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ozhunter
.400 member

Reged: 18/08/04
Posts: 1692
Loc: Sydney, Australia

Insurance exclusion
#136780 - 05/06/09 09:56 PM

Just found a clause in the SSAA QBE Insurance info that states that they do not cover lost or stolen items that have been taken from a suitcase whilst traveling as checked or unaccompanied baggage.
My question is, would a Rifle case be regarded as a Suitcase in this instance ?

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Ripp
.577 member

Reged: 19/02/07
Posts: 16072
Loc: Montana, USA

Re: Insurance exclusion [Re: ozhunter]
#136782 - 05/06/09 10:29 PM

It might state what QBE considers a suite case in the policy--but to get a definitive answer I would send a memo or email to them and get something in writing...

Sometimes when there is an exclusion, there is a give back of coverage somewhere else in the policy, you may want to check that as well. It seems a bit odd, based on who the association is that is offering the coverage, that this would be in there...again, I would suggest contacting the insurance carrier. I might be wrong but at first blush, I would say the answer to your question based on the info you have given so far is yes.

Insurance carriers have more ways to get out of a claim than to pay one..IMHO...some of it a by-product of our litigious society..but the fact remains, insurance carriers are not your friend at claims time…during premium paying time however, they love you..

Ripp

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ALL MEN DIE, BUT FEW MEN TRULY LIVE..

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bwananelson
.400 member

Reged: 08/10/07
Posts: 1195
Loc: DELTONA FLORIDA

Re: Insurance exclusion [Re: Ripp]
#136785 - 06/06/09 12:47 AM

if i remember right dont you sell insurance??????????????

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THERE ARE NO DO OVERS IN LIFE DONT LET A CHANCE AT A DREAM SLIP AWAY.

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larcher
.416 member

Reged: 11/01/05
Posts: 2655
Loc: Saverne, Alsace, France

Re: Insurance exclusion [Re: bwananelson]
#136797 - 06/06/09 04:55 AM

Quote:

if i remember right dont you sell insurance??????????????

correct me if I am wrong. If insurance have to pay for lost or destroyed luggage, insurance will pay a miserey per pound of luggage. Montreal and Warsaw conventions fixed the value at 2.15 euro per kg (1.50 $ per pound) what have your rifle reimbursed 18 $at best.....lest alone binoc, scope, range finder, cams......
As luggage weight is limited to 60 lbs, you can obtain 90 $ for all your lost kit

????????

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"I don't want to create an encyclopedic atmosphere here when we might be having a beer instead" P H Capstick in "Safari the last adventure."

Edited by larcher (06/06/09 04:57 AM)

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Ripp
.577 member

Reged: 19/02/07
Posts: 16072
Loc: Montana, USA

Re: Insurance exclusion [Re: bwananelson]
#136798 - 06/06/09 05:11 AM

Quote:

if i remember right dont you sell insurance??????????????

Yes, yes I do...doesn't mean I like or trust any of them...but as a wise man once said.."keep your friends close, keep you enemies closer"....

Ripp

--------------------
ALL MEN DIE, BUT FEW MEN TRULY LIVE..

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Ripp
.577 member

Reged: 19/02/07
Posts: 16072
Loc: Montana, USA

Re: Insurance exclusion [Re: larcher]
#136799 - 06/06/09 05:15 AM

Quote:

Quote:

if i remember right dont you sell insurance??????????????

correct me if I am wrong. If insurance have to pay for lost or destroyed luggage, insurance will pay a miserey per pound of luggage. Montreal and Warsaw conventions fixed the value at 2.15 euro per kg (1.50 $ per pound) what have your rifle reimbursed 18 $at best.....lest alone binoc, scope, range finder, cams......
As luggage weight is limited to 60 lbs, you can obtain 90 $ for all your lost kit

????????

In the U.S. , if you would file a claim on your homeowners policy, you would recieve replacement cost on the luggage less your deductible.

As for the firearm, that is why I stated in another thread some time ago, I suggested to "schedule" the guns you take..they are then insured for a stated amount..and in the event of a loss, they are covered...you can choose a lower deductible than for the other coverage on your homeowners policy and the coverage, while not being 100% all risk, is as close to that as you will ever get...so....pretty close to fool proof...

Ripp

--------------------
ALL MEN DIE, BUT FEW MEN TRULY LIVE..

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bwananelson
.400 member

Reged: 08/10/07
Posts: 1195
Loc: DELTONA FLORIDA

Re: Insurance exclusion [Re: Ripp]
#136820 - 06/06/09 11:02 AM

great job on that fact will do as you say i missed the first tip thanks

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THERE ARE NO DO OVERS IN LIFE DONT LET A CHANCE AT A DREAM SLIP AWAY.

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