agvogel wrote: George DeCamp wrote:
I have insurance through NANPA, North American Nature Photography Association. Whatever value you tell them that's what it's insured for with I think a $100 deductible! Had this for years.
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Abuttolph wrote:
I have my gear insured through NANPA. The deductible on my policy is $250. The way that it works is you can divide your gear into two insured groups that they cover. One is non-scheduled items with each item being valued under $500. This is a bulk group - so you might schedule say $1,000 (or whatever you want) for these items. The second group is for items that are valued at over $500 that you want to insure individually on an insurance schedule. You tell them the amount that you want to insure each item for. They do not require an appraisal, which some other insurance outfits require.
I have had two claims with them over the years and no problems. The deductible is per claim.
Also, the premium that you pay is once per year based on the gear that you are insuring initially or when the policy renews. If you change your gear during the year, you are not charged more that year if the value goes up (buying and insuring more gear). You also are not refunded anything if the insured value of your gear goes down (selling gear and removing from insurance coverage).
Thank you both - shopping around to compare with doing it through my Renter's. Do you happen to know if NANPA's policies are valid outside the US/Canada? Specifically I'll be going to South Africa later this year.
Yes they are or at least 99% sure they are. I wiped out a camera and lens on a dive in Cozumel several years ago and they paid for both. Been to Africa a couple times and made sure everything was covered, that was 2010 so double check but like I said pretty certain! Also the deductible is probably 250 per item line Abuttolph said, wasn't sure on that! Of course if a war breaks out in Africa I think that voids coverage, they have some mention about those kind of events!
Aug 04, 2022 at 10:39 AM
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