After all this talk of insurance covering gear, I phoned up ASB (who resell insurance on IAG's behalf) to see what deal I'd get on my clothes if I had to make a claim. Sure enough, indemnity value. However, I was able to list my gear as specified items. Gave them the make and model of each component, and the price I paid for it. Now, in the case of a claim and assuming the gear's under two years old and I can prove the value (or get a replacement quote), I'll get full replacement cost minus my excess.
The cost for doing all this: nada.
So folks, phone up your insurance companies and get your gear listed as specific items. Should save you a bit in the event of a bin, and shouldn't cost you much either.
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Originally Posted by Sanx
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