beware-Insurance risk on 4x4s
Submitted: Sunday, Feb 24, 2008 at 15:54
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dustynissan
I contacted Alliance for a quote. They asked if the width of the rubber on the road was wider than 8 inches. Standard tyres measure 8.75 inches.
They will not insure the vehicle if this is the case. There was no negotiation. Flat out NO. There is hardly a car on the road with tyres less that 8 inches of width on the road.
Suncorp said they don't care about the rubber as long as its legal.
Might be worth checking your insurance company, especially if you are insured with Alliance????
Reply By: jeepthing - Monday, Feb 25, 2008 at 17:33
Monday, Feb 25, 2008 at 17:33
dustynissan,
I was interested in what you are saying here and found it to be quite intriging that the width of a tyre would have such a bearing on whether an insurance company would refuse to take out a policy where the tyres are standard equipment on a vehicle!!
I take it you are talking about Australian Alliance Insurance? I've done a bit of research int this company and it seems that they take out contracts of insurance on behalf of APIA (Australian Pensioners Insurance Agency), Shannons and Insure My Ride.
Anyway I completed a dummy application on line and I was not asked any questions about tyre size.
If I was you I would contact www.insuranceombudsman.com.au
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Follow Up By: dustynissan - Monday, Feb 25, 2008 at 17:46
Monday, Feb 25, 2008 at 17:46
Hi, thanks for th interest.
I didn't apply online, I made a phonecall and talked to the phone rep.
It seems so strange to me too.
But it makes me extremely cautious of taking a policy with them.
I'm not too worried, I have insured elsewhere.
They were adamant that the rubber was not to be wider than 8 inches. AND on top of that the let me walk away without taking out the insurance on all the other items I was offering them.
It just doesn't make sense to me, but they definitely said they would not insure a vehicle if the rubber was over 8". That is not just 4WD's either.
They kept insisting that I read the product disclosure statement.
maybe there is something in there. I don't know????
Happy travels
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Follow Up By: jeepthing - Monday, Feb 25, 2008 at 18:14
Monday, Feb 25, 2008 at 18:14
The Product Disclosure Statement is in fact the policy and there is nothing in there about tyres. The only section that could apply is in the Modifications section but it would only come into play if the tyres are not standard size in accordance with the vehicles specifications. You say the tyres were standard equipment so I can't see why that insurance company could legitimately say what they did.
This would be a problem for all those people who fit oversize tyres and have not made that disclosure on their insurance policy which COULD void their insurance!!!
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