I could have cried...

[Sue]

for this poor Defender owner that I met on Saturday at a 4WD park... he seemed to be such a lovely guy and was rightfully proud of his gorgeous new 110..

On Sunday (today) I saw this and I felt so sorry for him.. the park owners said it only had 1500kms on the clock.. and I'm guessing with the pillar damage it has the car will be a right off.. :(

I must admit that I drove a little more carefully after seeing it.. and I'm praying he isn't a member of this forum and that who ever he is he has insurance to cover it..


https://www.aulro.com/afvb/images/imported/2012/04/820.jpg

https://www.aulro.com/afvb/images/imported/2012/04/821.jpg

[juddy]

Now that is a mess...

[dobbo]

Does insurance cover the use on private property ie 4wd parks?

[Sue]

Does insurance cover the use on private property ie 4wd parks?

It depends.. at this particular 4WD park the main road travelling through the park is a gazetted road which means that yes you would be covered if the accident occurred on this road.. if it occurs on any other road or track in the park then no it's not covered unless you have specific insurance for 4WD use.. a lot of insurance companies specify in their policies that cars are not covered whilst in 4WD parks..

[dobbo]

Personally I think he'd be kicking crap up hill getting that paid out. Blowing 60k would be a very memorable couple of nights in a vegas casino

[VladTepes]

I had no problems at all with Suncorp and a.. umm. similar scenario. (repaired at cost near insured vlaue)

But yeah looks like a write off to me.

[juddy]

Would make a great soft top...

[Reads90]

Look bad but why do you say it's a write off.

It needs a roof, windscreen couple of doors and some wings bits. but manly panels. That won't cost $60,000

Does not look like any major damage and rember the panels on a land rover (unlike new cars) are not part of the structure of the car.

[ugu80]

It depends.. at this particular 4WD park the main road travelling through the park is a gazetted road which means that yes you would be covered if the accident occurred on this road.. if it occurs on any other road or track in the park then no it's not covered unless you have specific insurance for 4WD use.. a lot of insurance companies specify in their policies that cars are not covered whilst in 4WD parks..


"Of course it happened on the gazetted road". He said to the assessor, hand on heart.

[rick130]

"Of course it happened on the gazetted road". He said to the assessor, hand on heart.

Just like there were so many accidents outside Oran Parks front gate :D

[Sue]

Look bad but why do you say it's a write off.

It needs a roof, windscreen couple of doors and some wings bits. but manly panels. That won't cost $60,000

Does not look like any major damage and rember the panels on a land rover (unlike new cars) are not part of the structure of the car.

I was under the impression that once the main pillars are gone then they usually write the car off.. ?? Both front pillars are broken.. :(

And I really hope that his insurance covers him.. he was a gutted man (and for good reason) when I saw him yesterday..

[dobbo]

Just like there were so many accidents outside Oran Parks front gate :D


there still is, and now it's a crappie overpirced housing estate

[isuzurover]

I was under the impression that once the main pillars are gone then they usually write the car off.. ?? Both front pillars are broken.. ...


In a normal car yes. In a land rover the B and C pillars are one bolt-in part.

AFAIK all decent insurers will cover you in a 4x4 park as long as you weren't taking part in a comp.

EDIT: However the vehicle may still be classes as an economic writeoff due to the amount of damage.
e.g.
Roof
Both pillars
doors,
rear left quarter
etc
etc...
Easily be $10k in parts (especially if bought through Landrover)

[olbod]

"Of course it happened on the gazetted road". He said to the assessor, hand on heart.


If it had happened on that gazetted road, wouldn't it have had to be reported to the coppers ?

[Loubrey]

I've done my insurance through the local dealer (underwritten by Alliance) as "Land Rover Insurance" and my policy clearly state that "The policy shall include the use of the vehicle on any road that appears on an official Australian map (Hema or similar) whether sealed or unsealed."

I queried whether it was just legalese for Gazetted roads and the answer was that it’s a product designed for Land Rover and it covers all use on all known roads. The only exclusions are the normal stuff like motorsport and use in conjunction with my business or trade as I picked a private use only package.

I honestly hope he is covered and that he's able to replace the car. Unfortunately most insurance companies don't differentiate between car brands and a bent pillar is 99% of the time deemed a write off. That’s why Defenders make good buy backs if you get the chance.

[Ranga]

All the insurers I got a quote from assured me their policies covered me anywhere I was legally allowed to be, except if participating in a competion. Despite that, I'll be double-checking my Shannon's policy.

Sent from the dodgy keyboard on my phone via Tapatalk

[Beckford]

That is repairable. All the panels bolt on, bolt off.

There is a user on here who put their defender on it's side recently, and put the worst of it back into shape with a hammer.

I am growing so attached to my Defender, I now want to fix myself in the advent of a minor accident.....

[Mick_Marsh]

If it had happened on that gazetted road, wouldn't it have had to be reported to the coppers ?
AFAIK the boys in blue only need to be informed if there was in injury other than pride.

If it was mine, I'd buy it back and convert it to a rag top. The dents add character and "bush cred".

[Tombie]

Looks like a classic case of enthusiasm exceeding capability :D

[PAT303]

It will go for big dollars at auction. Pat

[solmanic]

I've just been through my policy wording from Allianz and can't find any mention of whether my vehicle is covered on roads or private property. Only the previously mentioned wording about not being covered if it's being used for motorsport. I'm sure legally then I (and anyone else with the same cover) should reasonably expect to be covered for any lawful use of my vehicle.

I mean you would expect to be covered if you had a prang on your own driveway wouldn't you? And even if that driveway was near vertical and up a dry creek bed.:angel: The only loophole I can read in my policy is if the insurer determines that I was intentionally trying to trash the car. One thing I might expect to be stung with is the cost of having the vehicle recovered to where a regular tow truck can load it up.

It would be interesting to read wording from other people's policies and build a database of non-Landrover suitable insurers for reference on this site somewhere.

[newhue]

RACQ are good for all occasions except competition.
When I required their service all they asked was what happened. Had I been drinking. And the name of a third party to clarify if I was or was not under the influence. Apparently when they were contacted nothing was asked about what happened.

[rick130]

I think QBE have an exclusion for 4WD parks as well as the usual such as motorsport, time trials, etc.

I'll dig it out.

[gitney]

I'm with Alliance. I called them and asked what their policy is with 4wds and the answer they gave me was 'if you're legally allowed to be there we will cover you.' so as long as you have a permit if you need one or have paid entrance fees etc. it sounds like they will cover.

[Judo]

When I signed up to Budget Direct, I asked about 4x4'ing and received the same answer, 'if you're legally allowed to be there we will cover you.'

[jasonedu]

I checked with my insurer (AAMI) before getting a policy and have got responses in writing that I am covered anywhere (gazetted road or not) as long as I am not participating in a competition.

It does depend on who you are insured with so I think something worth checking (along with water damage) before handing over your money.

[Xtreme]

I put AAMI to the test a few years ago by 'creating' a write off in a mates driveway - No questions asked and payout, including buyback of damaged Defender all finalised within 10 days - no problems. And I'm still insured with them with no loss or reduction to my 'no claim' bonus.

[newhue]

yes I was surprised when RACQ wanted to re insure me. What really amazed me was when it was $100 cheaper to insure the new car which was 3 times the price of the one i just wrote off; and keep my no claim bonus, and rating 1. I just don't get but it sure made me happy.

[LRO53]

for this poor Defender owner that I met on Saturday at a 4WD park... he seemed to be such a lovely guy and was rightfully proud of his gorgeous new 110..

On Sunday (today) I saw this and I felt so sorry for him.. the park owners said it only had 1500kms on the clock.. and I'm guessing with the pillar damage it has the car will be a right off.. :(

I must admit that I drove a little more carefully after seeing it.. and I'm praying he isn't a member of this forum and that who ever he is he has insurance to cover it..






How did he do that? I gather it was at LCMP as the tow truck shows Kilcoy.

[Sue]

How did he do that? I gather it was at LCMP as the tow truck shows Kilcoy.

Yes it was at LCMP.. but as I am unaware what his insurance company covers him for, lets just say it was most probably done on the main gazetted road because the other tracks were fairly treacherous due to the wet conditions and being torn up the week before (Easter) and not on one of the red extreme tracks.. :D

[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.

[newhue]

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.

[patclan]

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.

[newhue]

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.

[camel_landy]

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

[uninformed]

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

[Jitterbug]

I rolled my '96 110 last year at a pay and play park and got a complete payout by the insurers (nrma). I just said I was on private property on an unsealed road, which is true, i gave them the address so wasnt hiding anything.
I was intending to buy it back but was told that it would go through auction, i decided that I didnt have the space or time to get it fixed, no idea what the salvage sold for in the end...