Equipment Insurance Recommendations?

[Sarah]

I know DAN offers something although I don'tknow the details, but there are others.

[Warren_L]

www.awryinc.com. The one I use is their DEPP program. Has equipment and flood insurance.

[Jason Ooi]

You may consider DAN, PADI or travel insurance

[scubaken]

As an Intructor and boat captain for 4 years in the Florida Keys I have seen DAN come to the plate time after time. They are a great resource and they do everything they say they will. I personally use the preferred and it runs about 100 per year.
Ken

[CADiver]

Equipments insurance from DAN's site redirect to an insurance provider not belongs to DAN, probably not related either. You state your equipments and the replacement cost at your judgement and pay them credit card online and you are insure. It's about $99 /year for insuring up to about 3,300. Beyond the 3,300, the premium goes up proportionally. I insure with them and have not file any claim yet. I have read negative story about filing claim though.

[allisonfinch]

I have used DAN and am currently using DEPP. Why the change? DAN does not insure against a dive boat accidentally dropping your rig while handing it up or down. That, in my opinion, is as much a possibility as flooding when you spend any time on a liveaboard, or any boat for that matter. Yes, DEPP is more expensive, but if your rig is dropped, you get nothing from DAN.

Lately, DEPP has had some comments about slow response to claims. I have not needed to make any claims, and hope I never will. Maybe others can say how these claims went.

[littleleemur]

I currently have DAN with the equipment add-on (preferred?). & so far so good. Haven't had to file a claim yet.

Then again I only carry what I need and have given up on schlepping and stressing over additional fancy Foto/Video equipment. If I did decide to carry all that stuff again, I would definitely buy additional insurance just for the equipment. With decent digital becoming so much more affordable and accessible to everyone, I found that there are always more than 2 photographers in the group that can take decent underwater fotos. The additional bonus (to less stress & less schelpping like a camel) would be that I would occassionally be in the photos too!

I am currently a big fan of the snappy-happy. It's fast, easy & inexpensive. & don't fall for the 2-in-1 line; always bring a separate topside camera.

As for the actual type of insurance:
read the fine print. Some do not cover you until you touch water, your SI (computer accidentally knocked overboard), another diver slipping and falling on your mask/foot etc. The same insurance changes each year so it's also a good idea to read the "changes to your coverage" letter they send out periodically just to be sure.

On another thread re insurance: Do you have current dive insurance? - Page 3 - ScubaMagazine.net Forum

BTW DAN equipment insurance is not availabe to Canadian DAN members.

Good luck, enjoy and be careful.

[thalassamania]

I've generally found that scheduling equipment on your homeowners or renters policy is a better approach. Three things to be careful of, have an agreed value of each item and make sure that flooding of a computer or other housing is not considered and "inherent vice," and be sure that turning around and finding that it fell overboard is not "mysterious disappearance."