Insurance

[zilch]

Speaking to my insurance today about the additions to the Car they enquired where i was going, i mentioned Cape York, they then steered the conversation to stipulate that my insurance only covered registered roads and tracks and not any off road trails, tracks etc that not covered by the local/state/fed authority.

Anyone come up with this one before ??

[Torero22]

Speaking to my insurance today about the additions to the Car they enquired where i was going, i mentioned Cape York, they then steered the conversation to stipulate that my insurance only covered registered roads and tracks and not any off road trails, tracks etc that not covered by the local/state/fed authority.

Anyone come up with this one before ??

Yes, but I have never had a 4WD claim - but this is common. There are several 4WD insurance companies out there. I will try and look up who I used to use, on my old 4WD.

Edit: You should see their reaction with mods on your 4WD - lol - I had NRMA cancel my policy on the spot once - great customer service !

Tor

[~Rich~]

Most insurance companies cover you as long as you are travelling on a Gazetted road.
I insured with Shannons so I would be covered 'anywhere' in Aus not just on Gazetted roads and also for anyone who drives my vehicle anywhere!
Extra's on the vehicle are covered too.

[firefoxGC]

Zilch, I use suncorp and they cover for any location in Australia. Doesn't matter where I am but... I am not covered if I have signed a waiver for entering a location. I.e a 4wd park.

When I was looking last year a few of the bigger guys do this. I made sure that it's written as a clause in my agreement but I know I am covered 100% if I am at the cape say or across the Simpson.

[zilch]

Is the Old Telegraph Track gazetted as they say or would i have to stick to Bypass roads officially?? what about north of the jardine once i get the
ferry.. just want to make sure i am covered, bad enough with LR assist telling me its only covered in a similar vain :censored:

[zilch]

Edit: You should see their reaction with mods on your 4WD - lol - I had NRMA cancel my policy on the spot once - great customer service !

Tor

Tor i mentioned the "additions" to the car, rather than mods :wasntme: the are cool with it as long as there is no engine performance modifications.

As the OL bar is certified, the Snorkel is actually a LR product and the rest is mainly underneath body protection i do not foresee any problems, i even put it in writing to them via email as they suggested so they have it on file.

Thanks

[Torero22]

Tor i mentioned the "additions" to the car, rather than mods :wasntme: the are cool with it as long as there is no engine performance modifications.

As the OL bar is certified, the Snorkel is actually a LR product and the rest is mainly underneath body protection i do not foresee any problems, i even put it in writing to them via email as they suggested so they have it on file.

Thanks

My old car was significantly modified - body lift, suspension lift, large balloon tires, air lockers front and rear, etc ,etc, etc - Trust me it was so modified it featured in a well known magazine and got front page. I don't mean the basic mods.

If I remember ARB used to sell insurance for 4WD, but not on their web anymore !

But I didn't go with them - let me go into my old files & get back to you. Searching the Web - it seems AAMI now cover 4WD - I also need to ring to get appropriate cover.

[sheerluck]

I asked specifically when I took out a policy with Youi for my Disco, their answer was that I was covered anywhere within the shores of Australia. The sole proviso was that the terrain had to be within the manufacturer's listed capabilities for the vehicle.

[CaverD3]

GIO cover anywhere exclusion is rally and time trials.
If you have a novated lease often their insurance only does gazetted roads. But then again it also only covers lease payout amount too.:mad:

[Torero22]

Yes AAMI cover 4WD all over - except if you do racing and related mods.
But got a quote at 1,440 per year.

Got a quote from Commonwealth bank for $874 per year, identical cover - just need to check the PDS to make sure I am really covered.

Will post the other details tomorrow for u.

Hope it helps
Tor

[stray dingo]

I contacted AAMi a while back and got the extensive written response
:
"Thank you for your email.
AAMI covers your vehicle anywhere in Australia including if its being driven off road.
If AAMI can be of any further assistance or you have any further questions relating to this matter, please do not hesitate to email us at any time.
Kind regards,"

FYI - Got my insurance premium due at the moment $1319 (MY12, SE, bull bar, snorkel, rear carrier, fuel tank, $80000 agreed value)

[Torero22]

Zilch,

I have confirmed that comminsure (Commonwealth Bank) will cover 4WD all over Australia including tracks as long as you are not involved in any racing, have speed related performance enhancements or illegal/unlawful dealings. This is within their PDS pg 20 point 5 - as quoted by them. They are significantly cheaper than AAMI & NRMA. you can call to get a quote on 13 24 23.

As promised the other insurer was ANFWDC Insurance Systems PH: 9972 3700.
I am not sure how cheap they are, but will find out myself soon when I ring to get a quote.

Hope this helps.

Tor

[sheerluck]

Tor,

I tried CommBank last year. I'm glad I was sat down at the time. :D

Try NAB. They are underwritten by Allianz, and gave me a good quote this year.

[Meken]

I asked specifically when I took out a policy with Youi for my Disco, their answer was that I was covered anywhere within the shores of Australia. The sole proviso was that the terrain had to be within the manufacturer's listed capabilities for the vehicle.


So the terrain response knob says sand, mud ruts, grass gravel snow & rock climb - that pretty much covers everywhere you could possibly drive in aus ;) listed by the manufacturer right there in the middle of the console

[sheerluck]

So the terrain response knob says sand, mud ruts, grass gravel snow & rock climb - that pretty much covers everywhere you could possibly drive in aus ;) listed by the manufacturer right there in the middle of the console

There's no marking on that knob for vertical rock faces, nor is there a submarine mode. So, if you take it across a 50 degree slope and roll it, they aren't going to pay up. Take it through 2m of water, when LR list the wading depth at 750mm, they won't pay up.

Unless of course my D3 is missing a couple of modes on the dial. :p

[Meken]

You don't have submarine mode?

[sheerluck]

You don't have submarine mode?

No. Can it be retrofitted? :D

Don't tell me it's just a very large roll of duck tape and a 3m extension to the snorkel??

[Graeme]

There's no marking on that knob for vertical rock faces, nor is there a submarine mode. So, if you take it across a 50 degree slope and roll it, they aren't going to pay up. Take it through 2m of water, when LR list the wading depth at 750mm, they won't pay up.
I trust that's knowingly or intentionally exceed the manufacturer's limits rather than accidentally.

[Tote]

If you are in a club you can use TCIS in Adelaide, they will cover anywhere in Australia. Underwritten by Allianz.
4WD Vehicle Insurance - TCIS Insurance Brokers | Commercial Business Insurance | 4WD Vehicles | Home and Content Insurance - (Powered by CubeCart) (http://www.tcis.com.au/index.php/4wd-vehicle-insurance/b_4.html)
Regards,
Tote

[sheerluck]

I trust that's knowingly or intentionally exceed the manufacturer's limits rather than accidentally.

That was a clarification I should have requested, come to think of it Graeme. However, we were walking specifically talking of 4wd'ing at the time, but it doesn't hurt to be 100% clear.

[AndyG]

TCIS quotation application

What percentage is the 4wd used off-road?
How would you answer this above:

Fraser Island beach is a gazetted Rd ?
Birdsville Track is a Rd ?
Telegraph Line to Cape York is a Rd ?
Frenches Line, not a road ?
Driving across a farm, not a road ?

[MrLandy]

Has anyone signed up or had experience with 'Club 4X4 Insurance'? Supposedly they specialise in covering all off road driving.

Also wondering if anyone has notified their insurance co about having an engine re-map and if this affects policy?

Cheers

[winaje]

Be EXTREMELY careful to read the PDS that applies to you WHEN you take out your insurance. I wish I could name and shame, but I have just been declined a claim based on an old PDS with an off-road exclusion, even though the company has removed the exclusion in the current PDS. Be careful out there the industry is riddled with unscrupulous scum.

[kogvos]

Has anyone signed up or had experience with 'Club 4X4 Insurance'? Supposedly they specialise in covering all off road driving.

Also wondering if anyone has notified their insurance co about having an engine re-map and if this affects policy?

Cheers

I have just signed up with Club 4x4 following several discussions around modifications and water crossings. I'm very happy with their offering for my modified Defender (no engine mods). The price was significantly cheaper than my previous insurer, including off-road recovery, increased personal effects coverage and all my mods ($25K). The excess is a little higher, but I'm OK with that.

[MrLandy]

I have just signed up with Club 4x4 following several discussions around modifications and water crossings. I'm very happy with their offering for my modified Defender (no engine mods). The price was significantly cheaper than my previous insurer, including off-road recovery, increased personal effects coverage and all my mods ($25K). The excess is a little higher, but I'm OK with that.

Cool. Good to hear. Thanks Kogvos.