowledge receipt of your claim for the loss of your Hollis DG02 Dive Computer. We have completed our
investigation and evaluation of your claim and would like to explain our findings.
As stated in your claim submission, the loss of your Hollis DG02 Dive Computer was due to the equipment
entangling while descending. The equipment was never recovered from the water. According to your Divers
PAC policy, this specific loss would be excluded under your policy and the coverage provided by Allianz Global
Corporate & Specialty and DAN Services.
At this time, we direct your attention to your Divers PAC policy form, which states:
1. Property Insured
This policy insures Scuba and Camera Equipment as described in the Declarations to which this form is
attached.
5. Perils Excluded
This policy does not insure against:
a. Loss or damage which is due and confined to wear and tear, inherent vice, gradual deterioration,
corrosion, insects, vermin, freezing, extremes of temperature, mechanical or electrical breakdown or
failure, unless such damage is the result of other loss covered by this policy.
b. Loss or damage caused by or resulting from delay, loss of market, loss of use, interruption of business;
c. Unexplained loss, mysterious disappearance, or shortage disclosed upon taking inventory
d. ITEMS LOST WHILE IN YOUR CARE, CUSTODY AND CONTROL WHILE IN USE BOTH IN
AND OUT OF THE WATER, DROPPED OVERBOARD OR SWEPT OVERBOARD
If you have further information that you wish us to consider or wish to discuss this claim, please feel free to
contact me.
Sincerely,
Krystal M. Cummins Jeffrey Flagel
Marine Claims Adjuster Marine Claims Supervisor
PH (636) 486-1268 PH (636) 486-1275
Fax (888) 857-7895 Jeffrey.Flagel@agcs.allianz.com
Greg
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#4 WreckWench

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Posted 13 November 2012 - 05:15 PM

Was this bought via DAN aka Diver's Alert Network?

Contact me directly at Kamala@SingleDivers.com for your private or group travel needs or 864-557-6079 AND don't miss SD's 2018-2021 Trips! ....here! Most are once in a lifetime opportunities...don't miss the chance to go!!
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Kamala Shadduck c/o SingleDivers.com LLC
2234 North Federal Hwy, #1010 Boca Raton, FL 33431
formerly...
710 Dive Buddy Lane; Salem, SC 29676
864-557-6079 tel/celfone/office or tollfree fax 888-480-0906

#5 Greg@ihpil

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Posted 14 November 2012 - 06:10 AM

Was this bought via DAN aka Diver's Alert Network?


Kinda,
Dan sponsors them or directs you to that co.Dan,isn't directly involved with that (type) of insurance.
Greg
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#6 WreckWench

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Posted 15 November 2012 - 06:09 AM

Thank you for the clarification. Buyer beware... READ carefully any policy you buy and be sure to call and ask questions. If you think your gear will be stolen GET A POLICE REPORT if it was. Otherwise you can not claim it even if it was stolen. If it breaks you may be ok but if you worry you'll lose it then forget insurance covering it. :(

Contact me directly at Kamala@SingleDivers.com for your private or group travel needs or 864-557-6079 AND don't miss SD's 2018-2021 Trips! ....here! Most are once in a lifetime opportunities...don't miss the chance to go!!
SD LEGACY/OLD/MANUAL Forms & Documents.... here !

Click here TO PAY for Merchandise, Membership, or Travel
"Imitation is the sincerest flattery." - Gandhi
"Imitation is proof that originality is rare." - ScubaHawk
SingleDivers.com...often imitated...never duplicated!

Kamala Shadduck c/o SingleDivers.com LLC
2234 North Federal Hwy, #1010 Boca Raton, FL 33431
formerly...
710 Dive Buddy Lane; Salem, SC 29676
864-557-6079 tel/celfone/office or tollfree fax 888-480-0906

#7 Greg@ihpil

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Posted 15 November 2012 - 06:37 AM

K,Posted Imagefor letting me sound off & alert the members .
I have spoken to another co.DEPP,(Divers Equipment Insurance), Dive assure. I mentioned my scenario to a agent with the co .,it would have been covered.I intend to do a follow up call and discuss my options ..They are currently out at the Vegas show.

I thought you are familiar with this co..?Any comments?
Greg
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#8 TexasDiver

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Posted 15 November 2012 - 08:44 AM

Claim denied.

About one year ago I had a similar experience with a camera lost while diving. I didn't bother to pay the renewal.

#9 WreckWench

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Posted 15 November 2012 - 09:14 AM

I am VERY familiar with Dive Assure and have had EXCELLENT luck/success with them. I recommend them VERY Strongly after watching both Dive Assure and Dan handle a similar claim. And while I personally carry both policies I would use DiveAssure first! I have not used their equipment insurance and do not know if they insure it directly or use another company. Let me know your findings... :thankyou:

Contact me directly at Kamala@SingleDivers.com for your private or group travel needs or 864-557-6079 AND don't miss SD's 2018-2021 Trips! ....here! Most are once in a lifetime opportunities...don't miss the chance to go!!
SD LEGACY/OLD/MANUAL Forms & Documents.... here !

Click here TO PAY for Merchandise, Membership, or Travel
"Imitation is the sincerest flattery." - Gandhi
"Imitation is proof that originality is rare." - ScubaHawk
SingleDivers.com...often imitated...never duplicated!

Kamala Shadduck c/o SingleDivers.com LLC
2234 North Federal Hwy, #1010 Boca Raton, FL 33431
formerly...
710 Dive Buddy Lane; Salem, SC 29676
864-557-6079 tel/celfone/office or tollfree fax 888-480-0906

#10 Greg@ihpil

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Posted 15 November 2012 - 04:13 PM

Claim denied.

About one year ago I had a similar experience with a camera lost while diving. I didn't bother to pay the renewal.


Thats my plan...not to renew..I am really pissed at them & at myself..For not getting, a FULL picture of their coverage.Lesson learned...the hard way..
Greg
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#11 Greg@ihpil

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Posted 30 November 2012 - 08:01 PM

The current status of my Insurance claim.To be fair to Allianz ( the Insurer) of the policy.They had called me earlier in the week and refunded my Premium I had pd in full.I had just renewed it prior to going on the Roatan trip.So I'm now on the hunt to find another Insurance Co. to replace it.I now have a list of questions to ask before I sign the dotted line..
In addition to investigating a cost as a rider from the Homeowners Ins.Which interestingly,they separated the Camera equipment from the general equipment. It is charged at a different rate.I'm sure every co. does things different ,I guess. .I'll look into DEPP.From what I'm reading they have a good reputation.Not sure if I need to join Dive assure 1st to get DEPP...?

I know awhile back I thought this subject was discussed.I'm open to hearing any suggestions..other than DAN...
Greg
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#12 WreckWench

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Posted 01 December 2012 - 05:30 AM

I have some interesting info from the Show but will have to share next week. Remind me... kamala

Contact me directly at Kamala@SingleDivers.com for your private or group travel needs or 864-557-6079 AND don't miss SD's 2018-2021 Trips! ....here! Most are once in a lifetime opportunities...don't miss the chance to go!!
SD LEGACY/OLD/MANUAL Forms & Documents.... here !

Click here TO PAY for Merchandise, Membership, or Travel
"Imitation is the sincerest flattery." - Gandhi
"Imitation is proof that originality is rare." - ScubaHawk
SingleDivers.com...often imitated...never duplicated!

Kamala Shadduck c/o SingleDivers.com LLC
2234 North Federal Hwy, #1010 Boca Raton, FL 33431
formerly...
710 Dive Buddy Lane; Salem, SC 29676
864-557-6079 tel/celfone/office or tollfree fax 888-480-0906

#13 lv2dive70

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Posted 05 December 2012 - 05:37 AM

One of the reasons I've never bothered with equipment insurance is the "in use"/"in care or custody of" and "swept away" clauses. To me, that means just about anything that happens except for the equipment being stolen in transit, will not be covered. And, it is much more likely (as evinced by the loss of a dive computer, brand new fins and mask, etc etc etc), that my gear will be "lost" one way or another, either through my negligence or someone else's, but technically while "in use" and/or *my* "care" or "custody."

Will be curious to hear alternatives.
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#14 WreckWench

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Posted 05 December 2012 - 06:13 AM

Experience is the best reference...I have never bought equipment insurance because if you put the policy amt into a savings account each year if you lose something you can basically pay for it from the policy savings.

I am glad that the other company gave you your premium back and I spoke to Divers Alert Network about haing better disclosure of what is covered and what is not. They said they would send that feedback to the carrier. Dan Orr also said to tell you that you are not blackballed! LOL!

I too would like to know what you find out from Depp... and if I can slow down a bit I'll try to get more info on my own. It is certainly something we need to be able to answer to members.

Thank you Greg... keep us posted on what you find out. kamala

Contact me directly at Kamala@SingleDivers.com for your private or group travel needs or 864-557-6079 AND don't miss SD's 2018-2021 Trips! ....here! Most are once in a lifetime opportunities...don't miss the chance to go!!
SD LEGACY/OLD/MANUAL Forms & Documents.... here !

Click here TO PAY for Merchandise, Membership, or Travel
"Imitation is the sincerest flattery." - Gandhi
"Imitation is proof that originality is rare." - ScubaHawk
SingleDivers.com...often imitated...never duplicated!

Kamala Shadduck c/o SingleDivers.com LLC
2234 North Federal Hwy, #1010 Boca Raton, FL 33431
formerly...
710 Dive Buddy Lane; Salem, SC 29676
864-557-6079 tel/celfone/office or tollfree fax 888-480-0906

#15 Greg@ihpil

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Posted 05 December 2012 - 06:39 AM

One of the reasons I've never bothered with equipment insurance is the "in use"/"in care or custody of" and "swept away" clauses. To me, that means just about anything that happens except for the equipment being stolen in transit, will not be covered. And, it is much more likely (as evinced by the loss of a dive computer, brand new fins and mask, etc etc etc), that my gear will be "lost" one way or another, either through my negligence or someone else's, but technically while "in use" and/or *my* "care" or "custody."

Will be curious to hear alternatives.


Kate,
Thanks for the interest & your comment .In my research of Ins. co.'s. & a study done another individual on another site.Gathering some Good amom.When the Ins. co's find a Educated consumer at the dr. They respond different .

Greg
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