more about insurance!!

Submitted: Thursday, Feb 24, 2005 at 12:57

ThreadID: 20740 Views:3098 Replies:9 FollowUps:2

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rihearn

Hi

This is a follow up on my previous post about 4wd insurance. Its not so much a question as a bit of follow up for those that are interested!

I wanted insurance that would cover a bit of offroad (ie a few national park/state forest trails and the odd beach).
I thought that my AAMI wouldn't cover that so I went looking for other options.

Currently my policy with AAMI is rating one fully comp. for a '90 gq 4.2D Patrol SWB dx with bullbar, snorkel, aircon, dual battery and heavy duty(ish) springs. They rather optimistically value the truck at $12000
That comes to $659 for the policy.

TCIS, who advertise that they will cover offroad driving quoted $919 (They value the truck at $14000)

Australian 4WD insurance quoted $1660 (These guys were really funny. Not only was there quote funny but they thought my truck was worth $16500!!!)

After all that I thought I'd better phone AAMI and find out just what they covered. I said exactly what I've told you. We'll be driving on beaches and on 'non-gazetted' roads in national parks and state forests. They said (after checking with their boss) that as it was fully comp. I was covered for those things.

They don't cover the fridge,laptop,cameras etc. though. Those will all have to come under home contents. The rest of the camping gear is pretty battered and bruised so I'm a bit less concerned about it. TCIS will cover it for $100 for every $2500 worth of gear though (not the electrical bits though)

I hope that has been of some help to those in a similar situation to myself.

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Reply By: lc_120man - Thursday, Feb 24, 2005 at 15:38

Thursday, Feb 24, 2005 at 15:38

Have you tried Affinity Risk Partners, which are promoted by Victoria Asscociation of Four Wheel Drive Clubs (VAFWDC) link

Comprehensive Motor Vehicle Insurance Scheme

This is a new scheme that enables members to obtain comprehensive
motor vehicle insurance under a policy specifically designed by Four
Wheel Drive Victoria.

Agreed Value or Market Value including all of your accessories
and optional extras
Choice of Repairer
Australia wide coverage
Optional camping equipment coverage Australia Wide up to $5,000
Lifetime rating one protection available
Removal of excess for windscreen option
Security system discount
Low kilometre discounts
Hire car if your vehicle is stolen

All you need to do is call Affinity Risk Partners on 1300 655 850
and ask for "Four Wheel Drive Insurance". You will be supporting
your Association and you will be impressed with what is on offer.

AnswerID: 99938

Reply By: Truckster (Vic) - Thursday, Feb 24, 2005 at 15:40

Thursday, Feb 24, 2005 at 15:40

$12k market value? or agreed? for 659??

My GQ is agreed $25k and $700.00 with Unique car insurance thru TCIS.

I went thru same humours attempts with aust 4wd insurance, they were similar as that . Im also rating one, no fines etc etc..
Some people get amazign deals out of them, yet everytime I call they wanna ream me..

AnswerID: 99939

Follow Up By: rihearn - Thursday, Feb 24, 2005 at 16:53

Thursday, Feb 24, 2005 at 16:53

They said it had a market value of 12k though I bought it for 10k so it is insured for 12k for $659

FollowupID: 358176

Reply By: Diamond (Vic) - Thursday, Feb 24, 2005 at 19:40

Thursday, Feb 24, 2005 at 19:40

recently changed over to budget insurance.
92 jackaroo insured for $12500.
alowed of road ect
rating 1 $220 with extra payed($11) for rating 1 protection.

AnswerID: 99965

Follow Up By: Member - Bear - Saturday, Feb 26, 2005 at 09:45

Saturday, Feb 26, 2005 at 09:45

I would be surprised if Budget Insurance covers you for any 4WD offroad or similar driving.

I have had previous dealings with them when my Prado was stolen. They were the lowest Insurance company I have ever dealt with and I had been in the industry fro 22 years.

I would ask for all covers to be agreed to you in written form.

Good luck

Paul

FollowupID: 358407

Reply By: Vinnie - Thursday, Feb 24, 2005 at 22:07

Thursday, Feb 24, 2005 at 22:07

I got onto Budget Direct - '92 Maverick 4.2D LWB **$13500 covered** all roads (including any mapped off-road) and beach - premium $369.
Only extras were B/Bar + T/Bar + A/C + D/*Lights.

We had an accident on Stockton beach in December 2004 the truck is still at the repairers (of my choice) they keep finding more damage as the repairs go on, currently a new diff housing is to be fitted as I bent the original 3 Degrees.

They keep approving repairs and will not use second hand parts if new are still available. The steering box was knackered and could have been replaced as a recon unit for $1050, instead they said put on a newy (cost $1475)

All repairs garranteed for the life of the vehicle while I am the owner.

My premium re-newal came in January and cost an extra $85 because of the claim
and I dropped back to 40% no claim for the next two years.

At that price I can live with that.

Repair bill has topped $9500 to date without the diff repair.

AnswerID: 99999

Reply By: NissanNut - Thursday, Feb 24, 2005 at 22:47

Thursday, Feb 24, 2005 at 22:47

I just insured my new 80 Series 1990, turbo and a few extras with AAMI for market value of $17000 and it only cost me $612!

I asked the same question about off road cover and was told I was covered 'Anywhere' I take the vehicle in Australia.

Can't go past that I reckon.

NUTS!

AnswerID: 100013

Reply By: Rigor - Friday, Feb 25, 2005 at 08:47

Friday, Feb 25, 2005 at 08:47

My 2 cents worth . Just got my renewal for the 99TD Jack SE , market value $29K.
wanted $650 so shopped around and settled with Suncorp at $550 with 60% no claim , over 50 and got rid of a few unwanted ancillaries like accomodation and hire car, comes with free windscreen I think every 2 years if required with no effect on no claim.

Cheers Dave L Qld.

AnswerID: 100060

Reply By: Squizzy - Friday, Feb 25, 2005 at 09:29

Friday, Feb 25, 2005 at 09:29

Rihearn, you quoted the insurance agents as saying,

"They said (after checking with their boss) that as it was fully comp. I was covered for those things. "

I would make sure that it is given in writing before signing and paying the insurance. Don't rely on verbal statements from their employees.

Geoff.

AnswerID: 100063

Reply By: shaggy - Friday, Feb 25, 2005 at 10:12

Friday, Feb 25, 2005 at 10:12

I have an 80 series diesel, pto winch, air lockers front rear, dual batts, roof racks, 4 inch lift kit, 33 tyres. insured for 26g and only costs me $480 per year. aust 4wd insurance. I have lots of traffic fines, but no licence loss. under 30 yo male... rating 1 in melbourne. full off road insurance, including creek crossings.

go figure... bargain

AnswerID: 100069