Thread: Defender 110 Car Insurance

what bar are you thinking of putting on it?

Just one that does not have Australian ADR approval... but a nice well known and very well made bar.

???

Only one reply?

I did not think this wold be a tough question guys!

Your in a rush!
I had no drama with RACQ,
Given there is no airbags, and I presume it's not forward sloping pedestrian scoper is can't see it being an issue.

Not sure what you mean by ADR compliance on the bar. Air bag equipped models must have compatible bars which do not impact on the airbag deployment system and are either approved by the car manufacturer or can be demonstrated by the bull bar manufacturer that the airbag system is not compromised. This means complex mount systems and testing so ARB and the others do simulations to demonstrate this.


The Defender does not have an airbag system so provided the bar fits in with your states guidelines it should be O.K. I don't think it would be ADR complied as such, but should fit in with the ADR guidelines. It would need to be made with pedestrian safety in mind, have no sharp edges or items protruding from the bar etc. Most bars fitted to non-air bag vehicles should be O.K. provided they fit within the confines of the vehicle, aren't sharp and have rounded features etc. As others of mentioned you need to say what bar you are talking about before anyone can give a more thorough reply.


I would be surprised if a supplier would sell a bar design that would not fit in with state rules as they would be leaving themselves open to litigation big time.


A 4 poster as fitted to a 1980's ute would be an example of something that would not be acceptable on any new vehicle, airbag equipped or not. Fishing rod holders bolted to the front of a bar which would gut a pedestrian on impact would not be acceptable.


I might be wrong on my opinion and stand to be corrected, but do a search on Bull Bar ADR rules and it basically comes up with a list of guidelines for each state.


Hope this helps.

Pete
I purchased a defender in May and Insured it as with my other vehicle with the RAA the vehicle was worth one and a half times what I paid for it.
The Guy said they would not insure it for more than what I paid for it for the first 12 months.
Now it is worth twice the purchase price.
I recently rang them explaining the situation and threatened to take my business ie house vehicles caravan else where. It now appears that the Guy back in May was talking bull**** and they are taking an interest.
The saga continues.
The point is the their rules change according to who you speak to'
Best of luck
Happy Christmas to all

Great replies guys, many thanks!

I personally have NO issue with airbags, design, or any other so called techno mumbo jumbo that we are all subjected too day after day!

My query is simply derived from the statement from my Shannons qoute ('insurance, designed for the motoring enthusiast...)!!! that a bullbar that is NOT Australian ADR compliant 'may' result in the rejection of an insurance claim.

It is too easy here, to bury our collective heads in the sand... but given the way OZ has gone litigation wise since I grew up her as a kid many years ago, I can just hear the spotty cheeked Barrister saying that the reason Mrs 'x" is now maimed, is because Mr 'y" chose to fit a non ADR compliant BullBar! We all know that is BS...

Some insurance companies will obviously take a common sense approach to this having examined this scenario with their own legal eagles... others will simply state ADR mate, or you are on your own! I would like to know who the former sensible companies are!

IMHO, there is no point in having insurance when IF, you are faced with a huge 3rd party law suit, you insurance company will not stand side by side with you.

Clearly, Shannons policy is based upon ADR products from ARB or TJM. No others. I am asking please if there ARE other companies who are quite happy with the Defender as a car... knowing it has no airbags, ladder chassis etc etc that know it makes zero difference to a collision with another vehicle and a subsequent law suit over 3rd party damages if my Defender had a TJM, ARB or 123 Bullbar fitted...

Back to the head in the sand comment...

Personally, I don't want to fit an TJM or ARB product... but I also want to know that if the worse were to happen with my Bullbar made by 'X", I would not end up in jail!

Grrrr... this is NOT me but given life experience, I just know the way things CAN go...

Does this answer my query???

Cheers,

Pete

Originally Posted by Pete757

Just one that does not have Australian ADR approval... but a nice well known and very well made bar.

The reason I asked what bar you were considering is because if you were lookin at a tube winch bar like the terrafirma's rovacraft's etc Itonman4x4 now make an exact copy that is ADR compliant. But who knows what bar you are looking at as you won't share the details.

How do you expect people to share their knowledge if you won't be open with your query?

Whatever