Hi Team..
I've done this on Myswag too, and attempted to search here for additional information, but gave up.
This insurance gig, what are the questions a person (Newby like me) should ask when insuring a campertrailer?
- Are you covered onroad or offroad anywhere in Australia?
- Are occasional drivers insured (EG: if I hurt myself, and mate tows it
home once in a lifetime)
- Are you covered on Islands - EG Fraser Island etc.
- What is classed as an Isolated Location? (Read this on the Cape thread Myswag
forum)
- Are there any Geographical Boundaries at all?
- Does the track have to be on a map - if so whose map, and can they supply the map?
=----- A 4wd club map (Some clubs have their own maps)
=----- Rooftop map, Adventurer map, watching a Les Hiddens DVD etc
=----- Does it need to be a Government printed map?
=----- Tourist center maps?
=----- Private Property/Park map?
- Are you covered on Club Properties?
- Are you covered on Private Property?
- Are you covered for Water/River Crossings?
- Are softsided trailers covered? (From myswag thread: Some insurers have a problem with contents in what they classify was soft sided - Just be carefull with CIL, while they will happily insure your camper, they are one of the mobs who may decline contents cover of a soft side camper. eg canvas)
- Are you covered if the trailer is not attached to the car?
- Are you covered for basecamping - leave the trailer unattended?
- Are excess different if it needs recovering offroad to onroad?
- Are there limitations to the recovery?
- If there are repairs, is the van then delivered to your
home if it is repaired in another state?
- Are you covered for inside the tent?
- Are you covered inside the Annexe if it is enclosed?
- Is the tent considered part of the annexe (I read this on another
forum)?
- Are you covered for cameras, or electrical goods inside the trailer/annexe?
- Are locked toolboxes covered?
- Are Solar panels covered?
- Are you covered for storm/flood damage? (eg Tree falls, struck by lightning)
- Is Pay by the month option? If so is it extra?
- How many make-an-excuse-to-get-out-of-paying departments do you have?
Anything else you can think of, or have asked yourself??
Thanks
Captain Shoelace.