I think that there is 2 solutions :
- replacement value (second hand market value)... but few company like to
insure moving and traveling goods... try with your own company ... you will
need an assesment of the second hand value from 2 specialised shops.
- collectors value... but it means is not for use anymore and it is
specially protected...
Good luck...
----- Original Message -----
From: "John A. Lind" <jlind@xxxxxxxxxxxx>
To: <olympus@xxxxxxxxxxxxxxx>
Sent: Friday, April 26, 2002 3:48 PM
Subject: Re: [OM] Theft/loss insurance
> At 04:16 4/26/02, you wrote:
> >Particularly for European list members...
> >I was wondering if any of you have a specific insurance policy for your
OM
> >stuff? I just found that my house contents policy here in Belgium
doesn't
> >cover loss/theft outside of the house so I have to take a specific extra
> >policy. My broker says it's not worth it for my 'old' OM stuff because
> >they depreciate the value 100er year (so my OM stuff from 1983 is now
in
> >negative territory, I'd have to pay them if it was stolen!)
> >Ideas please?
> >Thanks (hoping never to need to claim!)
> >Jez
>
> Jez,
> Do they have anything that covers "replacement cost?"
>
> Here, most companies have a "rider" that can be added to the household
> policy called a "Personal Articles Floater." It's used to cover items
such
> as jewelry, musical instruments, cameras, lenses, etc., and is *different*
> than special coverage for collections or antiques. The "floater" provides
> greater coverage for loss from many more hazards than standard auto or
> household. My company requires an itemized list of items, their condition
> and their current value which I provide (below valuation requiring an
> appraiser). Accessories such as focus screens are listed with the primary
> item. Rates are based on total valuation covered by the "floater." My
> agent didn't think of this immediately when discussing coverage for the
> camera gear. They're not accustomed to thinking in terms of large systems
> with many bodies and lenses. It finally dawned on her that "floater"
> coverage was appropriate when I started talking numbers of bodies, lenses,
> a few individual dollar values, and the aggregate dollar value.
>
> I'd ask how they cover things such as musical instruments which don't
> depreciate in the same manner as common clothing and furniture. Cameras
> and lenses should fall under a similar category.
>
> -- John
>
>
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