Thread: I could have cried...

Originally Posted by patclan

This post got me a bit nervous, I called QBE today to check my policy.

The lady on the phone said anywhere in Australia I am covered, I insured a 4wd and they expect me to go off road. no track days of course.

yes good idea because they don't cover flood.

Originally Posted by newhue

yes good idea because they don't cover flood.

I know, I got into so much grief from the misses when I moved the home insurance from Suncorp to QBE, they don't cover floods from rising water and the likes, I live at 550m above sea level, so figured I was safe from that.

All the other parts of the policy were similar or better so its a compromise, bush fire would be my biggest risk and for the same cost as suncorp I got an extra 100k insurance for a rebuild. As for the car, I got 4 yrs new car replacement with QBE, again similar price as suncorp.

The wife bought a new mazda 3, had it 5 weeks and decided to rub the side of it down a concrete pole in a car park, her wonderful Suncorp hit her with a $600 excess and no car hire for the week it was in the shop. recklessness a side, blind brand loyalty and no research made the experience worse.

Its all a compromise and risk, but then that's insurance I guess.

4 years replacement from new is good value, I only have 2 with RACQ. Not that I ever want to go through righting off a vehicle again, but when you use the vehicle for what you bought it for sometime things happen very quickly, and another 2 years would be comforting.

I'm sure ol mate who rolled it was not intending to, and in hind sight can see where he went wrong. Experience = knowledge, but sometimes the knowledge comes at a price.

Now days I watch a fair bit of you tube 4x4 accidents to work out what people do wrong. I have only a couple years driving off road, and the more you do with others helps a lot, but put that wheel in the wrong spot on a hill with a shift of weight and oh no, game over.

It is actually quite a simple job to repair that on a Defender.

If that was a regular car, with a monocoque chassis, any damage to the roof or pillars would render it a write-off as the shell IS the chassis.

The Defender is completely different.

New bulkhead, roof, a few other panels and she'll be as good as new.

M

it had to be the crappy P38 type read diff that caused that.......