Thursday, Mar 19, 2015 at 11:19
Honky,
Yes agree with your comment. This is why I have a "customised" policy with Youi. They were the only company willing to do this.
While at
home, my telescopes are covered under the standard Contents policy. Annual premium under $500.
My policy is set up like a bank acc where I can log-in. All of my scope equipment is listed within my policy. I log-in & add or remove items for travel away from
home.
When I am taking scopes & equipment away from
home, I log in & "add" all of the items that I am taking. They are then 100% covered anywhere in Oz until I log-in again & remove them.
In this way I only pay the additional premium per day for the days I have the gear away from
home, rather than paying a fixed annual amount of more than $5000 which is what I was quoted by Suncorp, NRMA & the like under the traditional system.
If I take every bit of scope gear the daily premium is $35/day. But I rarely take everything. Usually about half of the gear.
Annually I only have the gear away from
home for a maximum of about 25 days total. So with this customised policy I save about $3500/yr in premium compared to a standard style "away from home" clause in a standard contents policy.
Cheers, Bryan
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