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Insuring your rack - Canada


Original Post
Joie Prothero · · Unknown Hometown · Joined Sep 2011 · Points: 85

Does anybody have experience with insurance that covers gear theft? I'm hoping for $5000 - $10000 coverage for a month in Canada. Gear will be stored in a van.

I'm set on medical insurance.

Marc801 C · · Sandy, Utah · Joined Feb 2014 · Points: 65
Joie Prothero wrote:Does anybody have experience with insurance that covers gear theft? I'm hoping for $5000 - $10000 coverage for a month in Canada. Gear will be stored in a van. I'm set on medical insurance.
Check with your homeowners or renters insurance company.
Clayton Knudson · · Moab, UT · Joined Oct 2011 · Points: 35

+1 Marc801, I would add to make sure you lay out and photograph or video everything. I know with my insurance company I can store the photos on their website in my profile, which you would want to have done before going on the trip. Good luck

Joie Prothero · · Unknown Hometown · Joined Sep 2011 · Points: 85
Clayton Knudson wrote:+1 Marc801, I would add to make sure you lay out and photograph or video everything. I know with my insurance company I can store the photos on their website in my profile, which you would want to have done before going on the trip. Good luck
Thanks for the quick reply!
What insurance company are you with? Are you confident that it includes international travel?
Clayton Knudson · · Moab, UT · Joined Oct 2011 · Points: 35

I use USAA which has really really good policies on this kind of stuff, I'm not sure about other companies.

Marc801 C · · Sandy, Utah · Joined Feb 2014 · Points: 65

We're with Allied Insurance with combined home and auto. Our homeowner's policy includes coverage for theft of items from our vehicles, and is good in Canada. Dunno about Mexico.

Joie Prothero · · Unknown Hometown · Joined Sep 2011 · Points: 85

Haha Mexico... fair enough, right? Thanks agaon! I'll be looking into that!

Joie Prothero · · Unknown Hometown · Joined Sep 2011 · Points: 85

A follow up post to what I found in case anyone else is searching for an answer.

It is $15/month for GEICO renter's inurance. After talking to a rep, this includes insurance on personal effects in a van, up to $10000 coverage.

Contract : " we cover personal property owned or used bought and insured while it is anywhere in the word." Personal property section, GEICO renters insurance.

So this means your partner's gear and any borrowed gear.

Hopefully I won't ever have to file a claim. But if I do, I'll do another follow-up. Cheers

M Alexander · · SLO, CA · Joined Jun 2015 · Points: 20

While I don't have any need for this info, I appreciate you following up with your answer!

FrankPS · · Atascadero, CA · Joined Nov 2009 · Points: 275
Joie Prothero wrote:A follow up post to what I found in case anyone else is searching for an answer. It is $15/month for GEICO renter's inurance. After talking to a rep, this includes insurance on personal effects in a van, up to $10000 coverage. Contract : " we cover personal property owned or used bought and insured while it is anywhere in the word." Personal property section, GEICO renters insurance. So this means your partner's gear and any borrowed gear. Hopefully I won't ever have to file a claim. But if I do, I'll do another follow-up. Cheers
It's important to understand how much the deductible is, too.
Joie Prothero · · Unknown Hometown · Joined Sep 2011 · Points: 85

250 USD

Guideline #1: Don't be a jerk.

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