REQUEST: Best 4wd insurance?

[Treads]

Who is the best company to insure your vehicle with that will cover incidents on 4wd trails, dirt roads, water crossings etc?

I do know NEVER to touch Allianz ever again after my experience with our last vehicle :bat:

Thanks in advance

[Xavie]

HI Treads, there are many threads on here so you should be able to do a search and get more info then I have to offer.

But from talking to a few companies now TCIS insurance sounds like the best for "everywhere" cover.

AAMI say they will insure anywhere as long as your not in competition.

I tried one which I think I just googled ?"Australian four wheel drive insurance" and they looked good but only do over 25 from what I could ascertain so no good for me but maybe fine for you.

Xavier

[incisor]

i personally find suncorp are pretty hard to go past...

dont know whether they would cover you down there tho...

[sam_d]

I'm with NRMA who don't specifically say they won't cover you for any accidents etc when 'off road' in their policy disclosure statement.

I have emailed a request for clarification last night to see what (if any) the restrictions are. If I get a useful answer in the next coupld of days I'll post it here.

[Psimpson7]

Think I am with that Australian 4wd insurance and they seem pretty good. Say they will cover the car anywhere off road within OZ. also happy with all my mods.

Cheers
Pete.

[Ruslan]

Hi Treads,

I'm looking for new insurance company too. Last week I've got the quote (via phone) from QBE (http://www.qbe.com.au). Here is some figures:
- Market: 33793
- Prem: 602
- Acc: 350

I have some accessories, such as snorkel, bull/tow bars, 2 batteries etc... in total cost of 4.5K - they count everything. Offroad, you have to be on track (shown on map/GPS). Stuck on beach, sunk... but evidence of attemt to try to recover = covered. Also they happy with any mods (for example, 5" suspension etc.), only let them know. Trial/competition autos not covered.

OK, looks like more places to call, check and get quotes:
- TCIS
- Suncorp
- Australian 4wd

Thanks, guys :)

Cheers,
Ruslan

[Xavie]

Sorry I'm just going to add a quenstion in... It's very naughty I know!

Now, I don't understand insurance well so I'm going to ask for some advice.

I called TCIS and as I'm under 25 and vehicle has a few mods on it they said they can insure but they have to use Allianz. I've heard negative things about this mob. BUT, does it actually affect me who they use because don't I deal with TCIS and not Allianz?

Thanks for your help.

Xavier

[Xavie]

I've just called suncorp and they are not for me. They offered 9 grand on a fully modded up disco if it was a write off. Said it was top price available.

And They don't actually take accessories in to account when working out premium all they do is make a note which is interesting.

Xavier

[incisor]

:eek:

had my 95 disco with them just over 12 months ago with an agreed value of 17k and about a $500 premium

95 defender i have 11k agreed with similar premium which i thought sucked rocks compared to the disco but they have always looked after me well so....

[sam_d]

I got a useful reply from the NRMA Insurance bods about off road cover:

On behalf of NRMA Insurance I am able to provide you with the following information in relation to your enquiry about off road driving.

Off-road driving and riding is acceptable for Comprehensive, TPPD & TPFT Insurance. Provided the vehicle is not used in connection with any race, including rally, trial, test or contest.

Off-road driving and riding refers to vehicles being driven on unsealed roads or in areas where there are no roads. For example across a paddock.

For your convenience I have provided a link to our Product Disclosure Statement (PDS) available to you online.

http://www.nrma.com.au/pub/nrma/policy/media/pdf/motor-policy-nsw.pdf


Pages 30 and 31 may be helpful for this enquiry.

I'm keeping a copy of this just in case... :)

[Treads]

I ended up going with AAMI, they will cover anywhere in Australia, regardless of whether on a track or not. Reasonable premium but agreed value on std truck was a little low (they wouldn't go any higher than what I'd paid for it).
When I put the bar, winch, lights, radio, snorkel, etc that bumped it up okay, especially when you quote RRP for accessories :wasntme:

[PeterM]

AAMI is trying to pack rape me with my premium. Recently recieved and for the Disco are asking for just over $800 Comp. Value? A paltry $6k. Are they friggin' nuts?

[p38arover]

AAMI are odd. I wanted to change the garaged address (20km away) on the Disco. They wanted an EXTRA $1000 for the policy (on a $9K policy) to make it $1900 (daughter driver under 25 with no speeding fines nor accidents)

So I went on line and got a quote on new policy with them at the new address. $800.

I changed to them on my P38A some years back as they were 1/3rd the price of TCIS.

[V8Landy]

I am with aami.Had a vehcle written off(off road)and they paid the agreed value but took a while to give me the money.I also had a wheel come off the disco last yr they wrote it off and paid promptly although i thought it was a bit low this time.Over all i would recomend them they were good to deal with and kept me informed of what was happening both times.Cheers Brett

[foz.in.oz]

I am insured with AAMI and just before Christmas had an offroad incident. Got stuck in a creek crossing trashed ecm etc. Phoned them up and they dealt with my claim very effeciently. I had a hire car through them for 10 days at $10 per day. I have a protected policy with them so I didn't even get a price hike on renewal. The cost of insuring the previous year was cheaper than my first premium with them. I can't grumble with them.

[Treads]

Just got my new green slip with them, a lot cheaper than any of the others :D I'm pretty impressed. Doesn't seem to be a limit for how much after-market stuff you can add on to the policy either. I've added $5k worth of gear so far and they haven't baulked at all. Premium has only gone up $70 :)

[adnic]

seriously i was with nrma & luckily never had to test them, however when i got my defender with a uk scorpion extreme suspension kit in it, nrma said thanks but no thanks, despite us having the house,contents & discovery with them.
i checked aust 4wd insurance and they cover you everywhere( i mean EVERYWHERE!) & they were so much cheaper than the others & they cover absolutely al the accessories you list.
can't say what a claim is like but i just chipped the windscreen & they offered a free glass replacement every 12 months.

[seqfisho]

One more happy Australian 4WD Insurance customer, they are underwritten by CGU and as Adnic said they cover any mod and any location, not even a problem with 4wd parks like some do, I've just done the ring around today as mine was due on Monday just gone:angel: to see if I could better the deal.

They were still the cheapest by up to $150 as well as having the cheapest excess and no problems with the child brides driving experience (less than 10yrs?) they also are very easy to deal with.

I luckily haven't had to test them with a claim yet.

[Fusion]

I have just signed up with shannons insurance with full cover . at the moment i have the disco insured as a standard 4wd which is costing me $443. a year. I also done a quote with it fulling modded and it added another $50 to the cost. $500 premium :).

[PeterM]

Just had a chat to a group called Vigil, got their number from the insurance ombudsman, I'm impressed!

They insure on agreed value only and take all mods into consideration, sort of like a competitor to Shannons. End result $11k value as a private recreational vehicle = $605 and I can pay quarterly without any penalty. Included are things like windscreen & window replacement, protected rating & choice of repairer etc. I'd never heard of them before and thought I'd share it with you guys.

They're number is 1300 134 054 and they are based in Melbourne.

[Xavie]

I have just signed up with shannons insurance with full cover . at the moment i have the disco insured as a standard 4wd which is costing me $443. a year. I also done a quote with it fulling modded and it added another $50 to the cost. $500 premium :).

I was going to go with shannons but I asked straight out if they cover for offroad and they said nup, no way! I do have the series 2a with them and it's 200 a year which I'm happy with but no way I'd do it with the disco.

Xav

[CaverD3]

Wrote my D2 off. Rolled in on a farm track. GIO paid up, no issues, and couldn't have been more helpful.:)

[Rugrat]

Who is the best company to insure your vehicle with that will cover incidents on 4wd trails, dirt roads, water crossings etc?


Can't compare many - but can vouch for GIO.
Have (unfortunately) had 2 write offs on dirt - one a road, one a track and both times they have come to the party 100%.

From my understanding the rules (sure to be corrected if wrong:p) are:
The track/road must be gazetted (i.e. on a published map), you must be legally allowed to be there and the vehicle must be capable of being there.
The last one is a tad dubious if your crawling over rocks or swimming up river but generally most 4wders fit the above.
When i got a quote on my 110 the 'voice on the end of the line' pointed the above out. So it comes down to price IMHO.
Shop around but I personally wont be moving from GIO in a hurry (oh they are now part of Suncorp).

But ask them straight up - most will explain what is and what isn't covered.

[solmanic]

One more happy Australian 4WD Insurance customer

Hmm, when I Googled them I got this link to the ExploreOz forum and there are a couple of very unhappy customers there (http://www.exploroz.com/Forum/Topic/2411/Modified_4WD_insurance.aspx?ky=%22Modification%22&p=%2FForum%2FDefault.aspx%3Fs%3D1%26ky%3D%2522Modi fication%2522%26pn%3D1)...

[worraps]

just got a quote through tcis for my 96 disco as nrma has put my insureance up by $100 over last year (no change no claim) nrma came in at 677 for market value tcis came in at $606 agreed for 14k including all mods done and state they will cover any geographical location in australia
i guess my only question is has anybody delt with these guys before
any info good or bad would be great



worraps

[Tombie]

just got a quote through tcis for my 96 disco as nrma has put my insureance up by $100 over last year (no change no claim) nrma came in at 677 for market value tcis came in at $606 agreed for 14k including all mods done and state they will cover any geographical location in australia
i guess my only question is has anybody delt with these guys before
any info good or bad would be great



worraps

I know the owner...

Wouldnt P... on him if he was on fire..... And their service is ..(insert expletive deletive here)...

I use DGA, Aust 4wd... No issues, and CGU is great to deal with.

[worraps]

cheers tombie i will check them out :)



worraps

[iClick]

Resurrecting an old thread here ;)

I need to revisit my insurance now that I'm buying a slide-on camper.

We're currently with Comminsure and they've confirmed two thing today, they won't insure the camper, and we're not insured for ANY damage arising from a water crossing.

Can I ask if anyone knows a good insurance company that will insure against accidental offroad damage that includes water crossings?

I've looked at TCIS but the policy is $1000 more that we are paying now :eek: and thats before I add in the cost of the camper.

Any advice is greatly appreciated.