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#1 | Equipment travel insurance - a waste of money? datum

Sat Aug 19, 2023 11:13 pm (Last edited: Sat Aug 19, 2023 11:14 pm)

if you read my description of my Norway trip to Nordkapp below, you will know that my camping gear (and that of my travelling companion) was stolen in Bremen. Around £700 of kit each.

We were both insured for equipment loss; neither of us succeeded in making a successful claim for loss of equipment.

Both insurance companies wriggled off the hook. I suggest that insurance against theft of equipment is is a waste of money. Counter views welcome

Beerman

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#2 | RE: Equipment travel insurance - a waste of money? datum

Sat Aug 19, 2023 11:53 pm

I can't remember the details of your theft but insuring for anything that is not either on your person or in a locked compartment on the bike would be difficult to achieve with any off the shelf, basic travel policy.

Personally, with travel insurance I buy only to get the overseas medical cover that includes repatriation via a Medivac or body bag as a result of a bike related incident. Not all travel policies cover this as is often discussed. Many have a 125cc limit.

Anything else I take is either covered by the bike insurance, my home insurance or with much if it, I self underwrite i.e. cover the cost myself if someone nicks my tankbag whilst I'm taking a piss at a petrol station.

I'm sure there is cover available for camping equipment but it is not going to be sold by Tesco like my policy or found on a comparison site like the Meerkats. You will need to find a specialist broker such as [googles] https://www.shieldtotalinsurance.co.uk/camping-insurance/

Spam goes here

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#3 | RE: Equipment travel insurance - a waste of money? datum

Sun Aug 20, 2023 1:58 pm

With anything, the devil is in the details. Lots of policies have exclusions that negate the value of the policy. There is a medflight/bike recovery policy in the USA, but if you rarely go out of town on a bike, it�s expensive coverage because you keep paying for it rather than buy it for a single trip. Hard to justify the cost over what MIGHT happen.

Heck I know a trio who went cross country. One of them had a bad mishap. They BOUGHT a used van, loaded in the bike, drove back home, and sold the van for a bit more than they paid for it.

I�m a Notary Public. RESPECT MY AUTHORITY!

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Sunny Dartmoor brings them out! Ponies, Cattle, Shorn sheep and cyclists on any part of the road they wish! � � Berwyns, Criccieth, Mach Loop

tour reports » Equipment travel insurance - a waste of money?