Thread: What does your insurance cover?

The two images on the vid cover give a clue of how to cover yr arse with a total loss.

Make sure you have a couple of full jerrys and a box of matches at all times when beach driving.

DL

I was thinking along similar lines, but it's a bit hard to explain how a car caught fire when it was door handle deep in sloppy mud.

Originally Posted by V8Ian

I was thinking along similar lines, but it's a bit hard to explain how a car caught fire when it was door handle deep in sloppy mud.

Seaweed ignited by the DPF, no doubt!

Seriously though, if I was an insurance assessor and some bozo lodged a claim for vehicle damage from attempting say, Gunshot, Mudlo Rocks, or most beaches and creeks at high tide, I know what I'd be thinking and quite possibly be saying. In the nicest manner possible, of course.

That's an interesting video from Ronny Dahl and raises a lot of valid points. Real can of worms.
For example, we saw a bloke take a hired Troopy over Gunshot and cause some damage. Pretty sure vehicle hire contracts would not cover that and he would not be insured. He would probably claim it happened somewhere else.
Last time I checked I was told we were covered if where we were was shown on a map, but what does that mean? Not covered on a farm? Do you have to get the vehicle to a point where a two-wheel drive recovery truck can reach it?
Is the vehicle covered if the assessor finds the EGR or DPF have been bypassed?
Assessors are there to save the companies money, not make life easy for vehicle owners.
Bet there are a lot of people out there who might get a shock if they claimed.

Originally Posted by V8Ian

I was thinking along similar lines, but it's a bit hard to explain how a car caught fire when it was door handle deep in sloppy mud.

Perhaps the owner shot up a flare to be rescued, but forgot to get out of the vehicle?

Originally Posted by DiscoMick

That's an interesting video from Ronny Dahl and raises a lot of valid points. Real can of worms.
For example, we saw a bloke take a hired Troopy over Gunshot and cause some damage. Pretty sure vehicle hire contracts would not cover that and he would not be insured. He would probably claim it happened somewhere else.
Last time I checked I was told we were covered if where we were was shown on a map, but what does that mean? Not covered on a farm? Do you have to get the vehicle to a point where a two-wheel drive recovery truck can reach it?
Is the vehicle covered if the assessor finds the EGR or DPF have been bypassed?.......
.......

If the EGR or DPF modifications did not contribute to the loss they are immaterial.

Originally Posted by RANDLOVER

If the EGR or DPF modifications did not contribute to the loss they are immaterial.

Maybe not,as the vehicle is not legal,unroadworthy,and shouldnt be on the road.
Most insurance companies do not cover vehicles that are not registered,or registered,but have mods that are not legal.

Although,EGR turned off,blanked,etc,is more difficult to see,than a DPF that has gone missing.

Many also will not recover a vehicle where a 2WD vehicle will not go.

If concerned,read the Disclosure Statement.
I read the Disclosure Statement for Club 4X4,and couldnt believe the things that were not covered in the policy.

We must remember,insurance companies always do their best to try to get out of a claim,that is just the way they work.

That “4x4” insurance mob has so many “get out of paying” clauses in the PDS it boggles the mind.

I know of two persons who thought everything was good u til they had a vehicle fire. “Fire from aftermarket wiring / accessories isn’t covered” - well prove it wasn’t the factory loom as the entire vehicle went up!