Club 4x4 insurance
Submitted: Wednesday, Sep 13, 2017 at 13:56
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Member - Wildmax
Hi all,
I know this continues various previous discussions on the topic of insurance - just wondering if anyone has recent CLAIMS experience with Club 4x4 Insurance?
Their pricing is competitive and I have found the staff to be friendly and efficient - so am on the verge of signing up for both ute and camper (and I like the additional benefit of having the two policies lined up, rather than with separate insurers).
My only remaining question is whether anyone has had real-world experience in lodging a claim, and how that went?........ especially in regard to remote area travel, which is what we do.
Any
feedback appreciated.
Cheers
| Wildmax
2018 Hilux and Black Wolf 210 tent - for the outback tracks less travelled
Formerly an AOR Eclipse and a TVanMember
My Profile Send Message |
Reply By: Member - nick b boab - Wednesday, Sep 13, 2017 at 16:33
Wednesday, Sep 13, 2017 at 16:33
Furthermore : does the club need to be Incorporated . what happens if the insurance policy fails to pay and someone comes after Club members for compensation ?
Cheers
AnswerID:
613751
Follow Up By: Kenell - Wednesday, Sep 13, 2017 at 18:57
Wednesday, Sep 13, 2017 at 18:57
Club 4x4 is not actually a "club". In insurance parlance it is an Authorised Representative of an insurer. Legally the insurer they act for is responsible for them. The insurer is Hollards - a South African insurer licensed to operate in Australia. There are no issues about their ability to pay or likelihood of being around when the ship hits the span so to speak. The original question about experiences of claimants is the right one though.
Ken
FollowupID:
884269
Reply By: Member - kev.h - Wednesday, Sep 13, 2017 at 18:53
Wednesday, Sep 13, 2017 at 18:53
Check out which company underwrites it, they are the ones you will be dealing with
AnswerID:
613762
Follow Up By: Shaker - Wednesday, Sep 13, 2017 at 23:55
Wednesday, Sep 13, 2017 at 23:55
You don't deal with the underwriters, which in this case are Hollard.
FollowupID:
884282
Follow Up By: Member - kev.h - Thursday, Sep 14, 2017 at 12:25
Thursday, Sep 14, 2017 at 12:25
Yes you are right but the underwriters are responsible for paying claims and if you sign up to some dodgy scheme and the underwriter go belly up you don't have any insurance
What i was trying to point out is
check out who is behind the scheme because they are paying the bills
In this case they are a respected insurer but not always
FollowupID:
884297
Reply By: rob c - Wednesday, Sep 13, 2017 at 23:53
Wednesday, Sep 13, 2017 at 23:53
I have my van insured thru them, just got my renewal notice and guess what a whopping 50% increase, no claims made in a year or ever, emailed em and they replied that it wasn't their fault its the underwriters and they use claims data to run the price. I am looking elsewhere.
AnswerID:
613770
Follow Up By: Member - Wildmax - Thursday, Sep 14, 2017 at 08:37
Thursday, Sep 14, 2017 at 08:37
Thanks for that - interesting point. I guess that is why a few of us change insurer from year to year. One of the reasons I'm looking around now is that my current van insurer premiums went up quite a bit this year even though agreed value went down and no claims have been made.
I think they all get you in at the intro rate and then hope you'll just cop the adjustments down the track!!
| Wildmax
2018 Hilux and Black Wolf 210 tent - for the outback tracks less travelled
Formerly an AOR Eclipse and a TVanMember
My Profile Send Message |
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Reply By: TTTSA - Thursday, Sep 14, 2017 at 07:35
Thursday, Sep 14, 2017 at 07:35
I recently made a claim for a windscreen, I asked for a genuine Toyota screen and seal and had no problems. Claim approved same day and was replaced by their repairer as soon as the screen and seal arrived at Toyota dealer.
Peter
AnswerID:
613774
Follow Up By: Member - Wildmax - Thursday, Sep 14, 2017 at 08:38
Thursday, Sep 14, 2017 at 08:38
Good to hear, thanks.
| Wildmax
2018 Hilux and Black Wolf 210 tent - for the outback tracks less travelled
Formerly an AOR Eclipse and a TVanMember
My Profile Send Message |
FollowupID:
884291
Reply By: Member Boroma 604 - Sunday, Sep 24, 2017 at 11:46
Sunday, Sep 24, 2017 at 11:46
Gooday,
We joined CMCA several years ago and have Caravan, Tow Vehicle as
well as second car with them,
well worth the effort and the annual fee as
well as Joining Fee, (once only), they use Allianz, called Ken Tame but think that name is now part of Allianz but makes no difference, had a windscreen claim but that is all.
Have had a couple of claims with Allianz previous to going to CMC A and tops to deal with.
Premiums have been far better than alternatives.
Cheers,
Boroma604.
AnswerID:
613925