Overlanding
Overlanding Adventure Derailed: What if All Your Gear is Stolen or Wrecked in a Crash?
By Scott O’Sullivan, Founder of Rider Justice & Overlanding Enthusiast
You’ve outfitted your rig for overlanding. You lifted the vehicle. You added new bumpers, new wheels and tires. You added a fridge and power supply. A roof-top tent. You’ve got the bike rack. The bikes. The kayak rack. The kayak. The fly-fishing rack. The poles. The camper. The coolers. The tents and sleeping bags and air mattresses, cookware, camp chairs, cameras…
Holy moly you’ve invested in your ability to get outdoors! Your vehicle, whether it’s a Jeep, a Toyota 4-Runner, or another vehicle entirely, is now like a Swiss Army Knife for camping and getting away from it all. Good for you!
But have you thought about what would happen if that gear were stolen? Or if you were in an accident?
Before you leave on your next overlanding adventure, you need to insure all of that equipment. It’s not as expensive as you might imagine and, given how much you’ve invested, it is totally worth the pennies-on-the-dollar that you will spend to guarantee that you can replace it.
What Kind of Insurance Covers My Camping and Adventure Gear?
I had to do a lot of research to figure out exactly how to insure the gear that I put into and onto my Rider Justice truck. Believe me, I was shocked to discover how much I had invested and that it wasn’t covered by insurance! So, I was personally very motivated to get these details right.
In a nutshell: You need different insurance for the items you affix permanently on your vehicle and the items you load into your vehicle. I will address them separately.
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How to Insure the Items You Affix Permanently to Your Vehicle
Take a mental inventory of all the items you have affixed to your vehicle for overlanding: tires, wheels, lift, bumpers, lights, auxiliary power, roof top tent, hitch, roof rack, fly-fishing rack, kayak rack, bike rack. Now, imagine a deer jumps out into the road… I have seen cars and campers demolished from such a collision. If you don’t have all that gear insured, you could lose it all.
Make sure you have enough comprehensive and collision insurance. What is the difference? Here is an easy way to understand them:
- Comprehensive: “It hits you.” (Such as a deer, a falling tree, etc.)
- Collision: “You hit it.” (Such as a standing tree, light pole, giant rocks while you’re off-roading, etc.)
(If someone else hits you in a car crash, their insurance should cover damages. But if they aren’t insured well, you need to make sure you have UIM coverage. See the bottom of this article for more on UIM.)
I recommend that you collect receipts and take photos of everything you mounted on your vehicle. Then, call your insurance agent to purchase enough insurance to cover all of those permanent changes you added.
Underinsured Motorist Coverage (UIM)
Now, it’s time for my regular UIM mantra. If you haven’t heard this before, and if you don’t have UIM insurance, please pay attention!
First of all, if someone else hits you, they probably won’t have enough insurance to cover all of your adventure gear, other vehicle damage and medical care. It’s just that simple.
Even if you have great auto insurance and healthcare insurance, you need UIM on every auto policy you buy because UIM covers a lot more than you might expect.
UIM policies cover the following:
- Lost wages
- Current and future medical expenses
- Any damage arising from the accident (with the exception of property damage, which should be covered by the rest of your policy)
- All economic and noneconomic loss, which includes pain and suffering
Too often, victims expect the bad guys to “make things right.” If the bad guy is insured well and doesn’t flee the scene, then you are one of the lucky ones. Normally, the bad guy is underinsured. You need UIM.
Adventure On! Call Your Insurance Agent Today
I hope this article has convinced you to call your insurance agent and start a conversation about covering your adventure gear. If you need any guidance on the types of insurance you need, I would happily chat with you. (I love a good overlanding adventure gear conversation!)