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  #1  
Old 07-25-2008, 04:40 PM
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Is there insurance for our camera equipment?

Hi

Was reading in one of the Flickr group discussions where someone's D300 was accidentally dropped into a lake by a 7yr old boy. Upon retrieval, both camera and lens already kaput. Parents could only say sorry and unable to repay for the damages.

All reasons aside, like why the hell was the camera being held by a 7yr old - one of the reasons why the guy got quite a scolding from everyone in the discussion was because he didn't have any insurance for his equipment.

It seems over in the US and Europe insuring your gear is a normal and almost mandatory thing to do. So has anyone heard of any of our local insurance companies having such a feature in any of their policies?

I called up MAA and they have one scheme, but it covers only up to RM200 for repairable damages, and RM2000 only for burglary, destroyed, etc. and its only for the camera body, not the lens. Premium is about $100++ annually.

That coverage is not even a quarter of what my equipment is worth!
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Old 07-25-2008, 04:48 PM
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Nope, I heard many years ago there was such a policy but in typical Malaysian style there was just too many 'losses' or magically disappearing gear...they had to pay out too much and stopped the cover.
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Old 07-25-2008, 08:49 PM
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i'm not sure about now but at least there used to be, my neighbour had up to RM 30,000 coverage..not sure how much was the premium though
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Old 07-26-2008, 02:32 AM
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Quote:
Originally Posted by xman View Post
It seems over in the US and Europe insuring your gear is a normal and almost mandatory thing to do. So has anyone heard of any of our local insurance companies having such a feature in any of their policies?
With the typical asian (Malaysian) mentality - how could it ever happen?

EPF scheme for computers was good but it was badly abused. all because of what? MONEY!

If that can be abused, what more the insurance for camera stuff? It's not like cars where you have a Mythbuster collision and risking your life before you can claim, cameras can easily be claimed as lost.

Anything benefit that involves $$$ is prone to abuse. That's why we can't have good things.
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Old 07-26-2008, 03:39 AM
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Originally Posted by goldfries View Post
With the typical asian (Malaysian) mentality - how could it ever happen?

EPF scheme for computers was good but it was badly abused. all because of what? MONEY!

If that can be abused, what more the insurance for camera stuff? It's not like cars where you have a Mythbuster collision and risking your life before you can claim, cameras can easily be claimed as lost.

Anything benefit that involves $$$ is prone to abuse. That's why we can't have good things.
this kind of thing not only happen in Malaysia la it happen everywhere.
like those MobilePhone insurance in U.K. also alot of abuse what.

so, they actually need a good system to verified the claim.
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Old 07-26-2008, 04:06 AM
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In UK you need a police report to claim the insurance...which isn't a nice process to go through.

They will interrogate and cross question you and if you slip up you'll get charged with intention to defraud..
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Old 07-26-2008, 04:15 AM
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In UK you need a police report to claim the insurance...which isn't a nice process to go through.

They will interrogate and cross question you and if you slip up you'll get charged with intention to defraud..
means?
kekekekekkeeke
insurance company don't thrust Malaysia's police....hehehhehehe
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Old 07-26-2008, 06:26 AM
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means?
kekekekekkeeke
insurance company don't thrust Malaysia's police....hehehhehehe
We can apply for insurance for our camera gears. However, it'll be under house insurance, which also covers everything else we own. As for carrying it around and having insurance for those, I don't think we have the last time I checked with a friend who happens to be in insurance..

Just gotta be careful with our gears..



p/s: anyone wanna join me to shoot today's squash finals at the Curve?
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  #9  
Old 07-26-2008, 10:25 AM
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means?
kekekekekkeeke
insurance company don't thrust Malaysia's police....hehehhehehe
wahahahaha malaysia police is soooo dang lazy to investigate this kind of case, they only know how to write a report and then senyap, same goes to burglary. I said so coz i experience it before.
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Old 07-26-2008, 02:58 PM
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wahahahaha malaysia police is soooo dang lazy to investigate this kind of case, they only know how to write a report and then senyap, same goes to burglary. I said so coz i experience it before.
haha you're not alone...that asides, the whole 'police report' process in malaysia might not be trustworthy for both the insurance party and other ppl..

Last edited by gr2k; 07-30-2008 at 01:13 AM..
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