DiveSafe insurance vs. DAN US

Maui Nobubbles · 26th October 2006, 23:31

I was getting ready to renew my DAN equipment insurance policy and noticed that they do not cover equipment "washed overboard, lost, ditched, or that fell off" which I thought used to be covered in the "old days". Since this is in bold print I assume it's been added in the last year or so.

All that said anyone have thoughts on DiveSafe Insurance vs. DAN US for overall coverage and equipment insurance. Seems like Dive Safe does up to $2500 for equipment lost during "a covered accident".

DiveSafe Dive Insurance

dantheman · 27th October 2006, 20:27

When we looked at the difference 2 years ago, the choice boiled down to:
a) do we need coverage for "mysterious disappearance" (not theft),
OR
b) do we want reimbursement for loss (as opposed to replacement).

I suggest you carefully review the policies to see if they still differ in these dimensions.
Reimbursement was our choice, and we simply made sure our stuff
wasn't likely to be dropped, either overboard or on the dive.
Theft is covered under both policies, as I recall.

--dan

Maui Nobubbles · 27th October 2006, 22:29

Yes I belive you are correct, I hate having to be an attorney just to make sure I'm getting a benefit from my hard earned $$ that are not going for dive equipment. I also like that fact the DAN does good for the diving community as a whole where DiveSafe seems to just be an insurance firm.

jkaterenchuk · 28th October 2006, 13:41

You might also consider a conversation with you Home Insurance Agent. I had a long specific discussion about my CCR and all possible types of losses. The result was adding a "All Perils" coverage to my policy. It cost about $150 more per year and I get the advantage that it covers more than just CCR.

26th October 2006, 23:31	#1 (permalink)
Maui Nobubbles New Member Current Rebreather/s: Dolphin Other Rebreather/s: Dolphin Join Date: Oct 2006 Location: Kihei, Maui Hawaii Posts: 69	DiveSafe insurance vs. DAN US I was getting ready to renew my DAN equipment insurance policy and noticed that they do not cover equipment "washed overboard, lost, ditched, or that fell off" which I thought used to be covered in the "old days". Since this is in bold print I assume it's been added in the last year or so. All that said anyone have thoughts on DiveSafe Insurance vs. DAN US for overall coverage and equipment insurance. Seems like Dive Safe does up to $2500 for equipment lost during "a covered accident". DiveSafe Dive Insurance __________________ Maui Nobubbles
(Offline)

27th October 2006, 20:27	#2 (permalink)
dantheman Emoticonoclast Current Rebreather/s: Sport Kiss rEvo Other Rebreather/s: Classic Kiss rEvo Join Date: May 2005 Location: NorthEast USA Posts: 393	Re: DiveSafe insurance vs. DAN US When we looked at the difference 2 years ago, the choice boiled down to: a) do we need coverage for "mysterious disappearance" (not theft), OR b) do we want reimbursement for loss (as opposed to replacement). I suggest you carefully review the policies to see if they still differ in these dimensions. Reimbursement was our choice, and we simply made sure our stuff wasn't likely to be dropped, either overboard or on the dive. Theft is covered under both policies, as I recall. --dan
(Offline)

27th October 2006, 22:29	#3 (permalink)
Maui Nobubbles New Member Current Rebreather/s: Dolphin Other Rebreather/s: Dolphin Join Date: Oct 2006 Location: Kihei, Maui Hawaii Posts: 69	Re: DiveSafe insurance vs. DAN US Yes I belive you are correct, I hate having to be an attorney just to make sure I'm getting a benefit from my hard earned $$ that are not going for dive equipment. I also like that fact the DAN does good for the diving community as a whole where DiveSafe seems to just be an insurance firm. __________________ Maui Nobubbles
(Offline)

28th October 2006, 13:41	#4 (permalink)
jkaterenchuk . Current Rebreather/s: Inspiration Classic Megalodon Classic Kiss Other Rebreather/s: Join Date: May 2006 Location: Lititz, PA Posts: 559	Re: DiveSafe insurance vs. DAN US You might also consider a conversation with you Home Insurance Agent. I had a long specific discussion about my CCR and all possible types of losses. The result was adding a "All Perils" coverage to my policy. It cost about $150 more per year and I get the advantage that it covers more than just CCR.
(Online)

Thread Tools
Show Printable Version Email this Page
Display Modes
Linear Mode Switch to Hybrid Mode Switch to Threaded Mode