My Landy drowned ..

Unless it is an exclusion in the PDS it is covered.

If you drive through a "road closed" sign you may have some legal issues to overcome......

I specifically took out this policy covering my type of 4x4ing - and have been paying the higher premiums for just over 5 years now without ANY claims. I am covered for all off-road and beach driving except where it's on my own private land or in my driveway (for some reason). No mention or limitation on rivers, bog holes or anything else for that matter. There is a penalty to pay because it is a off- road claim - the excess is doubled.

It happened on a public road in a National Park so no "private road" or "road closed" issues thankfully - although I have passed some of those in the past so something to take into consideration in future. "She'll be right - it will never happen to me" is not always true.

Mine covers my own land and driveway. (GIO)

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Originally Posted by PerthDisco

I was under some impression that river crossings were not covered by any policy?

A bog hole is clearly different but wondered if in fact river crossings are at your own risk?

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River crossings or Fords on a track, are gazetted roads on public land, so are covered, I know this because I drowned my old 4WD in a river crossing, also a gravel road is not offroad, it is only classed as offroad if it is 4WD only road.

Baz.

back on topic.

clean intercooler outside as you said a bit boggy. may need to remove front bumper( if you have one)
check out connections behind battery ( remove battery first)
oil steering UJ's they are not well sealed

remove/dry electrics from under seat ( could be linked to radio issue)

maybe
check air filter is dry

unless its deeper than 600mm (often automatic write off) its more ljikely to be fixed.

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Originally Posted by TerryO

Just make sure your insurance covers you off road and only get agreed value policy's, otherwise when it comes time for it to being written off all of a sudden your cars value goes own another 10k or so.

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Agree 100% with TerryO - I only insured at "Market Value" and may regret it now - for a few $$ more I could have insured at "Agreed or Nominated Value" - aaahhh the benefit of hindsight.

The only thing I would add is that you need to keep your policy up to date with anything you add to your vehicle after you insure it - otherwise your vehicle is insured but not the expensive goodies you added on (compressor, bullbar, winch, LED lights, etc) - another reason to go "Nominated Value" because then I think you can add anything up to that value.

As it turns out the quote for the repair is $ 12.8k so well below "Market Value" so I think they will repair it:)

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Originally Posted by TerryO

Well hasn't his thread dragged out some gooses ....

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Must be full moon or something new in the water. My son warned me about forum posts that go feral and turn into a "word war" - just did not think it would be this one :eek:

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Originally Posted by rb30gtr

Oh, how do I know if I am covered off road?

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As the other guys have said read your insurers PDS (Public Disclosure Statement) - OR - if your going through an insurance broker call them and make them confirm exactly what you are covered for, when and where.

Thanks to all who contributed ...on both sides of the argument.

Ask for copy of the quote. Are you choosing the panel beater or the insurance company?

I get to choose my repairer so no problem with the quote it's from Discovery Automotive in Wangara, WA - Land Rover specialists that have been looking after my car since I got it.

Great guys and great service - MUCH better value for money than Barbagallo's (or Southern) in my opinion.

No real panel damage so no need for a panel beater.. few scratches that they will buff out as part of the valet service..

Definitely use someone you trust. :BigThumb: