Club 4X4 insurance

Thanks for posting this, my current insurer has dropped the agreed vaue of my car by $15000 in 12 months, agreed value around $35000 and that includes $20000 in accessories!

After reading your post I went and did some research on another forum and it seems those who have insured with them are happy, I received a quote for $300 less than my present insurer and cover is for agreed value of $50000.

I insure through Affinity Insurance Brokers in Vic. They have a policy which has been scrutinised by Four Wheel Drive Victoria. I have found their quotes competitive. Several years ago when the market value of my Cruiser was $38,000 I changed it to an agreed value of $63,000 for an extra $313 per year. Three weeks later I rolled and wrote off the vehicle in Arnham Land. It took the towie 6 hours to come from Katherine and 6 hours back. At the crash site I rang Affinity on the satphone and lodged the claim there and then. I stayed in Katherine with some friends for 6 days and then fly home to Melbourne. The next day the $63,000 less the excess, plus out-of-pocket expenses was in my bank account. It was the service you dream about but rarely get.

hi
club 4x4 insurance is owned by a big south African company and was requested to be set up by Pat Callinan after he had discussions about the need for a company that fully covers all the after market equipment that owners put on their 4bys that normal insurance companies wont cover
I read about this on his web site and he mentioned it also on 1 of his TV shows recently
this big south African company also owns about 12 other insurance companies that operate in Australia as well

My 4x4 club had a presentation by the owner of Club4x4 last monday night. They are backed by Hollard but operate as a completely separate entity. The owner seems like a straight up guy with a fair bit of 4x4 experience himself. My impression was that it wasn't cheap but seemed like a very good product. They offer a lot of things not found in other companey's policies, particularly remote recovery insurance for mechanical breakdown and pretty comprehensive insurance for modifications. As an example he said they just wrote a policy for a $16k car with $65k of modifications.
All in all, the policy coverage seemed really tailored to real world off roading by cars modified for the purpose.

Another coverage question is location: beach, river, private /ungazetted track etc?

We didn't have any trouble with 4x4 insurance until we went to pay. You have to use direct debit to pay.

We don't use direct debit as we had an issue once getting an "extra" payment back. Apparently the young lass who took our call to cancel a monthly direct debit instalment from out account didn't bother to complete the cancellation and they took more then was required. It took two months, more payments, to get them to send the money back and finally cancel our subscription.

So we went back to our previous insurance company and will never use direct debit again.

A shame, because they looked good for us.

Phil

Hollard Insurance group.
They are represented by a huge number of niche insurance offerings in Aus.
A lot of these have plenty of complaints against them so do your research well...
Never heard anything bad about this branch though.

Hi Trevor
We have Club 4x4 Insurance and up to now no problem at all.
Actually the salesmen I usually talk to, is so good he remembers me by first and second name and vehicle as well. I called him just last week since we will need CTP insurance – they don’t do it …. unfortunately.
But we didn’t have claim and hopefully we never will.
What is excellent on Club 4x4 Insurance, you can have extra recovery insurance when you plan to go on hard to drive track (but road/track must be legal).
We switched from NRMA as they don’t insure extras (not really ….) NRMA policy was too expensive and our vehicle was under-insured by several thousands.
We pay all insurances yearly. It is simple. For example private health insurance goes up $ on 1 April, so if we pay by that time we save (last year hundreds of dollars).

Cheers Dana