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Thread: Insurance coverage for overseas trip

  1. #1
    Moderator John Teoh's Avatar
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    Default Insurance coverage for overseas trip

    Hi all

    Not sure if this thread should be here. If not, Mods please shift to the correct forum.

    Anyone has any recommendation for travel insurance that give good coverage to our camera? I'm going alone to JB this coming weekend, Thought I hope nothing going to happen to me, but I guess better be safe than sorry

    Thanks.

  2. #2

    Default Re: Insurance coverage for overseas trip

    Quote Originally Posted by John Teoh View Post
    Hi all

    Not sure if this thread should be here. If not, Mods please shift to the correct forum.

    Anyone has any recommendation for travel insurance that give good coverage to our camera? I'm going alone to JB this coming weekend, Thought I hope nothing going to happen to me, but I guess better be safe than sorry

    Thanks.
    yes ... will like to hear from the pro ... I noticed my past travel insurance only provide up to a max of $500 (or max of $1000) for each item ... too little for all the lenses & cam should anything happen ...
    also, lately read from newspaper about someone brought handphone insurance coverage for theft .. but was 'pick-pocket' ... the insurance policy refuse to pay as 'pick-pocket' is not theft (ridiculous!!) ... I believe pro here used to bring lots of expensive equipments overseas .. care to share ?

  3. #3
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    Default Re: Insurance coverage for overseas trip

    I make use of the rider on my home insurance.

    You can PM funny (if she still regularly checks her PMs here). She's my agent.

  4. #4
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    Default Re: Insurance coverage for overseas trip

    Oh yes, I would like to add, I opted to do this because of the greater amount insured, and most travel insurance does not apply to me as I am based out of Singapore for pretty long durations at a time. Thus I don't "qualify" for the travel insurance coverage.

  5. #5

    Default Re: Insurance coverage for overseas trip

    ok TS, just feel that this might be better suited for the topic so moved.

  6. #6

    Default Re: Insurance coverage for overseas trip

    Quote Originally Posted by Yatlapball View Post
    I make use of the rider on my home insurance.

    You can PM funny (if she still regularly checks her PMs here). She's my agent.
    That's quite a good way to insure.

    Travel insurance has a per item/set cap ($500 to $1000 depending on insurer). So, your camera and all your lens, plus your flash, may be construed as a set by the insurer. My friend lost his camera and lens while on a trip. He wants to argue that the camera and the lens are not considered one set. I think the insurer will win in this case. He is still fighting with them.

    If you want to insure all your items separately, you need to declare and itemise them. Then the insurer to give you a quote. I'm sure some pros have specialist insurers to insurer their equipment, especially when you can charge it to your company. Freelance photographers usually don't insure, and face the risk.

  7. #7

    Default Re: Insurance coverage for overseas trip

    Quote Originally Posted by John Teoh View Post
    Hi all

    Not sure if this thread should be here. If not, Mods please shift to the correct forum.

    Anyone has any recommendation for travel insurance that give good coverage to our camera? I'm going alone to JB this coming weekend, Thought I hope nothing going to happen to me, but I guess better be safe than sorry

    Thanks.
    why u only insure it when u go oversea? you mean sg is so safe?

  8. #8
    Moderator John Teoh's Avatar
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    Default Re: Insurance coverage for overseas trip

    Quote Originally Posted by ihub88 View Post
    why u only insure it when u go oversea? you mean sg is so safe?
    Maybe you can enlighten me why would a local needs a travel insurance when he is in his own country?

  9. #9
    Moderator John Teoh's Avatar
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    Default Re: Insurance coverage for overseas trip

    Quote Originally Posted by Bluestrike View Post
    ok TS, just feel that this might be better suited for the topic so moved.
    10Q

  10. #10

    Default Re: Insurance coverage for overseas trip

    Quote Originally Posted by John Teoh View Post
    Maybe you can enlighten me why would a local needs a travel insurance when he is in his own country?
    but why do you need a travel insurance when u are oversea? you mean your equipment will nv be lost in sg?

  11. #11
    Moderator John Teoh's Avatar
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    Default Re: Insurance coverage for overseas trip

    Quote Originally Posted by ihub88 View Post
    but why do you need a travel insurance when u are oversea? you mean your equipment will nv be lost in sg?
    Travel Insurance does not cover equipment only but also things like accident, hospitalise etc. As mentioned by some members, we can only claimed up to certain amount and it is not very much.
    Last edited by John Teoh; 22nd May 2007 at 01:02 PM.

  12. #12

    Default Re: Insurance coverage for overseas trip

    Quote Originally Posted by ihub88 View Post
    why u only insure it when u go oversea? you mean sg is so safe?
    You want to insure in Singapore also can. You pay money, you get the insurance. But people insure only when they percieve a risk. You can also insure it as a home content... It's up to you.

    And yes... it is a general perception that Singapore is safer than most other countries.

  13. #13

    Default Re: Insurance coverage for overseas trip

    All you need to do is go down to a relatively big insurance company and have a customised insurance drafted and be put in force. Nowadays insurance covers everything from pets to bowel problems.

  14. #14
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    Default Re: Insurance coverage for overseas trip

    Quote Originally Posted by ihub88 View Post
    but why do you need a travel insurance when u are oversea? you mean your equipment will nv be lost in sg?
    In sg u snap, go home download and dump the cam into the dry cab. In oversea, u're in a unfamiliar environment and u be carrying not only your equipments. Chances of losing things is higher. And chances of getting robbed of the equipments also high.

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