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RE: [OM] Insurance

Subject: RE: [OM] Insurance
From: "S P Krone" <spkrone@xxxxxxxxxxx>
Date: Thu, 14 Mar 2002 20:01:34 -0500
Hello Joshua,
First I want to thank you about the points about using bullets on my
auction.
Second I want to apologize about the photoshop, I expressed interest on the
list about eb*y etiquette concerning fellow lister's and got flamed for it -
it know seems to have come to fruition with the "eb*y ID" posts making the
rounds.  Anyway, if the auction doesn't go the Photoshop is yours for the
shipping costs, as it should have been before I got disgusted and left.
Paul

-----Original Message-----
From: owner-olympus@xxxxxxxxxxxxxxx [mailto:owner-olympus@xxxxxxxxxxxxxxx]On
Behalf Of Joshua Putnam
Sent: Thursday, March 14, 2002 7:29 PM
To: olympus@xxxxxxxxxxxxxxx
Subject: Re: [OM] Insurance

Josh Lohuis wrote:


 > My mother (an insurance broker) has decided its time to
 > insure all my camera equipment.  I've been using Skip's
 > average Ebay prices for all the lenses but I'm at a loss
 > when it comes to my body.  How much is an OM-1n worth? Its
 > in utter perfect condition, no brassing anywhere (even the
 > strap areas).  I just don't know how much to write it down
 > as.  Should I use the high values instead of averages, what
 > about the fact that some things are rising in price, should
 > I factor that in somehow.  When I get everything figured out
 >  I'll post it so it can be looked over, I wouldn't want to
underestimate
 >  anything, or overestimate too much :-)


Personally, I'd be inclined to use a dealer price, even though
that's higher than what you'd pay if you were buying carefully on
eBay.  Why?  If your body gets stolen, what do you want to do,
hope for a reasonable price on a good body on eBay, or call your
preferred used equipment dealer and order one the day you get the
check from the insurance company?

The question of increasing value is important, too -- there's no
automatic increase on items insured at a scheduled value, so you
will want to review the scheduled values of your equipment
occasionally to make sure it still covers replacement cost.  If
some items get cheaper that's fine, but if the gear doubles in
price once new gear from Olympus is unavailable, your coverage
won't automatically increase to cover it.

--
           josh@xxxxxxxxx is Joshua Putnam
             http://www.phred.org/~josh/
      Updated Infrared Photography Books List:
    http://www.phred.org/~josh/photo/irbooks.html


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