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#1 |
Junior
Join Date: Jul 2017
Posts: 29
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does anyone insure their yak/gear?
asked about insuring the kayak, and she originally put it in as sports equipment, and turned around an annual premium of just 28 bucks, which i obviously jumped at. the underwriters came back today and told her that she has to change it because kayaks / canoes are considered boats. which jumped it up to $75/year, which is actually just the minimum premium, but it would be good to $6000 value, including the kayak, and any/all equipment associated, with a $100 deductible. at 75/year, it's still pretty cheap in my opinion, but it's not 28.. >_< what are you guys' thoughts? do you guys carry insurance for the yak/equipment? |
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#2 |
Senior Member
Join Date: Aug 2012
Location: Palos Verde, CA
Posts: 636
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With the cost of these Hobies, I'd definitely insure it. But probably would wait until the 2 year warranty was up first.
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#3 | |
Senior Member
Join Date: Feb 2015
Location: Seattle Area
Posts: 861
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Quote:
If you follow through on it, please let me know. I'm really curious on what types of situations the policy lets you claim loss on.... |
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#4 | |
Junior
Join Date: Jul 2017
Posts: 29
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Quote:
I knew that it would cover any sort of loss at sea already, but I specifically asked her "what if my tie down fails and the kayak goes flying while i'm driving?" she told me that the kayak and 100% of the items lost covered under the policy would be paid out the replacement cost. as a point of reference, they took 2 weeks to pay out a 7k bill when my camera lens got damp and stopped functioning.. sounds like it's a good idea though. i'll tell her to hook both the kayaks up with a policy.. ![]() |
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