I am sure this has been asked before, but I checked the search and couldn't find it.
Can anyone suggest insrance companies I can insure my gear with, all year, no matter which country I am in?

HBF insure my gear anytime for anything as long as it is not in use.
When I had to claim, they were brilliant.

Dunno about overseas they'd probably all make u hit up travel insurance...?

yeah you cant get insurance for sports gear when in use at least in Australia. Travel insurance may cover you but its been pretty hit and miss imho.

got a board pretty badly dinged up with a jetstar flight last month and they made it so hard to claim i gave up. I reckon you would need photos of board taken just before handing to airline and then present board to them at the other end straight away to stand half a chance.

anyone ever managed to get a damaged board covered while actually in use os?

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Bara said..
yeah you cant get insurance for sports gear when in use at least in Australia. Travel insurance may cover you but its been pretty hit and miss imho.

got a board pretty badly dinged up with a jetstar flight last month and they made it so hard to claim i gave up. I reckon you would need photos of board taken just before handing to airline and then present board to them at the other end straight away to stand half a chance.

anyone ever managed to get a damaged board covered while actually in use os?

There is one that covers boards in use but I can't remember, the name. My mate had a board damaged in transit by jetstar, they didn't pay but the travel insurance paid I think 70 or 80% of the new cost.

Select to expand quote

Bara said..
yeah you cant get insurance for sports gear when in use at least in Australia. Travel insurance may cover you but its been pretty hit and miss imho.

got a board pretty badly dinged up with a jetstar flight last month and they made it so hard to claim i gave up. I reckon you would need photos of board taken just before handing to airline and then present board to them at the other end straight away to stand half a chance.

anyone ever managed to get a damaged board covered while actually in use os?

There is one that covers boards in use but I can't remember, the name. My mate had a board damaged in transit by jetstar, they didn't pay but the travel insurance paid I think 70 or 80% of the new cost.

Dont use AAMI insurance like i did.
HAD house,2 cars and sporting (kite gear)cover and had 2 bars stollen out of back of ute.
After pics sent,receipt,police report etc etc was told buy girl on phone that i had bars at home and was trying to scam them.
I live in 1.5 mil house,$150,000 worth of cars and of course i would waste my time with police reports and total 1 hour on phone to scam for $600.
crazy company
just read Google feedback from people.
Any recommends on a company to use that is helpful please also

Regardless of the advice you get on here, you'll have to read the PDS to see what they will or won't cover. Opinions are like arseholes, everyone has one . A lot of contents policies will cover sporting goods damaged/stolen while not in use (within Australia), some good policies will extend overseas.

I just went back and found a post I put up a couple of years ago in relation to insurance polices and keys hidden on or near the car, highlights the difference between policies and why doing the research can help.

I'm bored, there is no wind and its too hot to go outside. So I've surfed a few Product Disclosure Statements and the devil is in the details, usually in the 'General Exclusions' section. It seems on the point of keys in or on the vehicle there is no consistency in the policy wording on the few that I checked.
RAC car insurance exclusions
"Failure to take all reasonable care to protect your car, its contents and keys.
"Your car being left unattended with the keys in or on it. "
SGIO
"We don't cover loss or damage caused by or arising from you:
? not taking reasonable care to secure your vehicle"
HBF
I can't find any reference to keys in or on, or reasonable care to secure.
YOUI
"What is not covered?
"Theft or attempted theft if:
the ignition keys were left in the car;
the ignition keys were left near the car whilst it was unattended by you;"
ALLIANZ
"You must during the term of the policy follow and meet all of the policy's terms and conditions. In particular:
take all reasonable care to prevent loss of (including theft) or damage to your vehicle. T
his includes but is not limited to: ensuring that the ignition keys are not left in the vehicle when no one is in the vehicle; "
When we will not pay your claim
Theft of your vehicle Any theft of your vehicle unless at the time of the theft:
? the ignition keys were not left in the vehicle whilst the vehicle is unattended; "
And APIA for the poleys
Same as HBF, I can't find any reference to keys in or on, or reasonable care to secure.

^^ dunno what keys have to do with it

Seems realworld experience/ feedback is more important than the PDS so my HBF story vs the AAMI story? Same cover for sporting goods not in use, different result....... PDS rather irrelevant?

I'd argue otherwise. The PDS is the only thing that's relevant. It's what they will rely on when they refuse a claim and what you will rely on to argue the point. 'My mate on the Internet said...' won't count for ****.

Keys left in or on a vehicle is relevant to a bunch of blokes that need to hide their car key somewhere every time they hit the water. I just dragged that up to highlight the subtle but significant differences in policies as I couldn't be bothered doing the proper research into the PDS to cover sporting goods.

Customer service from insurance companies, now that's a different matter - it's separate from but overlaps what they will or won't cover and that's where they can be arseholes.

My point is both say they cover stuff in the car / away from home etc.
What is relevant is - with the same stuff in the PDS re: sporting goods/portables, my claim was easy and another guy's one with a different company was terrible. Internet review= helpful
To some degree....