4x4 insurance

Most normal car insurance covers you anywhere that is legal to drive however it does pay to check.

Garry

I am with QBE standard vehicle cover, no special conditions – slid off some rocks on a beach in WA.
QBE said it didn’t matter that it wasn’t on a road – repaired the damage without a quibble - said I was covered anywhere in Australia.
Look at your policy and see what’s excluded.

Ditto Suncorp, covered anywhere, on road or off road so long as the vehicle is roadworthy. In a recent discussion prior to renewing my insurance, they said in their view there was less risk of me making a claim from a trip down the Canning stock route than there was of me driving the same k's to and from work here in Brisbane.
Having said that, you must still talk to your insurance company and discuss all aspects of your needs and the potential use of your 4wd.
Tony

With AAMI, if it isn't in the exclusions list you are supposedly covered, although fingers crossed I haven't had to test that yet. Every policy has to have a PDS - read it closely to see if it suits. Bigger problem with older vehicles such as mine is getting a reasonable agreed value which accounts for accessories in a write-off situation. There's a heap of discussion on 4WD websites about insurance and people's experiences if you have the time to search.

We recently changed to AAMI from QBE. Main reason was that QBE would not cover for contaminated fuel and our cruiser being diesel this is a very important point when travelling in the outback. I sent QBE an email about this cover and this was their reply,
'I have referred your question regarding contaminated fuel on and have been advised that engine damage from contaminated fuel is not a claimable event with QBE, the service station would have to be sued for the damage.'
This being very difficult when travelling. I asked the same question with AAMI and they replied that we would be covered. AAMI were also a lot cheaper and I was able to get an agreed value cover and below is AAMi's clause for off road. I believe that the ‘reasonable precautions’ would be the same with all companies as with any type of cover. Kevin

TCIS, through the 4WD Association, offer cover anywhere you can take your 4WD.
I don't know what they offer if you're not a member.

Paul

I am with QBE and as stated they cover you anywhere in Aust. I spoke to them in regards to beach driving, bush driving, fire trails, water crossings, out in the middle of the desert etc and all are covered. Anywhere means ANYWHERE as long as it is legal.

The other thing to look for are things that are included, accommodation in the event of an accident in the country, Travelling expenses back home and back to pick up vehicle from repairer, hire car after accident, redelivery costs, towing costs etc.

Hi Kim & Di,

I am insured with the NRMA in NSW & spoke to them when I first bought my back then new 4WD. NRMA cover so long as the road is not on private property. Fire trails, beach, simpson etc were all covered.

I did $12,500 worth damage to my Nissan X-trail on Stockton Beach & had no issues with the NRMA processing my claim.

Cheers,