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For those who have vacuum sealed housings, do you still buy insurance?


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14 replies to this topic

#1 johnspierce

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Posted 06 November 2013 - 07:29 AM

I have personally had good experiences with DAN flood insurance, but of course it costs about $200 per year.  I also carry a separate rider on my personal insurance for travel loss/theft.

 

So, do any of you who have vacuum attachments on your housing still buy flood insurance?   On first thought, it would no longer be necessary.  I understand a flood can still happen, but insurance is "playing the odds" anyway, right?

 

thanks,

John


Edited by johnspierce, 06 November 2013 - 07:34 AM.

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#2 Steve Williams

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Posted 06 November 2013 - 11:24 AM

Hi John,

I've always considered it much more likely that my gear could be stolen or come up missing at an airport.  I plan to keep my "all perils" insurance policy  paid up.

 

Cheers,

Steve


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#3 jonny shaw

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Posted 06 November 2013 - 01:24 PM

I use a vacuum check and yes all insured, things can happen underwater and if you have a valuable rig I would still insure it

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#4 E_viking

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Posted 06 November 2013 - 01:34 PM

Yes, definately still keep my insurance.

 

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#5 cneal

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Posted 06 November 2013 - 03:49 PM

A vacuum system is prevention. Insurance is for recovery.

 

Insurance is a balance of cost against the real loss from a flood. When I was shooting film I found the cost of insurance for a year was nearly that of a camera body and lens. So I started going without insurance. I still don't carry flood insrance. I do carry theft insurance on my camera equipment.



#6 ChrigelKarrer

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Posted 06 November 2013 - 11:48 PM

Yes, i have it still insured,

to flood a D800 with professional lenses is a expensive damage ...

My insurance (Dive Master Insurance UK) covers also loss, theft, etc and includes flooding so i get some kind of a "no-worry package"

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#7 tdpriest

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Posted 07 November 2013 - 05:26 AM

My insurance (Dive Master Insurance UK) covers also loss, theft, etc and includes flooding so i get some kind of a "no-worry package"

 

 

They also run a truly fearsome kind of "no-claims" policy, and I can't afford to insure my set-up after a flood and a loss...



#8 johnspierce

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Posted 07 November 2013 - 09:21 AM

I might not have stated this properly.

 

All insurance, whether it is from a 3rd party policy or from using a vacuum device on your housing is designed to mitigate costs assocated with a catastrophic flood.

 

- a vacuum device is a preventative insurance measure, since you should see if there is a leak before it actually damages anything.

- an insurance policy is strictly an after-failure solution, but is also designed to ultimately protect your investment.

 

Any solution is reducing the odds of a loss.  A person could say, I'm *never* going to flood a camera and I'm not going to buy insurance or a vacuum device.  If this turns out to be correct, that person has saved a lot of money.  Over ten years, probably enough to buy a pretty nice camera setup.

 

A person who pays for any and all options available is "safe", but they surely understand over a ten year period they are perhaps doubling the cost of their setup.

 

With computers, I'm totally a gambler.  I never buy the insurance for a phone or tablet or computer.  I think monetarily I'm ahead of the game.

 

Of the two mitigation options available, having a vacuum device seems signifcantly superior to having insurance.   Insurance may buy you a new system, but it won't fix flooding your camera on the 2nd day of your $7000 trip.  Plus, the odds of a flood surely go down by at least a factor of 10 with a vacuum device.   I'm considering not doing flood insurance and just relying on a vacuum system.  Flood insurance doesn't cover theft anyway and I have that coverage through other sources.

 

I am aware you can still flood a system with a vacuum device, but it would seem to be a pretty rare occurrence.  It will be interesting to see how many people buy flood insurance 5 years from now when all housings have vacuum systems installed from the factory.  I have suffered two floods in 30 years of diving.  Both would not have happened with a vacuum system.  I am betting when it comes standard on all housings floods will be a very rare occurrence.


Edited by johnspierce, 07 November 2013 - 09:22 AM.

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#9 E_viking

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Posted 07 November 2013 - 11:43 AM

Well, after getting a D800 Setup. I decided to get all of it, in order to sleep well.

I have a vacuum Setup and a flood insurance ( it includes theft as well).

 

With my old D80 Setup. I did not have any of it.

 

Atleast for me it is down to how much the System is worth...

 

/Erik


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#10 johnspierce

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Posted 07 November 2013 - 06:55 PM

Well, after getting a D800 Setup. I decided to get all of it, in order to sleep well.

I have a vacuum Setup and a flood insurance ( it includes theft as well).

 

With my old D80 Setup. I did not have any of it.

 

Atleast for me it is down to how much the System is worth...

 

/Erik

 

Yah, that makes sense Erik -- my D7000 would be much easier to replace than a D800.  I am most interested in getting to the end of a dive week with a minimal amount of equipment issues :D


Edited by johnspierce, 07 November 2013 - 07:00 PM.

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#11 Cary Dean

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Posted 10 November 2013 - 01:56 PM

Insurance is a monetary gamble as you've stated but something that

I still feel necessary to have.


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#12 CamelToad

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Posted 20 November 2013 - 02:35 PM

I have a vacuum on my Nauticam housing, and I still have it insured.

 

I use USAA's VPP (valuable personal property) coverage...no deductible replacement. It wouldn't help me if I get a flood on a trip, but it will get me a new camera for my next one. It's very inexpensive for everything I have covered, and gives peace of mind. This is especially true when the airline decides to make you check a carry on full of photo gear b/c all the bins are full.


Edited by CamelToad, 20 November 2013 - 02:36 PM.

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#13 Cerianthus

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Posted 20 November 2013 - 10:37 PM

You can also drop your camera or loose it into the depths. Vacuum won't help you there, nor will it help if you flood your strobe.
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#14 diverdoug1

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Posted 21 November 2013 - 02:37 AM

You can also drop your camera or loose it into the depths. Vacuum won't help you there, nor will it help if you flood your strobe.

I will bet that there will be some strobes put out with vacuum systems in the future.



#15 fitz

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Posted 25 November 2013 - 07:54 AM

Yes, buy the insurance.  There are other things that can happen to your gear besides flooding.  And even with the vacuum system, it's not foolproof.  I recommend the extra $$ for peace of mind.