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Club 4x4
2nd December 2015, 01:00 PM
Hi all

Following a great response so far from everyone on the forum (and also the fact that the Club 4X4 promo vehicle is a GU!) we are happy to enlist as a sponsor to this great forum. We will be using this thread to answer any questions, provide updates on our products and events etc. and interact with everyone.

What is Club 4X4?

Club 4x4 was developed after a gap in the market was identified. There are enthusiast companies out there that focus on classic and collectible cars, motorcycles and highly modified vehicles; but there were no direct market options available that tailored for the 4x4 enthusiast!

We set out to build a product that removed the grey areas associated with insurance for off-road scenarios, provide coverage that was valuable and tailored to the needs of the off-road touring enthusiast and become involved and a part of the culture. We are happy to be backed by The Hollard Insurance Company who underwrite other insurance brands such as Real and Woolworths. Obviously very different brands to ours, but they are very passionate about niche businesses which suits us well.

Why Club 4X4

We remove the grey - What point is there being an insurer for off-road enthusiasts if you don't cover them off road. We make it very clear - gazetted, non-gazetted or cutting your own path. As long as you aren't trespassing or doing something illegal like disobeying signage or law enforcement you are covered

Off-road recovery cover - What happens if you break down off road? Not an accident or claimable event where your insurer needs to get the car out, but a mechanical failure or just bogged? Roadside assist (depending on what type of cover you have) wont come and get you from dune 356 in the Simpson. Our basic coverage offers you $1500 of recovery cover. So you arrange to get out to the nearest gazetted road and send us the bill from an authorised towing company, we refund you. It's that easy. If youré planning the bigger trips you can pay extra to have up to $30,000 in cover


Australia Wide Personal Effects Cover - So what about all the stuff that we carry along with us on our adventures - Navigators, recovery kits, sunnies, camp chairs, tents, swags - the list goes on. How do you cover them? Generally your insurance will cover up to $500 depending on your insurer, but ONLY if the gear is damaged in a claimable event. What we have done is include up to $2000 cover in our basic policy, covering you for theft, loss or damage to your portable valuable, anywhere in Australia, even if it isn't with the car at the time. Think a "Portable Valuables" cover in your home and contents insurance (which you pay through the nose for!) included in your motor insurance! You can pay extra to get up to $10,000 coverage.


We cover your vehicle and your mods - the right way - what about your $35,000 vehicle and the $25,000 in mods? How does your current insurer insure you? Not for $50,000 we bet. Our intent is to have you appropriately covered - because we've all worked hard to build our rigs, surely it should be covered for what we lose if the worst were to happen?


12 Month Subscription to Pat Callinan's 4X4 Adventures magazine


Australian Operation - Our call centre is located in Australia and manned by enthusiasts! keeping the focus and jobs in our magnificent country


So there is a quick list guys. There will be more to add as we go so stay tuned. But please take the time to contact us on the below details if we can help, or post here. Particularly like our Facebook page to be kept abreast of any competitions or give-aways coming up in the future.

Happy Touring

www.club4x4.com.au
1800 CLUB 4X4
contactus@club4x4.com.au
https://www.facebook.com/club4x4insurance


The insurer is The Hollard Insurance Company Pty Ltd, AFSL No. 241436, (Hollard). Club 4X4 Pty Ltd is an authorised representative of Hollard, No. 1235616.
Any advice provided is general only and insurance coverage is subject to the policy terms and conditions. Underwriting eligibility criteria applies to insurance applications. You should read the PDS available at www.club4x4.com.au to decide if this product suits your needs.

Stropp
2nd December 2015, 01:39 PM
i must say i was a bit surprised that my quote was over $400 dearer than my current insurer?? whilst some of the younger guys were considerably cheaper than their current insurer.

Club 4x4
2nd December 2015, 01:53 PM
Hi Stropp, sorry to hear that.

Do you have a quote number that I could have the team take a look at and explain why it is how it is? As you know there are many variables that will affect your premium - and it only gets harder when you compare to other insurers as the coverage is totally different, from the sum insured we will give you down to the coverages that we provide in the basic policy. Being specialised sometimes means we can't compete with the mainstream insurers from a price perspective unfortunately.

Would love to have a look into it for you if you still have the quote number though.

Stropp
2nd December 2015, 02:05 PM
thanks, i have sent you a pm



Hi Stropp, sorry to hear that.

Do you have a quote number that I could have the team take a look at and explain why it is how it is? As you know there are many variables that will affect your premium - and it only gets harder when you compare to other insurers as the coverage is totally different, from the sum insured we will give you down to the coverages that we provide in the basic policy. Being specialised sometimes means we can't compete with the mainstream insurers from a price perspective unfortunately.

Would love to have a look into it for you if you still have the quote number though.

Throbbinhood
2nd December 2015, 02:07 PM
Why doesn't your online quote thing work for a 93 Nissan Patrol? I'd imagine it'd be a pretty popular vehicle in your line of insurance.

Stropp
2nd December 2015, 03:35 PM
Why doesn't your online quote thing work for a 93 Nissan Patrol? I'd imagine it'd be a pretty popular vehicle in your line of insurance.

not sure what winnies year is but he was very happy with his quote on GQ

Winnie
2nd December 2015, 03:49 PM
Why doesn't your online quote thing work for a 93 Nissan Patrol? I'd imagine it'd be a pretty popular vehicle in your line of insurance.

Yeah mine's a 93 as well and I couldn't do the online quote. I called them up anyway, you're gonna get a much better deal most of the time when you call regardless of which insurance co. you call.

mudski
2nd December 2015, 09:59 PM
So Kal. I take I will be receiving the mag subscription too? :)

Club 4x4
3rd December 2015, 05:25 AM
Hey guys. Rest assured we do want the GQ's! It's just that when a vehicle gets to a certain age we prefer to talk about it and maybe get some photos through. Give the team a call on 1800 CLUB 4X4 and they will walk you through the process. Otherwise send me your details here and I'll arrange for one of the guys to give you a call.


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Club 4x4
3rd December 2015, 05:25 AM
So Kal. I take I will be receiving the mag subscription too? :)

Absolutely! You should receive a notification soon mate. You'll go into the next magazine run which is early January!


Sent from my iPhone using Tapatalk

Throbbinhood
3rd December 2015, 09:26 AM
I take it vehicles have to be fully RWC as well? No 35's on a gq without engineers for instance?

Club 4x4
3rd December 2015, 09:30 AM
I take it vehicles have to be fully RWC as well? No 35's on a gq without engineers for instance?

Yes absolutely. Like all insurers, all state based legalities must be adhered too.

bigguwesty
3rd December 2015, 09:57 AM
Firstly welcome. Great to see another sponsor..
A couple of questions.
You mention you can adjust coverage short term longer trips Ie, recovery insurance. Is there a waiting period on such a claim or are you cover from the minute it goes threw?

Also just to further above with state legalities, how will you cover vehicles interstate?
Ie, in Victoria you can legally run a 2" lift and 33" tyres on a patrol but in sa we can only run 2" lift and 7mm in tyre size..
Then you have light bars lol..
How will you cover a car the is legal at home but has an accident in a state which it is not legal?

Club 4x4
3rd December 2015, 12:03 PM
Firstly welcome. Great to see another sponsor..
A couple of questions.
You mention you can adjust coverage short term longer trips Ie, recovery insurance. Is there a waiting period on such a claim or are you cover from the minute it goes threw?
Also just to further above with state legalities, how will you cover vehicles interstate?
Ie, in Victoria you can legally run a 2" lift and 33" tyres on a patrol but in sa we can only run 2" lift and 7mm in tyre size..
Then you have light bars lol..
How will you cover a car the is legal at home but has an accident in a state which it is not legal?

Thanks very much - it's great to be here

don't get me started on lighting, someone pinched the ARB Intensity's off the front of the GU a few weeks ago so we are actually looking at what to replace them with.

With reference to your question, our view will always be that a legality judgement is based on where the vehicle is registered. This only make sense because that is where the vehicle is registered and any safety checks etc. are done (where safety checks happen!). Further, the reality is while you might holiday in a different state, not many of us are lucky enough to spend the whole year on the road so inevitably we will return to our home state and spend the majority of the time there

Hope that makes sense!

Sir Roofy
3rd December 2015, 12:22 PM
how long does it take to get the paper work threw have the policy number
and every thing else on the computer
still waiting for the paper with policy number

Roofy

Club 4x4
3rd December 2015, 12:35 PM
how long does it take to get the paper work threw have the policy number
and every thing else on the computer
still waiting for the paper with policy number

Roofy

G'day Roofy,

You would've received an email almost instantly after you completed your policy. We wont actually send anything out unless you specifically ask for it.

Can you check to see if you have it, and check your junk box as well

Please let me know and i'll fix it up for you if you've not received it.

Kal

bigguwesty
3rd December 2015, 12:37 PM
Thanks very much - it's great to be here

don't get me started on lighting, someone pinched the ARB Intensity's off the front of the GU a few weeks ago so we are actually looking at what to replace them with.

With reference to your question, our view will always be that a legality judgement is based on where the vehicle is registered. This only make sense because that is where the vehicle is registered and any safety checks etc. are done (where safety checks happen!). Further, the reality is while you might holiday in a different state, not many of us are lucky enough to spend the whole year on the road so inevitably we will return to our home state and spend the majority of the time there

Hope that makes sense!
Check out Led light co (vendor here) Paul is great to deal with and his prices are excellent..

And yep. That makes sense. And rather simple.
Cheers

Sir Roofy
3rd December 2015, 12:47 PM
G'day Roofy,

You would've received an email almost instantly after you completed your policy. We wont actually send anything out unless you specifically ask for it.

Can you check to see if you have it, and check your junk box as well

Please let me know and i'll fix it up for you if you've not received it.

Kal


Kal got all that in the e/mail you sent not long after speaking with you
guess I'm a bit old fashion and like to have it in writing on paper
just in case the computer dies or where up woop woop

Club 4x4
3rd December 2015, 12:48 PM
No problem!!. Can you PM me a rego number or policy number and I'll get one of the team to send a pack out to you!

Sir Roofy
3rd December 2015, 12:58 PM
No problem!!. Can you PM me a rego number or policy number and I'll get one of the team to send a pack out to you!

PM Sent .........

Winnie
3rd December 2015, 01:25 PM
don't get me started on lighting, someone pinched the ARB Intensity's off the front of the GU a few weeks ago so we are actually looking at what to replace them with.

I hope you have a good insurance co. for that!

Club 4x4
3rd December 2015, 02:33 PM
Ha! Just as well all my accessories were covered :-)


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LaughingBeagles
3rd December 2015, 10:22 PM
I was the same as Stropp so didn't proceed.


Tap tap tap

lucus30
3rd December 2015, 10:53 PM
You did a good quote for me so I'll change soon

Club 4x4
10th December 2015, 07:48 AM
You did a good quote for me so I'll change soon

Great news!!

Club 4x4
10th December 2015, 07:49 AM
Just FYI all, we just made some revisions to our website which should make the process a lot quicker and easier. Let us know what you think!

Club 4x4
11th December 2015, 12:13 PM
Hi All - Just thought i'd share some informational pieces we've been rotating through our Facebook site just for more information. If you haven't liked our Facebook yet, I encourage you to do so. This sort of information stuff will come through there as well as give-aways and special offers.

1) Off-road Coverage - http://www.club4x4.com.au/gazetted-or-nos-the-question/
2) Contents Coverage - http://www.club4x4.com.au/attached-or-nos-the-question/
3) Off-road Recovery Cover - http://www.club4x4.com.au/covering-your-recovery/

juzzs8
16th December 2015, 12:13 PM
just did an online quote, pretty happy with it.

About to purchase now.

Club 4x4
16th December 2015, 02:38 PM
just did an online quote, pretty happy with it.

About to purchase now.


awesome stuff! glad we could help

mudski
17th December 2015, 08:28 AM
just did an online quote, pretty happy with it.

About to purchase now.

Yeah their quotes are realistic in my opinion.... Just a bit peaved at paying for my new cover with the extra $$$ for the windscreen cover and then a few days after they offer it for free.... Ahh well....

Winnie
17th December 2015, 08:43 AM
Yeah their quotes are realistic in my opinion.... Just a bit peaved at paying for my new cover with the extra $$$ for the windscreen cover and then a few days after they offer it for free.... Ahh well....

Did you say anything to them? I emailed them and they have taken the same amount off my payments now.

TimE
17th December 2015, 09:21 AM
Just tried an online quote for a 2005 4.2tdi ST wagon.

Didn't get to say the current distance travelled is only 125,000 ks. Was expecting/wanting at least $40k plus add around $25k (replacement value) of accessories.

Unmodified value returns as"We can insure the vehicle for an agreed value between $23400 and $28080", if anyone can find one for sale at that price, with low ks, let me know quick!!

Stropp
17th December 2015, 09:36 AM
you need to call them mate or contact Kalen via this thread, he will help you out as best he can, my agreed is currently 43k and i am looking at changing over due to my current insurere changing the agreed and the cost.



Just tried an online quote for a 2005 4.2tdi ST wagon.

Didn't get to say the current distance travelled is only 125,000 ks. Was expecting/wanting at least $40k plus add around $25k (replacement value) of accessories.

Unmodified value returns as"We can insure the vehicle for an agreed value between $23400 and $28080", if anyone can find one for sale at that price, with low ks, let me know quick!!

Club 4x4
17th December 2015, 09:42 AM
You beat me to it stropp! Time can you pm me the details of your quote. Ie quote number or rego number and I'll get the guys to give you a call and talk through it.

Did another insurer do you better for the vehicle value?

My only thought here is that even if we did you vehicle value for the max 28 in our system, we are literally adding 25 on top to get you just over 50k of coverage for the truck. Not sure you'd get that anywhere else?


Sent from my iPhone using Tapatalk

TimE
17th December 2015, 10:30 AM
My insurance renewal notice just arrived, my current insurer will do agreed value of $46,100. Not all my accessories are currently listed with them, only about $10k worth.

Where I'm coming from is replacement cost, i.e. a good "basic" low k 2005 4.2 ST wagon retails for around $45k, private sale (if you can find one) maybe around $40k. Add new replacement cost of all my accessories, about $25k, and I'm looking at around $65k to replace the write off (touch wood).

So accessories aside, I have always expected my insurance cover for all my cars and 4X4s to be "market value"

I'm currently doing my annual renewal "run around" on pricing and values, so will get back to you when I have more comparison quotes.

Hodge
17th December 2015, 11:50 AM
I will probably have to give these guys a ring to discuss mano-a-mano instead of letting the computer decide. I done a quick honest online quote and max agreed value for my low K 2005 4.2 was in the low 20s .
Yeah about that.

Tapatalked from S6

Club 4x4
17th December 2015, 12:59 PM
Understand whole heartedly. Believe me sometimes coming up the hill to the office up here in the Blue Mountains i'd pay 45k just for a 4.2 conversion!

Let us know how you go with your shop around. Would love to be able to help out where possible.

mudski
17th December 2015, 04:10 PM
Ring them up guys. Don't bother with the online quotes. They are made for stock standard vehicles in mind. Any mods done to your rig, your just best off ringing them direct or emailing them. Anyone knows a computer knows nothing about your pride and joy.

Club 4x4
18th December 2015, 07:39 AM
Hi All,

Just thought i would post this up here just in case you haven't seen (or don't like us) on Facebook.

There has been a fair few questions asked and out there about our stance on Fuel Contaminations and we wanted to clear it up.

https://www.facebook.com/club4x4insurance/?fref=nf

Club 4x4
5th January 2016, 08:18 AM
G'day all,

Hope you all had a great Christmas and we wish you all a safe New Year with lots of muddy adventures.

In case you guys didn't see, we've had a couple of great write-ups in the last few weeks. Thought i would share.

https://www.facebook.com/club4x4insurance/posts/474231969433930 - http://www.club4x4.com.au/club-4x4-in-thavel-australia/

https://www.facebook.com/club4x4insurance/posts/468909313299529 - http://viewer.zmags.com/publication/9d46ac2f?page=149&nocache=1451896831059#/9d46ac2f/149

Cheers

Bloodyaussie
5th January 2016, 08:23 AM
G'day club 4x4 just wanted to let you know there are many on here that do not have and in fact detest Facebook so are unable to read these links you post up.

Club 4x4
5th January 2016, 08:32 AM
ha! great tip, thanks for that! will adjust and put multiple links in the future

MyGU8
5th January 2016, 09:10 AM
Hello Club 4x4,

Got a quote for my GU yesterday, hope to go with you guys, although i would prefer a discount on my premium to magazine subscription (not to say anything wrong with the magazine, just my preference)

Happy to see you as a Forum Sponsor.

ForgeCreekFerals4x4
5th January 2016, 02:44 PM
Hello Club 4x4,

Got a quote for my GU yesterday, hope to go with you guys, although i would prefer a discount on my premium to magazine subscription (not to say anything wrong with the magazine, just my preference)

Happy to see you as a Forum Sponsor.

im hearin the discount not the subscription option, i already have one so another wont do me any good haha

Club 4x4
5th January 2016, 02:46 PM
guys if you already have a subscription please give the call centre a tingle or send us a contact form and we will work something out.

thanks for the great feedback

Club 4x4
9th February 2016, 09:53 AM
G'day all,

Just thought I would post up our latest testimonial if you hadn't seen it already.

http://www.club4x4.com.au/portfolio-item/chris-blakemore-fnb4wd/

Remember, if you have any questions please yell out!

Cheers

Kal

Winnie
9th February 2016, 10:44 AM
You guys never got back to me about my camper trailer?

Club 4x4
9th February 2016, 10:47 AM
Gday Winnie,

Really sorry about that. Can you send me quote details etc. by PM and i'll get someone to get in touch ASAP.

Cheers

Winnie
9th February 2016, 11:16 AM
Gday Winnie,

Really sorry about that. Can you send me quote details etc. by PM and i'll get someone to get in touch ASAP.

Cheers
Can you send me an email address and I will resend the email.

Cuppa
11th February 2016, 12:38 PM
I just had a quote from Club 4x4 Insurance & was pleasantly surprised by the competitive premium they offered for agreed value insurance on my vehicle & I think it likely I’ll move to their product when our current insurance renewal comes up next month.

Standard cover includes $1500 off road recovery costs (& we have RACV Total Care to cover recovery once on Gazetted Roads).
The Club 4x4 offers the optional extra off road recovery cover of either ‘Up to $15,000’ for an extra $145 a year, or ‘Up to $30,000’ for an extra $255 per year.

Can anyone give me a current ‘ball park figure’ as to what it would cost to get my Patrol recovered to a gazetted road from say either mid Simpson, or mid Canning Stock Route, to help me decide what cover to take?

the evil twin
11th February 2016, 01:09 PM
Simpson - $5,000 +/- 50%

Canning - depends where but can be best of luck - plagon of woobla to an Ericcson Sky Crane maybe?

Club 4x4
14th March 2016, 07:41 AM
Good Morning All,

I thought i'd jump on and share our latest testimonial. This time from a customer who had to lodge a claim on their Off-Road Recovery Cover.

We're proud that we were able to help Jeremie and Marie continue their trip of a lifetime.


“When we had a breakdown on the way back from a moonscaped 4WD track, 25 kms from Cocklebiddy, Nullarbor desert, we first thought that our trip would sadly end earlier than we had expected.

Thankfully as soon as we contacted Club 4X4, the process was clear and easy: they provided us advice regarding the recovery, answers about the next steps, and transparent information about the refund (5 business days after sending them all the invoices!).

Thanks to the Off Road Recovery Cover by Club 4X4 insurance, we could stay on our journey as planned!

We are 100% satisfied by the services provided and are really grateful to the Club 4X4 team who saved our wild Aussie experience!”

Marie & Jeremie

Link to testimonial (http://www.club4x4.com.au/portfolio-item/off-road-recov-marie-jeremie/)

FNQGU
14th March 2016, 07:34 PM
Cuppa - the bloke at Birdsville charges $400/hr from the minute he departs to the minute he gets back. If you were say stuck on the WAA line (about dead centre), and it took about 9hrs of straight hard driving from there to Birsdville for a Patrol, then I am guessing it would take the recovery truck an extra hour or three. Then add in time to load up, turn around and head back at a no-doubt much slower pace, then that starts to add up real quick... $8 or $9K I estimated.

By the way, this is the view if you are ever in that situation...:p

http://i935.photobucket.com/albums/ad197/BenKDJ/P7190343_zpsntdjds5x.jpg (http://s935.photobucket.com/user/BenKDJ/media/P7190343_zpsntdjds5x.jpg.html)

http://i935.photobucket.com/albums/ad197/BenKDJ/P7190405_zps8jroffxs.jpg (http://s935.photobucket.com/user/BenKDJ/media/P7190405_zps8jroffxs.jpg.html)

Cuppa
14th March 2016, 07:48 PM
Phew!

Well as of 4 days ago we are now insured with Club 4x4. We don't currently have the optional extra remote area recovery cover, but I think it will provide us with the necessary peace of mind when we renew next year.

Avo
15th March 2016, 12:17 PM
Quote..... Thankfully as soon as we contacted Club 4X4, the process was clear and easy: they provided us advice regarding the recovery, answers about the next steps, and transparent information about the refund (5 business days after sending them all the invoices!).Unquote....

I am wondering why they had to outlay any monies if they were insured...never heard of this....can you explain why if one is insured as to why they had to outlay any money..
Cheers Neil

Sir Roofy
15th March 2016, 01:08 PM
Yes was wondering that my self we used RACV road side assist when the beast died
we never paid out and have'nt heard from them either

4bye4
15th March 2016, 01:51 PM
Yes was wondering that my self we used RACV road side assist when the beast died
we never paid out and have'nt heard from them either

Don't forget to notify them of new engine number etc when you have done the fix mate. Might need them again one day. (hope not)

Sir Roofy
15th March 2016, 06:29 PM
Don't forget to notify them of new engine number etc when you have done the fix mate. Might need them again one day. (hope not)

Thanks for that mate must write a list of things to do

macca
16th March 2016, 05:54 AM
Had a look at Club 4x4 quote page, ends up being about same cost as Shannons, BUT
Greater market value of basic ute, not a lot but some.
Greater value of add ons, a dollar value instead of a list and its 100% covered
Some funds toward recovery, (options to upgrade if required)
NRMA Roadside assist, (just paid it $199 bugger)
Pat Callanans mag for a year, ($75.00?)
Will certainly be talking to them in August when we have to renew our policy.

jay see
16th March 2016, 05:58 AM
Will certainly be talking to them in August when we have to renew our policy.

You can cancel your current one and get paid out on what's owing.

macca
16th March 2016, 06:08 AM
You can cancel your current one and get paid out on what's owing.

Thanks.
I was thinking just that jay see, as were heading into the centre returning home on the renewal date.
Be nice to have more applicable cover.
Reckon I will contact Shannons to see about cancelling the policy I have, could get an extra bit off from Club 4x4 as I have roadside assist.
Sometimes they do stuff like that to sign you up.

Cuppa
16th March 2016, 07:30 AM
Had a look at Club 4x4 quote page, ends up being about same cost as Shannons, BUT
Greater market value of basic ute, not a lot but some.
Greater value of add ons, a dollar value instead of a list and its 100% covered
Some funds toward recovery, (options to upgrade if required)
NRMA Roadside assist, (just paid it $199 bugger)
Pat Callanans mag for a year, ($75.00?)
Will certainly be talking to them in August when we have to renew our policy.

I was with Shannons until last week, but have just switched to Club 4x4. Premium was over $200 less with a more realistic $11k higher agreed value. The process of getting a quote was so much easier than with many other companies. As a new company they seem to be making significant inroads into our market segment quite quickly because, I think, their product is what people want. Being new I guess there is a degree of risk - will they last?, will they handle claims well? Time will tell on those things, but they seem to be doing things right so far, so I was happy to give them a go. The more folk who do this, the better their long term future looks.




I am wondering why they had to outlay any monies if they were insured...never heard of this....can you explain why if one is insured as to why they had to outlay any money..


I guess Club 4x4 will comment on this when they next 'drop by'. However this was the optional process with my previous motorhome insurer. I never used it, but know others who did. It was just a means of speeding up recovery etc. It may be more common with specialist insurance arranged though brokers as opposed to cover direct from insurance companies???

Club 4x4
17th March 2016, 11:50 AM
Quote..... Thankfully as soon as we contacted Club 4X4, the process was clear and easy: they provided us advice regarding the recovery, answers about the next steps, and transparent information about the refund (5 business days after sending them all the invoices!).Unquote....

I am wondering why they had to outlay any monies if they were insured...never heard of this....can you explain why if one is insured as to why they had to outlay any money..
Cheers Neil

G'day Avo,

I have to apologise for the delay, been hit with a virus the last week or so so not been around as often as i'd like.

So the Off-Road Recovery Cover we offer is basically a financial compensation offer. You arrange the recovery, we reimburse you if everything checks out.

That make sense?

Club 4x4
17th March 2016, 11:53 AM
I was with Shannons until last week, but have just switched to Club 4x4. Premium was over $200 less with a more realistic $11k higher agreed value. The process of getting a quote was so much easier than with many other companies. As a new company they seem to be making significant inroads into our market segment quite quickly because, I think, their product is what people want. Being new I guess there is a degree of risk - will they last?, will they handle claims well? Time will tell on those things, but they seem to be doing things right so far, so I was happy to give them a go. The more folk who do this, the better their long term future looks.



I guess Club 4x4 will comment on this when they next 'drop by'. However this was the optional process with my previous motorhome insurer. I never used it, but know others who did. It was just a means of speeding up recovery etc. It may be more common with specialist insurance arranged though brokers as opposed to cover direct from insurance companies???

Gday Cuppa,

Glad you gave us a shot and pleased you're on board.

We have a few claims already and have a couple more testimonials on the way to help people get more comfortable with us. Claims is where the rubber hits the road (or dirt!) so we are doing our best to iron out any bugs in our processes as early as possible. None of it is possible without feedback and we take that very seriously.

Regarding your latter comment - no one in the market offers off-road recovery cover (to my knowledge anyway!!) which is precisely why Avo for example says he's never heard of anyone doing things this way - plain and simply because no one has ever come out and offered this before!

bigguwesty
17th March 2016, 12:31 PM
Hi club 4x4.
Just a quick q in regauds to the remote recovery limits..
Are these an option which can be added for the remote trip itself??
A lot of us don't get remote more than once a year and others even less..
Seems a waste to have it for a once in a year trip.. or even once every 10 years..

Club 4x4
17th March 2016, 12:53 PM
G'day biggqwesty,

At the moment you can only purchase it at the beginning of your policy, rather than purchasing it mid term.

I guess the thing would be to do the big trips takes planning, so generally you should have an idea you're going to do it at the beginning of your insurance renewal i'd imagine?

We never say never, but that's the decision we've taken as a business at the moment.

Cheers

Kal

bigguwesty
17th March 2016, 12:58 PM
G'day biggqwesty,

At the moment you can only purchase it at the beginning of your policy, rather than purchasing it mid term.

I guess the thing would be to do the big trips takes planning, so generally you should have an idea you're going to do it at the beginning of your insurance renewal i'd imagine?

We never say never, but that's the decision we've taken as a business at the moment.

Cheers

Kal
Yea fair call on the planning of said trip..
So basically if one did want to add the extra it would mean a new policy?

Club 4x4
17th March 2016, 01:01 PM
Yea fair call on the planning of said trip..
So basically if one did want to add the extra it would mean a new policy?

Just realised your name Kallen - name of the gods my friend - i'm Kalen :-)

Look in general to cancel and create another is something that our system is going to pick up. But to answer your question, that is the only way it could be done yes.

Cheers

bigguwesty
17th March 2016, 01:05 PM
Just realised your name Kallen - name of the gods my friend - i'm Kalen :-)

Look in general to cancel and create another is something that our system is going to pick up. But to answer your question, that is the only way it could be done yes.

Cheers
I was wonder with your tag of Kal.....
Here I was thinking Kallen is unique lol..

threedogs
17th March 2016, 01:14 PM
Just reading this with great interest then I said to myself who ever started the 4x4 Club insurance must own a 4X4 to start with.
With all the others they probably have a list besides them what can and can not be bolted to a 4x4, Heres one for a customer of mine coming home from Mansfield was given a RWC because he had my front recovery points on, any thoughts on this I started making these over 10yrs
ago maybe more now eveyone copies mine, point being nearly every 4x4 will have a recovery point of some description fitted to there 4x4.
How can that make a 4x4 un RW, you are just replacing what was there with a stronger part that will do the job better and safer

lucus30
17th March 2016, 01:25 PM
Just reading this with great interest then I said to myself who ever started the 4x4 Club insurance must own a 4X4 to start with.
With all the others they probably have a list besides them what can and can not be bolted to a 4x4, Heres one for a customer of mine coming home from Mansfield was given a RWC because he had my front recovery points on, any thoughts on this I started making these over 10yrs
ago maybe more now eveyone copies mine, point being nearly every 4x4 will have a recovery point of some description fitted to there 4x4.
How can that make a 4x4 un RW, you are just replacing what was there with a stronger part that will do the job better and safer
Ha???? wtf.... Since when are front recovery points illegal?

the evil twin
17th March 2016, 02:12 PM
Obvious modification attached to the Chassis... doesn't have to be illegal to trigger a Copper having a dose of the nastys to call for a RWC.
If it is OK then the poor stiff who gets the RWC will pass no worries.
If it is not OK then a dodgy vehicle gets sorted out.

Not saying it is right or wrong or taking sides and def not sayin' the Recovery points are anything but top notch... just sayin' is all

mudski
17th March 2016, 02:50 PM
G'day biggqwesty,

At the moment you can only purchase it at the beginning of your policy, rather than purchasing it mid term.

I guess the thing would be to do the big trips takes planning, so generally you should have an idea you're going to do it at the beginning of your insurance renewal i'd imagine?

We never say never, but that's the decision we've taken as a business at the moment.

Cheers

Kal
It would be great if one could take out temporary extra cover for those once a year, if that, remote road trips. Kinda like taking out insurance when you go overseas. I do realise the recovery cost location depending, to the cost of what the extra cover might be, probably wont be viable for the insurer.

Sent from my GT-N7105T using Tapatalk

threedogs
17th March 2016, 03:02 PM
Ha???? wtf.... Since when are front recovery points illegal?

Tend to think ET may have it right even after Hodges run in last week ,cops couldnt get him for anything so the
cop just started growling and snorting to get a response, but Cool hand Hodge didnt fall for it lol lol

Avo
17th March 2016, 03:39 PM
I was wonder with your tag of Kal.....
Here I was thinking Kallen is unique lol..

Oh you're unique buttercup

Avo
17th March 2016, 03:49 PM
G'day Avo,

I have to apologise for the delay, been hit with a virus the last week or so so not been around as often as i'd like.

So the Off-Road Recovery Cover we offer is basically a financial compensation offer. You arrange the recovery, we reimburse you if everything checks out.

That make sense?

yeah ok...no need to appolagise for the delay......so if i do crash roll over car get stuck in a river crossing am i expected to pay for the recovery of my car......most insurances just ring get a quote number and ring a tow truck...some people don't have x amount of coin laying around to pay for recovery...cheers

bigguwesty
17th March 2016, 09:55 PM
yeah ok...no need to appolagise for the delay......so if i do crash roll over car get stuck in a river crossing am i expected to pay for the recovery of my car......most insurances just ring get a quote number and ring a tow truck...some people don't have x amount of coin laying around to pay for recovery...cheers
Yea geeze that's a big one..
Most outlay money to insurance so they don't need huge sums of back money..
I know I do..
I pay them money so when shit happens I've got some assistance..

Avo
18th March 2016, 01:24 AM
Yea geeze that's a big one..
Most outlay money to insurance so they don't need huge sums of back money..
I know I do..
I pay them money so when shit happens I've got some assistance..

yep..peace of mind is what i pay them for........imagine...out on the CSR...oh yeah here's a spare 10g and if you come to the party i'll get it back...WTF...i don't give 1g a yr for x amount of years to come to an agreement...either i am covered or i'm not..otherwise i'll bank my own 10 grand and risk it..... which i'm doing by waiting on approval after i've forked out 1g or whatever per/yr on insuarance+x amount of recovery...i agree with excess..but this has to be a cop out and an escape clause for an insurance company...surely

Club 4x4
18th March 2016, 08:33 AM
yep..peace of mind is what i pay them for........imagine...out on the CSR...oh yeah here's a spare 10g and if you come to the party i'll get it back...WTF...i don't give 1g a yr for x amount of years to come to an agreement...either i am covered or i'm not..otherwise i'll bank my own 10 grand and risk it..... which i'm doing by waiting on approval after i've forked out 1g or whatever per/yr on insuarance+x amount of recovery...i agree with excess..but this has to be a cop out and an escape clause for an insurance company...surely

Morning all,

It seems we are talking about two separate things here.

1) Recovery after a claimable event - If you roll or smash your truck while you're out in the bush, like any insurer (IF - BIG IF, you are covered off-road, heard many people having to fight their insurer even for this bit), it is our responsibility to get the vehicle out of their so we can assess it and repair it for you. This is black and white, if it's a claimable event you are covered for getting the rig out.

2) Recovery for a non claimable event - If you break down, or get stuck (bogged etc) this is NOT a claimable event. Unlike any other insurer, our Off Road Recovery Cover will compensate you financially once you've gotten yourself out. Done a gearbox in the Simpson and you have no other way of getting out? if you don't have our cover, you are up for the costs to get out.

Every single one of our policies comes with $1500 worth of this cover included. But you can pay to get a higher level of coverage, up to 15k or 30k

Hope this clarifies things guy

Kal

bigguwesty
18th March 2016, 08:38 AM
Morning all,

It seems we are talking about two separate things here.

1) Recovery after a claimable event - If you roll or smash your truck while you're out in the bush, like any insurer (IF - BIG IF, you are covered off-road, heard many people having to fight their insurer even for this bit), it is our responsibility to get the vehicle out of their so we can assess it and repair it for you. This is black and white, if it's a claimable event you are covered for getting the rig out.

2) Recovery for a non claimable event - If you break down, or get stuck (bogged etc) this is NOT a claimable event. Unlike any other insurer, our Off Road Recovery Cover will compensate you financially once you've gotten yourself out. Done a gearbox in the Simpson and you have no other way of getting out? if you don't have our cover, you are up for the costs to get out.

Every single one of our policies comes with $1500 worth of this cover included. But you can pay to get a higher level of coverage, up to 15k or 30k

Hope this clarifies things guy

Kal

But we're still up for initially costs for a claimable recovery and then have to apply for a rembursment??

Winnie
18th March 2016, 08:41 AM
But we're still up for initially costs for a claimable recovery and then have to apply for a rembursment??

No. Try reading the post a bit slower, lol.

Club 4x4
18th March 2016, 08:45 AM
But we're still up for initially costs for a claimable recovery and then have to apply for a rembursment??

Hey Kal,

Nope, if it's a claimable event it is all covered under the claim. If it's not a claimable event then your Off Road Recovery Cover kicks in - where you need to arrange and pay for recovery then we reimburse.

bigguwesty
18th March 2016, 12:18 PM
Hey Kal,

Nope, if it's a claimable event it is all covered under the claim. If it's not a claimable event then your Off Road Recovery Cover kicks in - where you need to arrange and pay for recovery then we reimburse.
Right.. now with ya..

Avo
18th March 2016, 12:32 PM
Morning all,

It seems we are talking about two separate things here.

1) Recovery after a claimable event - If you roll or smash your truck while you're out in the bush, like any insurer (IF - BIG IF, you are covered off-road, heard many people having to fight their insurer even for this bit), it is our responsibility to get the vehicle out of their so we can assess it and repair it for you. This is black and white, if it's a claimable event you are covered for getting the rig out.

2) Recovery for a non claimable event - If you break down, or get stuck (bogged etc) this is NOT a claimable event. Unlike any other insurer, our Off Road Recovery Cover will compensate you financially once you've gotten yourself out. Done a gearbox in the Simpson and you have no other way of getting out? if you don't have our cover, you are up for the costs to get out.

Every single one of our policies comes with $1500 worth of this cover included. But you can pay to get a higher level of coverage, up to 15k or 30k

Hope this clarifies things guy

Kal

ah thanks heaps.....sorry about all the questions...but it's no harm in asking.....i understand now..... it's clear..thanks

Club 4x4
1st April 2016, 08:38 AM
Morning Everyone.

I wanted to share with you all a news update. Today we issued a New Supplementary PDS (SPDS) which amongst other slight adjustments, makes some significant changes to our Off-Road Recovery Cover benefit.

Following feedback from, and work-shopping with customers we have relaunched the benefit with much clearer wording and extension of where we will cover you to. The feedback we had received was that the product only covered out to a gazetted track, which was limiting and left a gap between this and the traditional roadside assistance coverages many of us have. There have been pricing and excess adjustments to suit the extension of coverage and this is all detailed in the link to our press release here (http://www.club4x4.com.au/news-supplementary-product-disclosure-statement-effective-april-1/)

We are very pleased that we have again been able to adjust our coverage based on feedback from our customers.

Thanks everyone and Happy Touring.

Kalen

Cuppa
1st April 2016, 10:52 AM
Thanks for the update Kalen.

I’ve had a look at the revised cover & feel that the product has certainly been improved.

I am less certain about the changes to pricing however. Is it possible that Club 4x4 realised what they were previously offering was not sustainable for the company & have used the changes to cover to address this?

If I am reading it correctly it seems that for the addition of ‘closing the gap’ between the previous recovery to a gazetted road and the new recovery to sealed road or nearest town comes at quite a hefty price increase. Both the 5% of claimed amount excess AND a hefty premium increase.

So in the case of $30,000 off road recovery cover there is a premium increase of $345 (from $255 to $600) plus if the full $30,000 is claimed an additional excess of $1500

I accept that the pricing has to keep your company profitable & afloat, & the addition of the 5% of the claimed amount does sound, as your press release says, equitable. However an added $345 to the previous premium of $255 to me seems an excessive amount just to cover the difference between ‘to a gazetted road’ & to a sealed road or nearest town’.

In the example given on your Simpson Desert recovery case study (http://www.club4x4.com.au/case-studies/) the distance from the edge of the Simpson to Birdsville is around 40kms, a 45 minute drive for a recovery truck. $345 extra premium to cover that does seem a lot.

Obviously there could be circumstances in other places where the additional distance covered to get to a sealed road or nearest town could be further, but shouldn’t this be what the 5% of claimed amount excess should cover? ;)

In principal I would accept a small premium increase AND the additional excess as reasonable for the added coverage, but a premium increase of a tad over 135%? Whew!

MudRunnerTD
1st April 2016, 12:09 PM
Thanks for the update Kalen.

I’ve had a look at the revised cover & feel that the product has certainly been improved.

I am less certain about the changes to pricing however. Is it possible that Club 4x4 realised what they were previously offering was not sustainable for the company & have used the changes to cover to address this?

If I am reading it correctly it seems that for the addition of ‘closing the gap’ between the previous recovery to a gazetted road and the new recovery to sealed road or nearest town comes at quite a hefty price increase. Both the 5% of claimed amount excess AND a hefty premium increase.

So in the case of $30,000 off road recovery cover there is a premium increase of $345 (from $255 to $600) plus if the full $30,000 is claimed an additional excess of $1500

I accept that the pricing has to keep your company profitable & afloat, & the addition of the 5% of the claimed amount does sound, as your press release says, equitable. However an added $345 to the previous premium of $245 to me seems an excessive amount just to cover the difference between ‘to a gazetted road’ & to a sealed road or nearest town’.

In the example given on your Simpson Desert recovery case study (http://www.club4x4.com.au/case-studies/) the distance from the edge of the Simpson to Birdsville is around 40kms, a 45 minute drive for a recovery truck. $345 extra premium to cover that does seem a lot.

Obviously there could be circumstances in other places where the additional distance covered to get to a sealed road or nearest town could be further, but shouldn’t this be what the 5% of claimed amount excess should cover? ;)

In principal I would accept a small premium increase AND the additional excess as reasonable for the added coverage, but a premium increase of a tad over 135%? Whew!

So your Fully Comprehensively Insured and Remote Recovery cover is $600..... up from $245? so you were Fully Comprehensively Insured for $245 before? Surely Not?? Even the $600 Fully Comprehensive Insurance is extraordinary! Where do i Sign! My insurance with Infinity (Club supported group buy) was a little over $1000 for agreed value of $40k for the GUIV!

I remember Winnie telling me his insurance was Cheap through the Club4X4 company! I seriously need to have a look at this!

Cuppa
1st April 2016, 01:49 PM
So your Fully Comprehensively Insured and Remote Recovery cover is $600..... up from $245? so you were Fully Comprehensively Insured for $245 before? Surely Not?? Even the $600 Fully Comprehensive Insurance is extraordinary! Where do i Sign! My insurance with Infinity (Club supported group buy) was a little over $1000 for agreed value of $40k for the GUIV!

I remember Winnie telling me his insurance was Cheap through the Club4X4 company! I seriously need to have a look at this!

No Darren. :) (I wish)
The ‘standard’ fully comp insurance includes $1,500 off road recovery.

The Remote recovery cover ( for $30,000 cover at those figures, but also available for $15,000 cover for a lower premium) is an optional extra on top of the fully comp. As such it is something other insurance companies don’t offer.

Club 4x4 are competitive with their fully comp premiums, I saved $200 on my fully comp premium compared to renewing with my previous insurer & received a more realistic agreed value.

So to be clear the premium of $600, up from $255 is an ‘extra’ that you can choose to pay for Remote area recovery up to a value of $30k. In addition to this increase they have added a higher excess for the Remote recovery in the event of a claim (5% of the claimed amount).

Hope that clarifies things.

MudRunnerTD
1st April 2016, 03:23 PM
Thanks Cuppa! Yes it does clarify. OUCH!

So where does the RACV Top cover for Towing Stop and this Start? it seems like something i would buy on a Trip by Trip basis only and really only for something like Solo travel across the Canning or something. If my vehicle was broken and i had to abandon it would that not be a Total Loss claim on my Insurance?

If my vehicle was still rolling on 4 wheels then flat tow by another car would get it to where i need it. If i rolled it and destroyed it then I'm happy to leave it where it is if i have to and let the Insurance recovery the wreck???

Cuppa
1st April 2016, 04:08 PM
Thanks Cuppa! Yes it does clarify. OUCH!

So where does the RACV Top cover for Towing Stop and this Start? it seems like something i would buy on a Trip by Trip basis only and really only for something like Solo travel across the Canning or something. If my vehicle was broken and i had to abandon it would that not be a Total Loss claim on my Insurance?

If my vehicle was still rolling on 4 wheels then flat tow by another car would get it to where i need it. If i rolled it and destroyed it then I'm happy to leave it where it is if i have to and let the Insurance recovery the wreck???

I expect Kalen will comment further when he next drops by.

However my understanding is that there is ‘broken’ & ‘broken’

In a nutshell, if it’s a mechanical breakdown & you needed to abandon it, this would be no different to a breakdown in the middle of the city. Insurance would not cover it.

If it’s an accident (e.g. you have a head on with another vehicle, or roll it down a dune) insurance will cover it for the agreed value. The decision (& cost unless you have the recovery cover) to recover it will be yours.

I wonder if they have insurance assessors who will travel to remote areas to check the vehicle in the event of a claim or if not what the process would be (Kalen?)

The additional Remote area recovery cover will cover the costs of getting the vehicle out whatever the reason for not being able to drive it out under it’s own power.

My belief, which may be wrong, is that RACV top cover, covers you for recovery on gazetted roads. In the Simpson Desert example recovery to Birdsville, I would expect that RACV cover would cover the 40kms from Big Red to Birdsville. So if you have that RACV cover (as we do) the new addition to Club 4x4’s Remote area recovery option would not be required. I guess the Recovery cost claimed to them would be less (by the amount covered by the Racv) & therefore the 5% excess amount would be less. This seems to me to make the increased Remote area recovery premium seem less justifiable for those with RACV top cover.

Winnie
1st April 2016, 04:34 PM
I expect Kalen will comment further when he next drops by.

However my understanding is that there is ‘broken’ & ‘broken’

In a nutshell, if it’s a mechanical breakdown & you needed to abandon it, this would be no different to a breakdown in the middle of the city. Insurance would not cover it.

If it’s an accident (e.g. you have a head on with another vehicle, or roll it down a dune) insurance will cover it for the agreed value. The decision (& cost unless you have the recovery cover) to recover it will be yours.

I wonder if they have insurance assessors who will travel to remote areas to check the vehicle in the event of a claim or if not what the process would be (Kalen?)

The additional Remote area recovery cover will cover the costs of getting the vehicle out whatever the reason for not being able to drive it out under it’s own power.

My belief, which may be wrong, is that RACV top cover, covers you for recovery on gazetted roads. In the Simpson Desert example recovery to Birdsville, I would expect that RACV cover would cover the 40kms from Big Red to Birdsville. So if you have that RACV cover (as we do) the new addition to Club 4x4’s Remote area recovery option would not be required. I guess the Recovery cost claimed to them would be less (by the amount covered by the Racv) & therefore the 5% excess amount would be less. This seems to me to make the increased Remote area recovery premium seem less justifiable for those with RACV top cover.
When I was talking to club 4x4 on the phone we talked about using their basic included offroad recovery in conjunction with my racv total care package.
If something happens, club 4x4 will get me to the main road and then racv will take it from there.

Cuppa
1st April 2016, 05:45 PM
When I was talking to club 4x4 on the phone we talked about using their basic included offroad recovery in conjunction with my racv total care package.
If something happens, club 4x4 will get me to the main road and then racv will take it from there.

Yup, that's what I thought. Given that that is the case the increase in premium for Remote area Recovery seems pretty steep. A 135% increase, plus potentially significant higher 'excess' (up from a flat rate $200 to 5% of claimed amount, potentially up to $1,500) for nothing extra to what was previously offered, unless you don't have RACV cover, in which case it still seems like a huge increase for not a lot more than previously offered.

I'm thinking they must have realised that what they were offering previously was not sustainable which is rather disappointing. I suppose as the only insurer offering remote recovery cover they can charge whatever they think the market will bear.

bigguwesty
1st April 2016, 09:12 PM
I suppose as the only insurer offering remote recovery cover they can charge whatever they think the market will bear.

deleted comments

Club 4x4
3rd April 2016, 07:14 PM
Thanks for the update Kalen.

I’ve had a look at the revised cover & feel that the product has certainly been improved.

I am less certain about the changes to pricing however. Is it possible that Club 4x4 realised what they were previously offering was not sustainable for the company & have used the changes to cover to address this?

If I am reading it correctly it seems that for the addition of ‘closing the gap’ between the previous recovery to a gazetted road and the new recovery to sealed road or nearest town comes at quite a hefty price increase. Both the 5% of claimed amount excess AND a hefty premium increase.

So in the case of $30,000 off road recovery cover there is a premium increase of $345 (from $255 to $600) plus if the full $30,000 is claimed an additional excess of $1500

I accept that the pricing has to keep your company profitable & afloat, & the addition of the 5% of the claimed amount does sound, as your press release says, equitable. However an added $345 to the previous premium of $255 to me seems an excessive amount just to cover the difference between ‘to a gazetted road’ & to a sealed road or nearest town’.

In the example given on your Simpson Desert recovery case study (http://www.club4x4.com.au/case-studies/) the distance from the edge of the Simpson to Birdsville is around 40kms, a 45 minute drive for a recovery truck. $345 extra premium to cover that does seem a lot.

Obviously there could be circumstances in other places where the additional distance covered to get to a sealed road or nearest town could be further, but shouldn’t this be what the 5% of claimed amount excess should cover? ;)

In principal I would accept a small premium increase AND the additional excess as reasonable for the added coverage, but a premium increase of a tad over 135%? Whew!

G'day Cuppa,

Sorry about the late response - some really good points raised there and i'll do my best to answer them as openly and honestly as possible. In writing the release, we've taken a pretty open approach to explaining all of the adjustments including premium and excess - we don't want to hide behind any clauses.

As you've noted, in the process of reviewing this benefit we took the opportunity to truly take a step back and look at the entire offering in detail. Many of the adjustments we have put in place were simply to remove ANY chance of there being any "grey" areas in the wording. It was made pretty clear to us that the way the product was worded was basically going to result in a product that either:

1) Wasn't going to respond, because the recovery you were trying to claim was made from a gazetted road, or,
2) Where it did respond, didn't respond enough because you still had to get the vehicle from what would often be a off-road gazetted track, (accessible by the main roadside assistance providers) to a sealed road for your roadside to then respond and get you back for repairs

In the process of doing this, like any product development project, we took the opportunity to take a look at what the anticipated claims costs would be for the revised cover. I note your example about Birdsville and notwithstanding that example, we are in a pretty big country as we all know. To allow for the coverage that everyone was calling out for, there needed to be an increased premium and deductible.

The product now becomes one that would need to be a considered purchase - this isn't an every day coverage as we see it. If you know you're doing a significant desert crossing during this policy period, you would elect to purchase the extra in the same way that you'd get a sat phone, decide to upgrade you entire suspension system or do significant restorative work or modifications to your drive-train. It's all a calculated decision.

The unfortunate reality is that without the cover, depending on where you are, you may be up for a recovery that would ground your trip and make it difficult to take your next one for quite a while. Paying the extra, even when including the excess would need to be considered and weighed against the potential cost you may incur.

Hope that makes sense and answers your questions. I'll try and get back on here tomorrow to check if there are any further responses.

Oh, and thanks for your responses to some of the other questions on here :-)

Kal

Club 4x4
3rd April 2016, 07:26 PM
Will try to answer in dot point below guys

A broken down vehicle is not a claimable event under a Motor Insurance policy - this is considered wear and tear. You're right however Cuppa in that if you damage the in a collision or accident, yes you're covered. It is then our responsibility to recover the vehicle to get it fixed - like any other insurance provider. If we needed to get out to see the car we do have agents that can do that for us.

Our Off-Road Recovery Cover is there to get your vehicle out to the nearest sealed road or town (whichever closest) if you're broken down, or to get covered for the cost of recovering your car out of a bogged situation. This benefit is unique to us and not offered anywhere else at the moment.

Lastly, i wont comment on what other providers out there offer. What i can say is that in the process of talking to various people i've been told that the various roadside providers may or may not to get you from a dirt road. Sometimes it's based on your tenure with them, sometimes it's not clear what its based on. I would consider what the gazetted roads you usually travel on are like - then determine if a rear wheel drive tilt tray will be able to get to you. That's often the determinant.

Id be looking for something on paper, addressed to you, on corporate letterhead, calling out that they will come and get you from any gazetted road in Australia before i'd sleep easy :-)

Cheers

Kal




I expect Kalen will comment further when he next drops by.

However my understanding is that there is ‘broken’ & ‘broken’

In a nutshell, if it’s a mechanical breakdown & you needed to abandon it, this would be no different to a breakdown in the middle of the city. Insurance would not cover it.

If it’s an accident (e.g. you have a head on with another vehicle, or roll it down a dune) insurance will cover it for the agreed value. The decision (& cost unless you have the recovery cover) to recover it will be yours.

I wonder if they have insurance assessors who will travel to remote areas to check the vehicle in the event of a claim or if not what the process would be (Kalen?)

The additional Remote area recovery cover will cover the costs of getting the vehicle out whatever the reason for not being able to drive it out under it’s own power.

My belief, which may be wrong, is that RACV top cover, covers you for recovery on gazetted roads. In the Simpson Desert example recovery to Birdsville, I would expect that RACV cover would cover the 40kms from Big Red to Birdsville. So if you have that RACV cover (as we do) the new addition to Club 4x4’s Remote area recovery option would not be required. I guess the Recovery cost claimed to them would be less (by the amount covered by the Racv) & therefore the 5% excess amount would be less. This seems to me to make the increased Remote area recovery premium seem less justifiable for those with RACV top cover.

Cuppa
3rd April 2016, 07:36 PM
A supplementary question Kal. :)

I may have it wrong, but thought that the likes of the RACV would recover it's members (with top cover) from any gazetted road/track.

I don't fully understand your statement 2) Where it did respond, didn't respond enough because you still had to get the vehicle from what would often be a off-road gazetted track, (accessible by the main roadside assistance providers) to a sealed road for your roadside to then respond and get you back for repairs.

If an off road gazetted track is accessible by the main roadside assistance providers why would someone covered by them need to get their vehicle back to a sealed road before accessing their service?

the evil twin
3rd April 2016, 07:49 PM
snip...
I may have it wrong, but thought that the likes of the RACV would recover it's members (with top cover) from any gazetted road/track.



Dunno about other states but that is not the case with RAC.

You have to be within 'x' kilometres of the service centre IE town.
The 'x' depends on the level of cover but highest is, I think, 100 K's and the 'road' has to be 2WD IE they won't go and hire a specialist to come get you.

I think they call it 'non-guaranteed service' and it means if you are not on a 2WD road they will help you source assistance but you have to pay for it
In WA that is, you guessed it, most of WA

From the RAC PDS....

Trafficable Road
means any public or private road, which is
designed for, and is in a suitable state to facilitate, the movements
of a two-wheel drive motor vehicle without restriction.


Un-constructed Surface
means an unsealed or
un-constructed surface which is not trafficable by a two wheel
drive vehicle.

Un-constructed Surfaces and non Trafficable Roads:
Breakdowns which occur on Un-constructed Surfaces or
non Trafficable Roads will be attended at the discretion of
the RAC or RAC Contractors, with any excess cost payable
by the Member at the time of service.

Bogged Vehicles:
Vehicles bogged on an Un-constructed
Surface or non Trafficable Road will be attended at the
discretion of the RAC. The time spent in recovery of bogged
Vehicles and/or equipment used in such a recovery is
payable by the Member to the RAC or the RAC Contractor
at the time of service. The cost of travelling to the Vehicle is
covered by the Roadside Assistance Package to the extent
of the applicable distance limits. The Member is responsible
for paying any excess cost at the time of service. Service
does not extend to a Vehicle that has been damaged as the
result of being bogged.

Out on the Great Central I had to provide Credit Card info up front before the truck would leave Yulara.
No CC or no Cash then no Flat bed

Club 4x4
3rd April 2016, 08:04 PM
Hey Cuppa - i've responded to your points below.


A supplementary question Kal. :)

I may have it wrong, but thought that the likes of the RACV would recover it's members (with top cover) from any gazetted road/track.

I wouldn't caution a guess here mate - i only go off what i've been told, so what i write here is only my thoughts and general advice. I think it's prudent to spend the time to get to know those products like you have ours


I don't fully understand your statement 2) Where it did respond, didn't respond enough because you still had to get the vehicle from what would often be a off-road gazetted track, (accessible by the main roadside assistance providers) to a sealed road for your roadside to then respond and get you back for repairs.

What i was trying to say was that under our old cover - you would've had to be on a totally unrecognized road. For example, cutting your own path, or driving cross country - not on any tracks) before the wording would allow for coverage. This still left a gap for you as a consumer where you'd need to foot the bill to get it from the gazetted track, out to a road or track where you know your roadside will come too.

If an off road gazetted track is accessible by the main roadside assistance providers why would someone covered by them need to get their vehicle back to a sealed road before accessing their service?

They wouldn't, but i would be 100% crystal clear in understanding where they will and wont come before you rely on your roadside assistance policy to come and get you anywhere that is gazetted. Example, you're bogged on the sand with a rising tide on Fraser Island - will your roadside assistance provider come and get you? They may well will - my advice is that you take the time to study their wording in detail and become as comfortable as possible with what they will do for you.

Cheers

Kal

Club 4x4
3rd April 2016, 08:04 PM
Sorry Cuppa, the above didn't display the way i wanted - hopefully the layout can be understood. Sorry.

Cuppa
3rd April 2016, 09:16 PM
Dunno about other states but that is not the case with RAC.

You have to be within 'x' kilometres of the service centre IE town.
The 'x' depends on the level of cover but highest is, I think, 100 K's and the 'road' has to be 2WD IE they won't go and hire a specialist to come get you.

I think they call it 'non-guaranteed service' and it means if you are not on a 2WD road they will help you source assistance but you have to pay for it
In WA that is, you guessed it, most of WA

From the RAC PDS....

Trafficable Road
means any public or private road, which is
designed for, and is in a suitable state to facilitate, the movements
of a two-wheel drive motor vehicle without restriction.


Un-constructed Surface
means an unsealed or
un-constructed surface which is not trafficable by a two wheel
drive vehicle.

Un-constructed Surfaces and non Trafficable Roads:
Breakdowns which occur on Un-constructed Surfaces or
non Trafficable Roads will be attended at the discretion of
the RAC or RAC Contractors, with any excess cost payable
by the Member at the time of service.

Bogged Vehicles:
Vehicles bogged on an Un-constructed
Surface or non Trafficable Road will be attended at the
discretion of the RAC. The time spent in recovery of bogged
Vehicles and/or equipment used in such a recovery is
payable by the Member to the RAC or the RAC Contractor
at the time of service. The cost of travelling to the Vehicle is
covered by the Roadside Assistance Package to the extent
of the applicable distance limits. The Member is responsible
for paying any excess cost at the time of service. Service
does not extend to a Vehicle that has been damaged as the
result of being bogged.

Out on the Great Central I had to provide Credit Card info up front before the truck would leave Yulara.
No CC or no Cash then no Flat bed

Yep, I just looked at RACV which is similar but less detailed. No mention of Gazetted roads - just similarly 'trafficable to 2wd vehicles'.
Service will be provided on
private property or on any
public highway in Victoria,
provided they are trafficable
to normal two wheel drive
vehicles. This excludes areas
such as open fields, beaches,
creek beds, recreation ovals,
logging or forest service
roads and roads which do
not allow oncoming traffic
to safely pass.

Of course they have reciprocal arrangements with interstate RAC's, & I know that recovery is determined often by the type of vehicle the local operator has. Eg. We had our bus recovered (& costs covered) on the back of a tow truck & covered by the RACV in the NT even though it was over the weight limit, because the local operator's truck was suitable - however this certainly cant be relied on, so it seems there are greater limitations on RAC(V) cover than I had thought. A difference (maybe) with RACV is that if you are in a location they will come to, & are more than 100kms from home they will cover your towing costs to the nearest repairer regardless of distance. So if I broke down in the middle of the Birdsville Track I'd expect they would come out to me because it is trafficable to 2wd vehicles, but many desert tracks man not be considered so.

Club 4x4
2nd May 2016, 03:56 PM
66586


G'day all,

Been a while since i've been on here, but thought i'd check in and let you all know that we have launched a new competition today!

We will be giving away 5 47L ARB Fridge Freezer combos to anyone who likes us on Facebook and completes a quote. No obligation to continue, just a quote. You never know - you may be surprised and actually switch over :tongue:

And because we're a nice bunch, if you're lucky enough to already have a policy with us - just go through the link below, hit like on our Facebook then enter you policy number in the quote number box.

It's that simple!

Here's (http://w.heyo.com/71eae0) the link!

Winnie
2nd May 2016, 04:05 PM
Nice, just entered. I already liked the page though :P

lucus30
2nd May 2016, 04:22 PM
Just entered also


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Sir Roofy
2nd May 2016, 04:42 PM
That would look good in our wagon just what
the doctor orded

Club 4x4
2nd May 2016, 04:46 PM
Good stuff guys! Just remember you have to go through the link and enter all the information as well as click the Facebook like button to enter!


Sent from my iPhone using Tapatalk

lucus30
2nd May 2016, 05:22 PM
Good stuff guys! Just remember you have to go through the link and enter all the information as well as click the Facebook like button to enter!


Sent from my iPhone using Tapatalk

I used my old quote number rather than my policy number will that matter ?

Woof
2nd May 2016, 05:49 PM
Just got a quote and the most you will insure my 2006 Patrol GU ST 4.2 is 29,500, no where near enough mate
My current insurance company has covered it for $45,000

Club 4x4
2nd May 2016, 06:29 PM
Just got a quote and the most you will insure my 2006 Patrol GU ST 4.2 is 29,500, no where near enough mate
My current insurance company has covered it for $45,000

:-). We've insured GU's for double that amount!

Is that just the truck or is it the truck with modifications and accessories?

Club 4x4
2nd May 2016, 06:29 PM
I used my old quote number rather than my policy number will that matter ?

No drama at all it will all be cross referenced in the system.

lucus30
2nd May 2016, 06:35 PM
Just got a quote and the most you will insure my 2006 Patrol GU ST 4.2 is 29,500, no where near enough mate
My current insurance company has covered it for $45,000

Yeah they normally ring you. I'm sure They will cover you for 45k easily mate.

A guy I know has had a claim and were apparently very easy to deal with and payed out straight away

Woof
2nd May 2016, 06:51 PM
:-). We've insured GU's for double that amount!

Is that just the truck or is it the truck with modifications and accessories?

Just a wagon with a 2" suspension lift, since then I have spent over $5,000 on it that includes barwork all round and a new exhaust system, it now has 106,000 ks on it only had 85,000 ks when I bought it 10 months ago

Club 4x4
2nd May 2016, 06:53 PM
Just a wagon with a 2" suspension lift, since then I have spent over $5,000 on it that includes barwork all round and a new exhaust system, it now has 106,000 ks on it only had 85,000 ks when I bought it 10 months ago

Cool. Well the way we do it is we get to the value off the truck. You can choose market or agreed within the applicable ranges. Then you tell us what your mods and accessories are worth.

We add both together and that is your sum insured.

Did you do that in the quoting system?

Woof
2nd May 2016, 07:15 PM
Maybe missed something, will try again, thanks mate

Club 4x4
2nd May 2016, 07:18 PM
Maybe missed something, will try again, thanks mate

Mate no worries. If you prefer, pm me your phone number and a suitable time and I'll get one of the team to give you a call.

Woof
2nd May 2016, 07:28 PM
Mate no worries. If you prefer, pm me your phone number and a suitable time and I'll get one of the team to give you a call.

Just tried again and this came up....We can insure the vehicle for an agreed value between $24600 and $29520, will PM you my number

Club 4x4
2nd May 2016, 07:29 PM
Just tried again and this came up....We can insure the vehicle for an agreed value between $24600 and $29520, will PM you my number

Yep that's right. Then the next question asks you to nominate the value of your mods and accessories.

Anyway all good will wait for your PM and get one of the team to call you.

BSRT.Beast
19th May 2016, 08:05 PM
Love the insurance very happy with the product as whole....... except the fact you use National Windscreens as your glass replacement company.
3 times I've had them out to fix my Patrol after fitting a windscreen and rubber and I'm still not happy with the job.

Plasnart
19th May 2016, 08:54 PM
Love the insurance very happy with the product as whole....... except the fact you use National Windscreens as your glass replacement company.
3 times I've had them out to fix my Patrol after fitting a windscreen and rubber and I'm still not happy with the job.

Not good. When I got mine done I got a quote off a big name and nearly fainted. A local company quoted less than half the price including rubbers, came to me and literally pumped silicone like there was no tomorrow! Very happy with that job, never leaked.

BSRT.Beast
20th May 2016, 08:24 AM
Mines still leaking ..... unsure where from as its still mid rebuild but after putting down new underlay and vinyl and fixing a rust hole I found a puddle under the new flooring.

And then there's the roof lining that wasn't put back in the corners at all and when they came to fix it they said the lining had shrunk and jammed the lining sort of in and said thats the best they can do.

Club 4x4
20th May 2016, 08:34 AM
BSRT.Beast - i'm really sorry to hear this - this sort of repair work is unacceptable in my eyes.

Assuming this is a repair from a glass claim through us, please send me through your name, rego number, claim number (if you still have it) and i want to get this sorted for you ASAP.

I'll await your contact

Kalen

macca
20th May 2016, 01:07 PM
:offtopic: Apologies

Had a leak in mine and finally tracked it down to the push plug thingies that hold the panel to the firewall, the one the wiper shafts come through.

Had a windscreen replace while I wasn't here and he must of had a job to get it off because of the silicon at each plug, he put it all together and first rain it leaked.

Re-applied the silicon and all is sealed again. Would have thought he would have done a better job as it must be common.

Club 4x4
20th May 2016, 01:28 PM
Hey Macca,

Was that a glass claim through us?

Cheers

macca
20th May 2016, 02:12 PM
Hey Macca,

Was that a glass claim through us?

Cheers

No mate, thats why I put "off topic"

But I am moving over to you just before our next trip to the centre and taking the 15K recovery offer.

Jackson has been looking after our policy and he is very good to deal with.

Going to wipe the 6 weeks left on our existing policy to get the better cover you offer.

the evil twin
20th May 2016, 02:21 PM
:offtopic: Apologies

Had a leak in mine and finally tracked it down to the push plug thingies that hold the panel to the firewall, the one the wiper shafts come through.

Had a windscreen replace while I wasn't here and he must of had a job to get it off because of the silicon at each plug, he put it all together and first rain it leaked.

Re-applied the silicon and all is sealed again. Would have thought he would have done a better job as it must be common.

It's called the Scuttle Panel (amongst other more profane things) and it is almost always guaranteed to leak on the Pax footwell if the Windscreen dude isn't experienced with Patrols.

The source is usually from the Scrivet type fasteners...

Sorry for the 'jack

macca
20th May 2016, 03:16 PM
Yes ET it was the passenger side too. Screvit, thats the word. Thanks

jay see
20th May 2016, 04:01 PM
Good to see these guys are on the ball.👍

Sent from my XT1033

BSRT.Beast
21st May 2016, 03:50 PM
As I haven't driven the vehicle since the install haven't even started it I'm unsure where the leak is from but i used to see it dripping down the a pillar
and also saw it a few times come through the rear view mirror, It was the original rubber not now.

My main concern though is the roof lining the parts going down the a pillar weren't put at all then they came back and sort of jammed them in
and done an absolute terrible job and have also torn the corners of the lining.
The installers said its not my fault the roof lining on GQ's shrink that''s the best I can do.

I struggle with confrontation so just left it, but after a lot of thought I've decided I'm not happy with the that''s the best I can do attitude,
since I'm removing every stone chip, scratch and dent and redoing all the flooring and half the electrics,
I believe I shouldn't have to put up with a shoddy job and piss poor excuses.

I know my roof lining wasn't perfect before but it didn't have tears in the front corners and fitted well.

Sorry for the long winded post :p

Club 4x4
23rd May 2016, 07:08 AM
Morning Colin,

Really sorry to hear this and as you know i'm getting the team onto it today. You may get a call just to understand a bit more about what's been going on. The repairer will definitely be getting a call.

My advice with these sorts of things is ALWAYS give us a call. If you're not getting what you need out of a repairer we need to know about it - we will confront them for you mate that's what were here for.

The worst that can happen is we investigate and the answer is nothing more can be done, but that way you can get some sort of resolution rather than it lingering around in the back of your head.

Stay tuned.

Kalen

BSRT.Beast
5th June 2016, 06:39 PM
Just wanted to say thanks for your help Kalen.
I'll be going down to see the windscreen guys this week and leaving my rig with them for the day so they can refit everything right.

Hopefully the roof lining will look as good as the rest of the car.

67304

mudski
5th June 2016, 10:36 PM
Who does your windscreen repairs Kalen?
Mine needs to be replaced after copping a stone from a truck on the freeway this morning. Scared the shite out of me too. As i though some little turd was dropping stones from the over pass. But it was the truck in front litterally dropping half his load over the road.

Sent from my GT-N7105T using Tapatalk

Club 4x4
6th June 2016, 07:19 AM
Just wanted to say thanks for your help Kalen.
I'll be going down to see the windscreen guys this week and leaving my rig with them for the day so they can refit everything right.

Hopefully the roof lining will look as good as the rest of the car.

67304

Morning,

No problems, I did get informed of the rectification activity that was happening with your truck last week. Glad the repairer took responsibility for their actions.

I do apologise it took so long. As always, my advice is, if you're not happy with repair work, please sing out. Here, on Facebook, on the phone, via email etc. It's critical that we hear about how we can do things better.

Please let me know how you go once they've had a shot at the fix.

Kal

Club 4x4
6th June 2016, 07:27 AM
Who does your windscreen repairs Kalen?
Mine needs to be replaced after copping a stone from a truck on the freeway this morning. Scared the shite out of me too. As i though some little turd was dropping stones from the over pass. But it was the truck in front litterally dropping half his load over the road.

Sent from my GT-N7105T using Tapatalk

Morning Mudski,

Must've been a hell of a rock for you to suspect it was being thrown from an overpass. Glad you're OK regardless mate.

Repairers are chosen based on where you are located. Can I get one of the team to give you a call and lodge your Glass claim? Let me know a time and a number they can call you on.

Cheers

Kal

mudski
6th June 2016, 02:51 PM
Morning Mudski,

Must've been a hell of a rock for you to suspect it was being thrown from an overpass. Glad you're OK regardless mate.

Repairers are chosen based on where you are located. Can I get one of the team to give you a call and lodge your Glass claim? Let me know a time and a number they can call you on.

Cheers

Kal
We have had a few reports of kids dropping handfuls of rocks from the overpass near me. Luckily not big rocks or bricks, but dangerous none the less.
Upon close inspection ive lost a headlight cover too from a rock. Lucky i had the covers...
Ill get in contaact with you guys via email if you wish in the coming week or so. Got a crap load on at the moment, the ding is on the left of the windscreen so its no big issue visual wise, and the Patrol doesnt get driven much...

Cheers.
Mark.

Sent from my GT-N7105T using Tapatalk

Club 4x4
6th June 2016, 03:04 PM
G'day Mark, Fair enough.

Whenever you're ready, its easier and quicker to do it over the phone. So i can get one of the team to give you a call or give us a tingle on 1800 CLUB 4X4.

Cheers

Kal

Woof
15th June 2016, 04:20 PM
Big thanks to Kal and crew...................got myself some new insurance, more coverage and cheaper

Club 4x4
15th June 2016, 04:57 PM
Big thanks to Kal and crew...................got myself some new insurance, more coverage and cheaper

Nice one! Glad to have you on board!!


Sent from my iPhone using Tapatalk

Winnie
15th June 2016, 05:49 PM
So when are you guys going to call me to tell me I won the Engel comp you were running?

Club 4x4
15th June 2016, 05:52 PM
So when are you guys going to call me to tell me I won the Engel comp you were running?

Unlikely. It's an ARB fridge :-). Still got until the 30th to enter everyone!!


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Winnie
15th June 2016, 05:55 PM
Unlikely. It's an ARB fridge :-). Still got until the 30th to enter everyone!!


Sent from my iPhone using Tapatalk
Haha, whoops! Alrighty then I will just keep waiting by the phone I guess.

mudski
15th June 2016, 08:11 PM
Got the windscreen done yesterday. All was easy with C4x4. Just rang them up, told them about the windscreen and they did the rest. Too easy. Thanks C4x4!
Fitter was done in less than half an hour, my only gripe is they could have cleaned up their mess. Left broken glass through the inside front of the car. And they totally rooted the lower windscreen seal. So $160 later I have a new one to put in. Buuut, it was an old seal.... Not so much of a big deal though, a good excuse to remove the plenum cover and sand out the rust and paint it all.

Club 4x4
16th June 2016, 06:25 AM
Got the windscreen done yesterday. All was easy with C4x4. Just rang them up, told them about the windscreen and they did the rest. Too easy. Thanks C4x4!
Fitter was done in less than half an hour, my only gripe is they could have cleaned up their mess. Left broken glass through the inside front of the car. And they totally rooted the lower windscreen seal. So $160 later I have a new one to put in. Buuut, it was an old seal.... Not so much of a big deal though, a good excuse to remove the plenum cover and sand out the rust and paint it all.

Gday Mark,

Care to send me through some photos of the mess they left so i can feed that back to management at the supplier?

Also, i'm not sure why you were up for the cost of the seal replacement?

Please, send me through all the photos you can mate.

Kal

mudski
16th June 2016, 08:41 AM
Gday Mark,

Care to send me through some photos of the mess they left so i can feed that back to management at the supplier?

Also, i'm not sure why you were up for the cost of the seal replacement?

Please, send me through all the photos you can mate.

Kal

Ahh sorry I had cleaned up the glass... The rubber that they broke, it was the original rubber on there, so its 15 years old, and gone pretty hard. For them to NOT have ruined the rubber they would have had to remove it and this took me about half an hour to do as the plastic screws holding the plenum cover, which sits over this lower rubber were a right PIA to remove without breaking.
I'm not too fussed to be honest about the rubber, yeah it could have been avoided maybe, but the fitter needs to keep a portable vacuum cleaner with him I think. If I didn't see the small fragments of glass all through the sheepskin seat covers. sitting on it might have been a bit painful.

I wish all insurers were you like you guys. Most just don't give a stuff. Yet another thing that what makes C4x4 stand out from the others.

67580

Club 4x4
16th June 2016, 09:02 AM
Ahhh ok i see, so you removed the seal yourself before they arrived...

Mate the feedback is important and i will ensure management at the provider see's your feedback about the glass. We are about helping at a time of need, not creating more issues.

Cheers

mudski
16th June 2016, 11:46 AM
Ahhh ok i see, so you removed the seal yourself before they arrived...

Mate the feedback is important and i will ensure management at the provider see's your feedback about the glass. We are about helping at a time of need, not creating more issues.

Cheers

No I hadn't. I removed it after they fitted the new screen, as the old one got damaged in fitment of the new screen, to replace the one pictured.

Club 4x4
22nd July 2016, 09:36 AM
G'day Everyone, i know not everyone likes Facebook, so i thought i'd share our latest blog post here. Cheers

http://www.club4x4.com.au/a-guide-to-unsealed-road-safety/

mudski
22nd July 2016, 10:04 AM
40 in your convoy. Wow! That makes for some slow traveling. Good right up though. Thanks...

Club 4x4
22nd July 2016, 10:06 AM
40 in your convoy. Wow! That makes for some slow traveling. Good right up though. Thanks...

It was slow going, but I guess that's the point! It's about taking in the journey :-)


Sent from my iPhone using Tapatalk

Club 4x4
15th August 2016, 11:02 AM
G'day guys,

Not sure if anyone has noticed but we are running another competition - this time giving away 1 of 5 Hema Navigators.

All you have to do is click the link, enter your details and a quote number for your insurance. You can also enter your policy number (why should you be penalised if you're already a customer!)

It is a Facebook based competition and i know not everyone likes or uses Facebook, but thought i'd share anyway.

HERE'S THE LINK (http://s.heyo.com/644828)

Cheers and good luck!

Kalen

mudski
21st August 2016, 05:37 PM
I didn't see you guys at the show. Thought you would have been there for sure. I saw Club Marine....

Club 4x4
21st August 2016, 07:07 PM
I didn't see you guys at the show. Thought you would have been there for sure. I saw Club Marine....

Hey mate

We didn't exhibit this year unfortunately. But we were down there checking it out to make a decision about doing so next year :-)

Kal

mudski
21st August 2016, 08:53 PM
Hey mate

We didn't exhibit this year unfortunately. But we were down there checking it out to make a decision about doing so next year :-)

Kal

Yeah bummer. I was hoping to see you and say hi. Next year maybe ay!

Club 4x4
23rd August 2016, 09:09 AM
Morning all,

I thought i would jump on here and let everyone know that today we re-launched our Caravan and Camper Trailer product - covering Caravans, Camper Trailers, Slide on Camper and 5th Wheelers.

We've added some great coverage items including our Laid Up Cover, which allows you to nominate certain seasons in the year where you know you wont be using the trailer and would take a limited coverage for a cheaper premium, along with our Breakdown and Accident towing cover - removing the uncertainty around who covers the cost of towing the van if the tow vehicle is damaged or broken down.

Plenty more including a 10% multi-policy discount if you couple the product with the best 4X4 Insurance product on the market! We've also launched our new quoting website which allows you to quote both your tow vehicle and trailer at the same time - simplifying this and making the process of getting a price easier :-)

Click here (http://www.club4x4.com.au/recreational-insurance-product-update/)to read more

If you have any questions feel free to contact us on 1800 CLUB 4X4

Cheers

Kalen

71Bogan
23rd August 2016, 09:45 AM
Hi Kalen

At the end of June we took out cover for our Patrol and Camper trailer, taking advantage of the 10% discount for multiple policy (approx $900 for Patrol and $520 for trailer)
Out of curiosity i just ran thru the quote process for the camper trailer to see if there was any difference with the re-launch.
Entering all of the same details for the camper trailer (not taking into account any discount for multiple policy) the premium now shows at $120 for the year.

The policy is in my wife's name so i cant just call and inquire against it. If i send you our policy number are you able to check because a $400 difference seems extreme.

cheers
John

bazzaboy
23rd August 2016, 10:06 AM
Question ..........

I own two vehicles, one for daily use, and my 2014 Patrol for holidays and occasional weekend trips. As I am now retired and on a set income, holidays & trips needed to be well planed and funded for. My Patrol's insurance will soon be due and I'll be looking for a good price.

What I want may not exist .... reduced price for reduced use, equals reduced risk.

Does Club 4X4 offer a reduced price for those people that only use their 4WD less frequently than the annual average? Since retiring and buying a second vehicle, I estimate my 4WD will only travel between 5 - 6 thousand K's per year and while not in use, be parked in a locked garage with someone home most of the time. Having worked for an insurance company for 35 years, I am well aware that perceived "risk" is the driving factor in determine costs ( also profits for shareholders ), surely the situation I describe warrants a reduced price due to the reduced risk.
Is this something that Club 4X4 offers?

Bazza

Club 4x4
23rd August 2016, 10:09 AM
Hi Kalen

At the end of June we took out cover for our Patrol and Camper trailer, taking advantage of the 10% discount for multiple policy (approx $900 for Patrol and $520 for trailer)
Out of curiosity i just ran thru the quote process for the camper trailer to see if there was any difference with the re-launch.
Entering all of the same details for the camper trailer (not taking into account any discount for multiple policy) the premium now shows at $120 for the year.

The policy is in my wife's name so i cant just call and inquire against it. If i send you our policy number are you able to check because a $400 difference seems extreme.

cheers
John

G'day John, Can you Pm me your policy number and i'll have the team do some investigation for me.

Winnie
23rd August 2016, 10:16 AM
I just tried to do an online quote for my camper trailer and I got to the part where you enter the driver's details, and could not proceed any further.
I will try it off my PC at home tonight but this was on my work PC using Google Chrome.

Club 4x4
23rd August 2016, 10:21 AM
I just tried to do an online quote for my camper trailer and I got to the part where you enter the driver's details, and could not proceed any further.
I will try it off my PC at home tonight but this was on my work PC using Google Chrome.

G'day Winnie - we've had reports of some slight issues on Android but not Chrome.

Would you mind trying it on Explorer? In the meantime i will forward this on to our developers as feedback.

Sorry about that

Club 4x4
23rd August 2016, 10:30 AM
Question ..........

I own two vehicles, one for daily use, and my 2014 Patrol for holidays and occasional weekend trips. As I am now retired and on a set income, holidays & trips needed to be well planed and funded for. My Patrol's insurance will soon be due and I'll be looking for a good price.

What I want may not exist .... reduced price for reduced use, equals reduced risk.

Does Club 4X4 offer a reduced price for those people that only use their 4WD less frequently than the annual average? Since retiring and buying a second vehicle, I estimate my 4WD will only travel between 5 - 6 thousand K's per year and while not in use, be parked in a locked garage with someone home most of the time. Having worked for an insurance company for 35 years, I am well aware that perceived "risk" is the driving factor in determine costs ( also profits for shareholders ), surely the situation I describe warrants a reduced price due to the reduced risk.
Is this something that Club 4X4 offers?

Bazza

Hi Bazza,

The idea of launching a "limited use" coverage is one that is in the pipeline, but not available at the moment.

Stay tuned.

Cheers


Kalen

Elz
26th August 2016, 04:52 PM
Hey Kalen,

This thread has been a really interesting read. My current insurance is up soon and i'm doing the usual hunt for a new deal.

Wondering where you guys sit with this situation...

I've got 2 sets of tires, a set of 32" BFG KO2's and set of 35" BFG KM2's.
I use the 35" when doing some of the more hardcore tracks but more often than not, I'm on the 32's. The patrol isn't my daily driver, it sits in the carport unless i'm going out 4wding.

Obviously no insurance will cover me for incidents on road with 35"s, that's fair enough.
My question is, would I be covered with Club 4x4 if my rig was stolen from my carport while sitting on the 35"s? I don't always change back to the 32"s after every hard weekend on the tracks but i want to have the piece of mind that I will be covered if the rig is stolen or somehow damaged while in my carport.

Also, would I be insured while using the 35"s off road? Lets say a river crossing in the High Country goes bad or a rollover happens. Am i covered then? I ask because we all know bigger tires improve off-road performance, they are a benefit while off road, would I be covered in the event of a single vehicle indecent while off road?

I live in Victoria where 35"s are not road worthy even with an engineer cert. Sadly that's the law for a vehicle on the road but its the off-road use i'm interested in.

One last side question, do you cover damage caused by contaminated fuel? (I seen you posted a link to Facebook a while ago but i couldn't find the post on your fb page)

Look forward to hearing from you mate

Club 4x4
29th August 2016, 11:24 AM
Hey Kalen,

This thread has been a really interesting read. My current insurance is up soon and i'm doing the usual hunt for a new deal.

Wondering where you guys sit with this situation...

I've got 2 sets of tires, a set of 32" BFG KO2's and set of 35" BFG KM2's.
I use the 35" when doing some of the more hardcore tracks but more often than not, I'm on the 32's. The patrol isn't my daily driver, it sits in the carport unless i'm going out 4wding.

Obviously no insurance will cover me for incidents on road with 35"s, that's fair enough.
My question is, would I be covered with Club 4x4 if my rig was stolen from my carport while sitting on the 35"s? I don't always change back to the 32"s after every hard weekend on the tracks but i want to have the piece of mind that I will be covered if the rig is stolen or somehow damaged while in my carport.

Also, would I be insured while using the 35"s off road? Lets say a river crossing in the High Country goes bad or a rollover happens. Am i covered then? I ask because we all know bigger tires improve off-road performance, they are a benefit while off road, would I be covered in the event of a single vehicle indecent while off road?

I live in Victoria where 35"s are not road worthy even with an engineer cert. Sadly that's the law for a vehicle on the road but its the off-road use i'm interested in.

One last side question, do you cover damage caused by contaminated fuel? (I seen you posted a link to Facebook a while ago but i couldn't find the post on your fb page)

Look forward to hearing from you mate

G'day Elz,

Will try to answer all of your questions.

Like any insurer, we put the onus around legality of modifications in the hands of the policyholder/owner of vehicle. To me it sounds like you have a solid grasp on the legalities so i will leave that bit alone. The general view is that if an illegal modification is fond to have contributed to any claim, the claim may be reduced to declined. It's important to note that there is nothing distinguishing the treatment regardless of whether a claim occurs on a sealed road or dirty road/track.

In terms of theft you would be fine as the mods can't contribute to that (other than making it more attractive to thieves!)

I can confirm that Fuel Contamination is certainly something we cover - i believe this is the article you were looking for!http://www.club4x4.com.au/news-update-contaminated-fuel/

Hope that helps mate - please keep the conversation going

macca
29th August 2016, 07:53 PM
We have this insurance, but unfortunately also have had to make a claim.
Sent all we were asked for then heard nothing, just wanted to know it was received. We have no idea how it is going which would be nice.
Another email was sent that was replied to thankyou, it confirmed the information was in fact received.
Lacking experience in making a claim like this so not sure whether to pester you for a progress report or not?
We can not say this has been a pleasant experience for us but will continue to be patient.
Some blunt questions need to be asked, accepted, it's still not easy to be put on a spot as if we are trying to be fraudulent.
It's hard reading all the positives here, it's when a claim is made that the true test of the fine print is revealed.
We wait to hear from you.
Yours Iain & Pauly Maclean

Club 4x4
29th August 2016, 08:04 PM
We have this insurance, but unfortunately also have had to make a claim.
Sent all we were asked for then heard nothing, just wanted to know it was received. We have no idea how it is going which would be nice.
Another email was sent that was replied to thankyou, it confirmed the information was in fact received.
Lacking experience in making a claim like this so not sure whether to pester you for a progress report or not?
We can not say this has been a pleasant experience for us but will continue to be patient.
Some blunt questions need to be asked, accepted, it's still not easy to be put on a spot as if we are trying to be fraudulent.
It's hard reading all the positives here, it's when a claim is made that the true test of the fine print is revealed.
We wait to hear from you.
Yours Iain & Pauly Maclean

Macca.

This is a very serious situation and I appreciate you bringing it up.

Can you please message me your claim number and I will chase it up with urgency and ensure you get a call tomorrow

Thank you

Kalen


Sent from my iPhone using Tapatalk

macca
29th August 2016, 09:56 PM
Macca.

This is a very serious situation and I appreciate you bringing it up.

Can you please message me your claim number and I will chase it up with urgency and ensure you get a call tomorrow

Thank you

Kalen


Sent from my iPhone using Tapatalk

Kalen has been good enough to get in touch with me, we are communicating in private and hope to get some answers over the next few days.

Communication lines might open up a little more now, that is all that can be reasonably asked for.

Please understand my dealings with this company have be fantastic and after my experience with their sales rep I sang their praises to our local 4x4 club which I am president of.

I have no reason at this point in time to change my opinion.

jay see
30th August 2016, 10:14 AM
Must say I'm a little disappointed.

I did an online quote last week as my current insurance is up for renewal.
Did the right thing and disclosed all previous damage. Some of you would know what that is dent in the door and broken rear tail light surround, light still works.

Apparently the underwriter has declined to cover my vehicle due to this damage.

I understand where they're coming from, but to not insure it at all. I would have thought that as long as it's disclosed it would have been OK, but apparently not..

Sent from my XT1068 using Tapatalk

Elz
30th August 2016, 12:20 PM
Thanks for getting back to me so quickly mate.

That's good to hear about the theft side of things, definitely puts the mind at rest. (Haha your not wrong about the rig looking good on the 35"s)

Also great to hear about the contaminated fuel, a lot of other insurers I've spoken to are very vague on the subject.
Would you require the receipt from the fuel station in-order to pursue the claim against them?


Just to clarify a few things, so having a potentially "unroadworthy" mod fitted doesn't automatically void the insurance. The mod must be proven to have contributed to the indecent.

E.G: If I had an EGR blanking plate fitted, but was then involved in an accident, it cannot be claimed/proved that the ERG blanking plate contributed to the accident. I would remain covered by insurance.

Is that correct?

Another E.G: I have 35" tires fitted to the rig, I am stopped at traffic lights and another vehicle hits me from behind (no doubt smashing the front of their car into my steel rear bar, sucks to be them). As I am stationary and the incident cannot be attributed to my vehicle, I would be fully covered by my insurance?

The off-road cover side of things; lets say I become bogged on a beach, hypothetically of course, its a Patrol we never get bogged.. ;) The worst possible thing occurs, the tide comes in and my vehicle is written off.

I would obviously argue that the mod improved the capability of the vehicle to traverse the terrain, so could not be blamed for the incident.

Would I have issues with my claim because of the 35"s in this case?

Sorry for all the hypothetical questions, I gather that every claim will be judged individually. I just want to get an idea of how Club 4x4, as a specialized off road insurer, would deal with off road claims that may involve "unroadworthy mods".

gubigfish
30th August 2016, 12:48 PM
I recently asked for a quote and was told I would be contacted by someone and as yet have not had anyone from Club 4x4 contact me.

jay see
30th August 2016, 12:53 PM
I recently asked for a quote and was told I would be contacted by someone and as yet have not had anyone from Club 4x4 contact me.
Give it a few days mate, they'll get there or call them yourself and quote your quote number.

Sent from my XT1068 using Tapatalk

Club 4x4
31st August 2016, 01:28 PM
Hi Jay See,

Apologies that you've found yourself in this situation. Every insurer has criteria that they abide by and this is just one of ours.

Without trying to crawl out of it, I've worked for various insurers in my time and the overwhelming majority would be in the same boat. Some may not ask up front but you may get a shock when you need to claim.

Cheers

Club 4x4
31st August 2016, 01:49 PM
Elz,

No problem.

Regarding the fuel contamination, yes the first step would be to provide some sort of proof that fuel was purchased from the given outlet. The next step will be to ascertain that the damage is actually as a result of fuel contamination. This will require assessment by a mechanic and our own engineers.

With reference to your hypothetical questions - i can understand exactly what you're asking and what you're after.

I need to be very careful however in the way that i answer these Elz as i don't want anyone to get the misconception that we endorse illegal modifications, nor do i want to give the impression that regardless of what one does to a vehicle, legal or not, there will be a provision of coverage regardless of the scenario. Every case is dealt with in it's own merits, but as a general rule as i said in the last post, if it is found that the vehicle was not roadworthy in its modifications and those modifications could have contributed to the incident then it will be a refusal or reduction of acceptance of claim.

The above thoughts are relevant to both your comprehensive vehicle insurance and your off-road recovery cover

hoping this helped.






Thanks for getting back to me so quickly mate.

That's good to hear about the theft side of things, definitely puts the mind at rest. (Haha your not wrong about the rig looking good on the 35"s)

Also great to hear about the contaminated fuel, a lot of other insurers I've spoken to are very vague on the subject.
Would you require the receipt from the fuel station in-order to pursue the claim against them?


Just to clarify a few things, so having a potentially "unroadworthy" mod fitted doesn't automatically void the insurance. The mod must be proven to have contributed to the indecent.

E.G: If I had an EGR blanking plate fitted, but was then involved in an accident, it cannot be claimed/proved that the ERG blanking plate contributed to the accident. I would remain covered by insurance.

Is that correct?

Another E.G: I have 35" tires fitted to the rig, I am stopped at traffic lights and another vehicle hits me from behind (no doubt smashing the front of their car into my steel rear bar, sucks to be them). As I am stationary and the incident cannot be attributed to my vehicle, I would be fully covered by my insurance?

The off-road cover side of things; lets say I become bogged on a beach, hypothetically of course, its a Patrol we never get bogged.. ;) The worst possible thing occurs, the tide comes in and my vehicle is written off.

I would obviously argue that the mod improved the capability of the vehicle to traverse the terrain, so could not be blamed for the incident.

Would I have issues with my claim because of the 35"s in this case?

Sorry for all the hypothetical questions, I gather that every claim will be judged individually. I just want to get an idea of how Club 4x4, as a specialized off road insurer, would deal with off road claims that may involve "unroadworthy mods".

Club 4x4
31st August 2016, 01:50 PM
I recently asked for a quote and was told I would be contacted by someone and as yet have not had anyone from Club 4x4 contact me.

Hey Gubigfish. Sorry about the delay - if you still haven't had a call please message me your details and i get the guys to put you at the front of the queue.

We are currently recruiting and hopefully putting on 2 or 3 new staffers in the next week or two.

Cheers

Winnie
31st August 2016, 02:01 PM
I've been meaning to call you guys to take you up on your camper trailer insurance. I managed to get an online quote and it was cheaper than I thought it would be.
Just need to find the time.

Elz
1st September 2016, 12:21 AM
Thanks mate,

Completely understand where your coming from, thats totally fair enough.

I will submit an application for a quote and go from there. Looking forward to seeing what Club 4x4 can offer.

Ps this has been my most interesting conversation about insurance to date! (not hard to understand why lol)



Elz,

No problem.

Regarding the fuel contamination, yes the first step would be to provide some sort of proof that fuel was purchased from the given outlet. The next step will be to ascertain that the damage is actually as a result of fuel contamination. This will require assessment by a mechanic and our own engineers.

With reference to your hypothetical questions - i can understand exactly what you're asking and what you're after.

I need to be very careful however in the way that i answer these Elz as i don't want anyone to get the misconception that we endorse illegal modifications, nor do i want to give the impression that regardless of what one does to a vehicle, legal or not, there will be a provision of coverage regardless of the scenario. Every case is dealt with in it's own merits, but as a general rule as i said in the last post, if it is found that the vehicle was not roadworthy in its modifications and those modifications could have contributed to the incident then it will be a refusal or reduction of acceptance of claim.

The above thoughts are relevant to both your comprehensive vehicle insurance and your off-road recovery cover

hoping this helped.

Club 4x4
1st September 2016, 08:41 AM
Thanks mate,

Completely understand where your coming from, thats totally fair enough.

I will submit an application for a quote and go from there. Looking forward to seeing what Club 4x4 can offer.

Ps this has been my most interesting conversation about insurance to date! (not hard to understand why lol)

Thanks Elz,

We aren't all cardigan wearers after all :animierte-smilies-t

mate you can get a quote online (just be mindful if the vehicle is heavily modified it will require call centre intervention) or simply call us on 1800 CLUB 4X4 - 9-5 AEST (for the moment)

Cheers

bazzaboy
6th September 2016, 06:51 AM
Elz,

Having worked for an insurance company for over 35 years I have become aware of some 4WD claim refusals. One of the most common 4WD claims refusals was legal tyre sizes. One in particular comes to mind of an older 4WD ( GQ I think ) with 35inch tyres, which was hit from behind at a set of lights by a prime mover. The damage to the 4WD was extensive enough to right it off. This claim was refused because it was considered "an un-roadworthy vehicle, fitted with illegal sized tyres", and therefor should not have been driven on the road.
I far as I remember at that time, after it went to court, the damage claim was never paid on the 4WD and the prime mover's insurance was chasing the 4WD owner for the recovery of the funds they paid out.
My point is this ..... no insurance company is your friend, and if an insurance company do'nt pay out and the whole thing goes to court, if your 4WD is illegal in any way.... you will lose.

Club 4x4
6th September 2016, 07:41 AM
Morning all,

Firstly, Bazza - some interesting points made there from someone experienced in the game. I guess it just pays to ensure your vehicle is legal - from a policing standpoint and insurance too.

Secondly, i am on the lookout for a stock GU to use in our upcoming marketing campaigns. It has to be stock, in particular, with no front bar, and most preferably white.

Hoping for a later model one 2010 onwards. A $100 cash card to whoever gets selected.

Show me what you've got guys - some full front shots would be great.

Cheers

Elz
6th September 2016, 11:12 AM
Thanks Bazza,

Really interesting to get insight from someone with relevant industry experience.

You have reaffirmed my thought process on these matters. Mainly that any insurance company will look for "outs" in the event that they are faced with a claim. Its fair enough i guess, its a business after all.

I would love to hear from anyone who has experienced the other side of the coin, i.e having a claim paid out with "illegal mods" fitted. Interested in tires, bigger lifts, anything really, even EGR blanking plates!
Direct experience please, not the classic, my mates, sisters, friend knows a guy who.... :)

On another note,

I did get a quote form Club 4x4, but i find it ridiculously exorbitant. $51k agreed value, $1950 per year with $650 excess...

I've aware of the "many factors" used to arrive at these figures (although I think insurance company's like to hide behind these to avoid giving explanations for their prices).

Extra info for those interested, I am in the 30+ age bracket, have a clean driving record and have no insurance claims to my name (except one windscreen replacement due to a stone chip caused by a passing truck). The vehicle is kept off the street in a good area in Melbourne. Its also not my daily driver so is only used when I go on trips.

I will be going some more shopping around.





Elz,

Having worked for an insurance company for over 35 years I have become aware of some 4WD claim refusals. One of the most common 4WD claims refusals was legal tyre sizes. One in particular comes to mind of an older 4WD ( GQ I think ) with 35inch tyres, which was hit from behind at a set of lights by a prime mover. The damage to the 4WD was extensive enough to right it off. This claim was refused because it was considered "an un-roadworthy vehicle, fitted with illegal sized tyres", and therefor should not have been driven on the road.
I far as I remember at that time, after it went to court, the damage claim was never paid on the 4WD and the prime mover's insurance was chasing the 4WD owner for the recovery of the funds they paid out.
My point is this ..... no insurance company is your friend, and if an insurance company do'nt pay out and the whole thing goes to court, if your 4WD is illegal in any way.... you will lose.

bazzaboy
6th September 2016, 12:16 PM
Unfortunately, many people get into the habit of just renewing their policies every year without checking other company's prices. I too was guilty of it for a while. In my opinion there is no such thing as company loyalty, they don't care about you, only your money. It was different many years ago when there wasn't as many companies offering car insurance. That is the nature of the business now. We now have phone companies and supermarkets selling insurance in a limited market. There is only a certain amount of people in Australia buying car, property, or life insurance, that's why many insurance companies, specially the big ones, are now relocating their main offices or new start subsidiary offices in the Asian countries where there are many more people, opportunities, and money. I also predict that within the next few years, many insurance policies will only be available on-line as this minimizes their costs.

Knowing all this , you need to look and all the available options in Australia and overseas. Last year I was insured by Barkleys in the UK, via an Australian broker. I took their agreed value policy with a agreed higher excess. This suited me and was the cheapest policy I'd had in years. It cost me about $650 per year with a $2,000 excess for $55,000. I have never had a claim that was my fault and had to pay the excess.
This may not suit you but you need to make the time to check all options. I find brokers are good value as they work for you and get paid by the company they sell you on.
All this can be time consuming but you can save hundreds of dollars if you look.

Now it's my turn to do the same ..... my insurance is coming due soon.

Club 4x4
7th September 2016, 10:06 AM
Thanks Bazza,

Really interesting to get insight from someone with relevant industry experience.

You have reaffirmed my thought process on these matters. Mainly that any insurance company will look for "outs" in the event that they are faced with a claim. Its fair enough i guess, its a business after all.

I would love to hear from anyone who has experienced the other side of the coin, i.e having a claim paid out with "illegal mods" fitted. Interested in tires, bigger lifts, anything really, even EGR blanking plates!
Direct experience please, not the classic, my mates, sisters, friend knows a guy who.... :)

On another note,

I did get a quote form Club 4x4, but i find it ridiculously exorbitant. $51k agreed value, $1950 per year with $650 excess...

I've aware of the "many factors" used to arrive at these figures (although I think insurance company's like to hide behind these to avoid giving explanations for their prices).

Extra info for those interested, I am in the 30+ age bracket, have a clean driving record and have no insurance claims to my name (except one windscreen replacement due to a stone chip caused by a passing truck). The vehicle is kept off the street in a good area in Melbourne. Its also not my daily driver so is only used when I go on trips.

I will be going some more shopping around.

Gday Elz,

Really sorry that we couldn't give you an appropriate solution for your needs. Each persons' scenario is slightly different, but these differences can translate into larger differentials in the quote at the end.

Hopefully you can find the right solution for your needs but please do try us again next year.

Kal

Club 4x4
7th September 2016, 10:32 AM
Unfortunately, many people get into the habit of just renewing their policies every year without checking other company's prices. I too was guilty of it for a while. In my opinion there is no such thing as company loyalty, they don't care about you, only your money. It was different many years ago when there wasn't as many companies offering car insurance. That is the nature of the business now. We now have phone companies and supermarkets selling insurance in a limited market. There is only a certain amount of people in Australia buying car, property, or life insurance, that's why many insurance companies, specially the big ones, are now relocating their main offices or new start subsidiary offices in the Asian countries where there are many more people, opportunities, and money. I also predict that within the next few years, many insurance policies will only be available on-line as this minimizes their costs.

Knowing all this , you need to look and all the available options in Australia and overseas. Last year I was insured by Barkleys in the UK, via an Australian broker. I took their agreed value policy with a agreed higher excess. This suited me and was the cheapest policy I'd had in years. It cost me about $650 per year with a $2,000 excess for $55,000. I have never had a claim that was my fault and had to pay the excess.
This may not suit you but you need to make the time to check all options. I find brokers are good value as they work for you and get paid by the company they sell you on.
All this can be time consuming but you can save hundreds of dollars if you look.

Now it's my turn to do the same ..... my insurance is coming due soon.

G'day Bazza,

I completely respect your views here and appreciate you calling them out.

A few things that i will call out from my own experience working with mainstream, but also with enthusiast insurance brands over my short 20 or so years.


Many people truly don't understand what they are or not covered for. Now i'm not disputing the fact that reading through these documents is about as exciting as watching paint dry (and i've done that for a crust in my time too!), but i believe that the market, including insurance providers, aggregators and finally customers have created a focus so intent on driving down price that this becomes the sole criteria when shopping. You've expressed this in the first line of your response, so for you, price is the most important factor and this is absolutely fine.

Many people have a view of insurers and their intent to always minimise costs but i wonder how many times a claim has been refused and it's actually as a result of the policyholder not adequately understanding their coverage and their responsibilities when taking a policy out. Things like the duty of disclosure (the spiel you'll hear or read before every insurance quote) call out these responsibilities. When you're so focused on getting the price to move to the next insurer, how could you expect to actually absorb that sort of information, or read that question in the quote appropriately? I'm a customer too and i will say, you wont! You will dash through, it write down the premium and make the next call.

As enthusiasts, looking for enthusiast cover, the process of understanding what you're covered for is all the more important. Combine that with a brand new player like us, where the coverage cannot be replicated elsewhere, your need to fully understand is compounded again.

My message here is that yes, price is important. But, there should always be a balance where you understand the coverage as well.

lucus30
7th September 2016, 10:47 AM
I think you guys should be paying me commission 4 customers signed up with you guys from my efforts and I think another just moved his camper trailer across

That's just directly I think a few more have signed up through them also...

Sent from my E6653 using Tapatalk

Winnie
7th September 2016, 10:50 AM
I think you guys should be paying me commission 4 customers signed up with you guys from my efforts and I think another just moved his camper trailer across

Sent from my E6653 using Tapatalk

Haha same here. There are a few from my 4WD club now that have signed up

bazzaboy
7th September 2016, 12:15 PM
G'day Bazza,

I completely respect your views here and appreciate you calling them out.

A few things that i will call out from my own experience working with mainstream, but also with enthusiast insurance brands over my short 20 or so years.


Many people truly don't understand what they are or not covered for. Now i'm not disputing the fact that reading through these documents is about as exciting as watching paint dry (and i've done that for a crust in my time too!), but i believe that the market, including insurance providers, aggregators and finally customers have created a focus so intent on driving down price that this becomes the sole criteria when shopping. You've expressed this in the first line of your response, so for you, price is the most important factor and this is absolutely fine.

Many people have a view of insurers and their intent to always minimise costs but i wonder how many times a claim has been refused and it's actually as a result of the policyholder not adequately understanding their coverage and their responsibilities when taking a policy out. Things like the duty of disclosure (the spiel you'll hear or read before every insurance quote) call out these responsibilities. When you're so focused on getting the price to move to the next insurer, how could you expect to actually absorb that sort of information, or read that question in the quote appropriately? I'm a customer too and i will say, you wont! You will dash through, it write down the premium and make the next call.

As enthusiasts, looking for enthusiast cover, the process of understanding what you're covered for is all the more important. Combine that with a brand new player like us, where the coverage cannot be replicated elsewhere, your need to fully understand is compounded again.

My message here is that yes, price is important. But, there should always be a balance where you understand the coverage as well.

Hi,

Please don't think that I'm out just to bag your company, that is not the case. I dislike ALL insurance companies equally. It is the nature of all vehicle insurance in this country that rubs me the wrong way. Sell a product for the highest price possible, while being exposed to the least possible risk, and with the greatest possibility of declining the claim. Indirectly, that statement is the creed of all insurance.

The American vehicle insurance is a much better and fairer method ... insure the driver, not the vehicle. Unfortunately, that will never happen in Australia because of our much smaller population of possible policy holders and the need to acquire more revenue for our excessive amount of insurance providers. This is why many companies see the Asian market as the next "goldmine".

Anyway ...... your message. "price is important, but there should always be a balance where you understand the coverage as well".

Price IS extremely important to the prospective policy holder, as is understanding the coverage, but reading the "fine print" or PDS ( policy disclosure statement ) is CRITICAL. You will discover that nearly all standard vehicle policies have the same "exclusions" ( non-disclosure, roadworthy requirement, existing damages, previous claims ...ect.... )

A number of insurance companies are now claiming to be better than others because they cover all your accessories. Don't be fooled, you will be indirectly paying for it. I would rather pay to replace any stolen accessories than "inflate" the policy cost. All company's have done their homework and know the statistics of total vehicle loss against stolen accessory claims. They will always be in front.

In conclusion ........

IMO, cost is the only difference between all of them. So, after checking everything's equal, go for the cheapest price.


* Note : This is my personal opinion only and not intended to defame any particular company or individual.

Club 4x4
7th September 2016, 12:40 PM
Hi,

Please don't think that I'm out just to bag your company, that is not the case. I dislike ALL insurance companies equally. It is the nature of all vehicle insurance in this country that rubs me the wrong way. Sell a product for the highest price possible, while being exposed to the least possible risk, and with the greatest possibility of declining the claim. Indirectly, that statement is the creed of all insurance.

The American vehicle insurance is a much better and fairer method ... insure the driver, not the vehicle. Unfortunately, that will never happen in Australia because of our much smaller population of possible policy holders and the need to acquire more revenue for our excessive amount of insurance providers. This is why many companies see the Asian market as the next "goldmine".

Anyway ...... your message. "price is important, but there should always be a balance where you understand the coverage as well".

Price IS extremely important to the prospective policy holder, as is understanding the coverage, but reading the "fine print" or PDS ( policy disclosure statement ) is CRITICAL. You will discover that nearly all standard vehicle policies have the same "exclusions" ( non-disclosure, roadworthy requirement, existing damages, previous claims ...ect.... )

A number of insurance companies are now claiming to be better than others because they cover all your accessories. Don't be fooled, you will be indirectly paying for it. I would rather pay to replace any stolen accessories than "inflate" the policy cost. All company's have done their homework and know the statistics of total vehicle loss against stolen accessory claims. They will always be in front.

In conclusion ........

IMO, cost is the only difference between all of them. So, after checking everything's equal, go for the cheapest price.


* Note : This is my personal opinion only and not intended to defame any particular company or individual.

Hey Bazza,

Mate i never thought you were bagging us out at all and hold no negative view of discussion and opinions - this is where i hope to have a brand that is different to the mainstream. Constructive feedback is critical to our ongoing improvement and it is exactly what has helped us improve our product over the last 12 months.

What i will say is that i am 100% glad you have stated the importance of "fine print"and PDS' in the same line as where you said "all insurers are the same" from the exclusion perspective. Whilst that may be true you don't want people to have the misconception that all policies are the same, because they are not.

Cheers

Kal

mudski
7th September 2016, 01:06 PM
Good for C4x4 who are good enough to be active on an internet forum where "the gloves are off", so to speak. Kudos for this I say. Its only going to make the business better in my opinion.

Touses
7th September 2016, 02:00 PM
Good for C4x4 who are good enough to be active on an internet forum where "the gloves are off", so to speak. Kudos for this I say. Its only going to make the business better in my opinion.

Agree wholeheartedly and, in my case at least, there is an education re the machinations of the industry at a 'local' level as such.
When the time comes to insure New Pig I'll be asking for a price!

macca
8th September 2016, 06:30 PM
We have this insurance, but unfortunately also have had to make a claim.
Sent all we were asked for then heard nothing, just wanted to know it was received. We have no idea how it is going which would be nice.
Another email was sent that was replied to thankyou, it confirmed the information was in fact received.
Lacking experience in making a claim like this so not sure whether to pester you for a progress report or not?
We can not say this has been a pleasant experience for us but will continue to be patient.
Some blunt questions need to be asked, accepted, it's still not easy to be put on a spot as if we are trying to be fraudulent.
It's hard reading all the positives here, it's when a claim is made that the true test of the fine print is revealed.
We wait to hear from you.
Yours Iain & Pauly Maclean

We received good news today, more to come after we have had a chance to talk to them.

Thanks Kalen and Grant

macca
9th September 2016, 07:41 AM
Club 4x4 sent an email yesterday afternoon saying the claim had been approved, the repair was covered less the excess.
It was really good to hear that it had been settled and we are extremely grateful that they looked favourably on a situation that was out of the ordinary.
We had an emergency repair done before contacting them.
We as 4x4 users need to know that we can visit our great country in our vehicles and be safe in knowledge we have what is probably the best if not the only policy in our pocket if it goes bad.
Thanks to the team at Club 4x4.

Cuppa
9th September 2016, 08:35 AM
Excellent!
I took out Club 4x4 insurance which sounded good, but nevertheless it felt like a bit of a gamble, being a then new & unknown company. Like any insurance it’s when a claim is made that it’s real worth is apparent. This first hand account of a claim outcome really is very reassuring, & I’m glad I chose to insure with them. I’m even more pleased for Macca as I had recommended Club 4x4 to him based upon my experience of signing up with them, & the well priced premium I paid.

Sir Roofy
9th September 2016, 09:21 AM
Club 4x4 sent an email yesterday afternoon saying the claim had been approved, the repair was covered less the excess.
It was really good to hear that it had been settled and we are extremely grateful that they looked favourably on a situation that was out of the ordinary.
We had an emergency repair done before contacting them.
We as 4x4 users need to know that we can visit our great country in our vehicles and be safe in knowledge we have what is probably the best if not the only policy in our pocket if it goes bad.
Thanks to the team at Club 4x4.

Happy for you mate glad it went well

Club 4x4
13th September 2016, 08:21 AM
Club 4x4 sent an email yesterday afternoon saying the claim had been approved, the repair was covered less the excess.
It was really good to hear that it had been settled and we are extremely grateful that they looked favourably on a situation that was out of the ordinary.
We had an emergency repair done before contacting them.
We as 4x4 users need to know that we can visit our great country in our vehicles and be safe in knowledge we have what is probably the best if not the only policy in our pocket if it goes bad.
Thanks to the team at Club 4x4.

G'day Macca,

Sorry about the late response, been a madhouse around here :-)

I'm really glad that we were able to come through on our promise. As everyone here well knows and as echoed by Cuppa below - the proof in the pudding so to speak with any insurer is what they do at claims time.

Thanks also for taking the time out to share the message here - greatly appreciate it as it is very helpful in putting people's fears to rest somewhat. Looking forward to many more years as your insurer of choice.

I will forward on your thanks to Grant also.

Cheers


Kalen

mudski
13th September 2016, 09:52 AM
Hi Kalen.
I just sent an email through regarding some extra goodies I have added to my Patrol, plus a copy of the approval certificate for the Engineers report.

Regards.
Mark.

Club 4x4
13th September 2016, 09:54 AM
Hi Kalen.
I just sent an email through regarding some extra goodies I have added to my Patrol, plus a copy of the approval certificate for the Engineers report.

Regards.
Mark.

G'day Mark,

No worries - did you send that to contactus@club4x4.com.au?

The team should respond back within the next day or two.

Cheers


Kalen

mudski
13th September 2016, 11:30 AM
Yes i did Kalen.
Cheers.

Sent from my GT-N7105T using Tapatalk

macca
13th September 2016, 04:02 PM
G'day Macca,

Sorry about the late response, been a madhouse around here :-)

I'm really glad that we were able to come through on our promise. As everyone here well knows and as echoed by Cuppa below - the proof in the pudding so to speak with any insurer is what they do at claims time.

Thanks also for taking the time out to share the message here - greatly appreciate it as it is very helpful in putting people's fears to rest somewhat. Looking forward to many more years as your insurer of choice.

I will forward on your thanks to Grant also.

Cheers


Kalen

Appreciate that Kalen, only telling it from my view. You guys and girls do alright.

rainsey
13th September 2016, 06:02 PM
Hi,

Please don't think that I'm out just to bag your company, that is not the case. I dislike ALL insurance companies equally. It is the nature of all vehicle insurance in this country that rubs me the wrong way. Sell a product for the highest price possible, while being exposed to the least possible risk, and with the greatest possibility of declining the claim. Indirectly, that statement is the creed of all insurance.

The American vehicle insurance is a much better and fairer method ... insure the driver, not the vehicle. Unfortunately, that will never happen in Australia because of our much smaller population of possible policy holders and the need to acquire more revenue for our excessive amount of insurance providers. This is why many companies see the Asian market as the next "goldmine".

Anyway ...... your message. "price is important, but there should always be a balance where you understand the coverage as well".

Price IS extremely important to the prospective policy holder, as is understanding the coverage, but reading the "fine print" or PDS ( policy disclosure statement ) is CRITICAL. You will discover that nearly all standard vehicle policies have the same "exclusions" ( non-disclosure, roadworthy requirement, existing damages, previous claims ...ect.... )

A number of insurance companies are now claiming to be better than others because they cover all your accessories. Don't be fooled, you will be indirectly paying for it. I would rather pay to replace any stolen accessories than "inflate" the policy cost. All company's have done their homework and know the statistics of total vehicle loss against stolen accessory claims. They will always be in front.

In conclusion ........

IMO, cost is the only difference between all of them. So, after checking everything's equal, go for the cheapest price.


* Note : This is my personal opinion only and not intended to defame any particular company or individual.

To a degree I do agree with the comments as this is systemic across all insurance, not just motor vehicle, but, having been looking at insurance for a very highly modified vehicle I can honestly state that cost is not the only difference.

My biggest issue with insurance companies is not so much the accessories Perse' but rather things such as driving and coverage on non gazetteed roads. I do a lot this type of driving and from what I can understand, Club 4x4 do this type of coverage.

I have no allegiance to any insurance company but just as a comparison, I have had my Patrol GU 3l insured with a major Insurance company until I did an engine conversion. My previous insurance was for $26K, my new insurance is $62K. The base price with Club 4x4 came in about $100 more. By the time I added a few add one I think the premium came in at about $150 / year more.

I finally think Club 4x4 might actually be the first customer focused insurance company out there. Albeit they obviously have an under writer that sets the ultimate price but for bang for buck, I struggle to see anyone better for a highly modified vehicle that is typically outside the square.

Kindest regards
Rainey



Sent from my iPad using Tapatalk HD

macca
17th September 2016, 06:31 PM
For those that have FaceBook...

https://www.facebook.com/iain.maclean.731/posts/1757149031221758?notif_t=like&notif_id=1474018856588991

bazzaboy
18th September 2016, 07:21 AM
Hi,

Thank you for your quick responses to my previous comments. It is nice to be able to contact someone directly from an insurance provider on a special interest forum site. It is a very good initiative by Club 4x4.

I'm about to re-insure my 4X4 and have started the process of checking all policies available from all providers. I've just looked at your vehicle insurance PDS and was unable to find a definitive answer on a specific "excess payments" requirement. Question .... If I'm involved in a "no fault of my own " ) vehicle collision or I'm parked on a public street, if my vehicle is damaged or "written off", am I required to pay the excess if the driver at fault is identified?

Thank you

Club 4x4
19th September 2016, 08:23 AM
Hi,

Thank you for your quick responses to my previous comments. It is nice to be able to contact someone directly from an insurance provider on a special interest forum site. It is a very good initiative by Club 4x4.

I'm about to re-insure my 4X4 and have started the process of checking all policies available from all providers. I've just looked at your vehicle insurance PDS and was unable to find a definitive answer on a specific "excess payments" requirement. Question .... If I'm involved in a "no fault of my own " ) vehicle collision or I'm parked on a public street, if my vehicle is damaged or "written off", am I required to pay the excess if the driver at fault is identified?

Thank you

Hi bazzaboy

The only time that you need to pay an excess is if you need to lodge a claim through us. This may be when:

1) You've been involved in an accident or your vehicle has been damaged and you're at fault and you want us to act on your behalf to have yours and a third party's vehicle repaired.
2) You've been involved in an accident or your vehicle has been damaged and you're not at fault. You may choose to claim with us because you cannot identify the person at fault, the person at fault is uninsured, or you're just not happy dealing with the 3rd party's insurer.

I hope this covers your question appropriately.

macca
4th October 2016, 01:09 PM
I am absolutely gutted and have been for nearly a month, the day Club4x4 approved our earlier claim for chassis damage I had an accident in the Patrol.
We were notified of the completed claim 2 hours after the accident, there was no celebrating at our place.

First up no one was hurt at the time and have not heard anything to the contrary since.
Second I destroyed a young persons first car, we can all remember how important that car was.
Third I had to call Club4x4 again, my fury aimed at myself was not measurable, as was the embarrassment.

From that day on I re-live the scene that unfolded in front of me constantly, only a few people know it happened, my children don't know yet.
I still have no idea what happened, just that I looked away from the road for a moment and hit a stationary? car in front of me at up to 45kph, like I said I have no idea.

That is my shameful dick head story.

Club 4x4 again has lived up to expectations, the first contact when I called said simply "that's what we have insurance for" didn't make me feel any better but it was nice she said that.

This morning the car was driven to our panel beater, a young guy who has taken over a very successful shop he worked for, albeit a lot smaller scale. The standard of work from the previous owner was outstanding and Con is doing all he can to carry that standard forward. He actually has a customers vintage Roll Royce in to be restored as well as the normal repairs found in shops all over the country.

Sadly I have to say again that Club4x4 are an amazing company, I am most grateful but can not be happy about saying it again at all.
Thanks again to the people at Club4x4 trying to provide the best service to 4x4 owners across our great land.

Cheers Macca

Club 4x4
4th October 2016, 01:40 PM
I am absolutely gutted and have been for nearly a month, the day Club4x4 approved our earlier claim for chassis damage I had an accident in the Patrol.
We were notified of the completed claim 2 hours after the accident, there was no celebrating at our place.

First up no one was hurt at the time and have not heard anything to the contrary since.
Second I destroyed a young persons first car, we can all remember how important that car was.
Third I had to call Club4x4 again, my fury aimed at myself was not measurable, as was the embarrassment.

From that day on I re-live the scene that unfolded in front of me constantly, only a few people know it happened, my children don't know yet.
I still have no idea what happened, just that I looked away from the road for a moment and hit a stationary? car in front of me at up to 45kph, like I said I have no idea.

That is my shameful dick head story.

Club 4x4 again has lived up to expectations, the first contact when I called said simply "that's what we have insurance for" didn't make me feel any better but it was nice she said that.

This morning the car was driven to our panel beater, a young guy who has taken over a very successful shop he worked for, albeit a lot smaller scale. The standard of work from the previous owner was outstanding and Con is doing all he can to carry that standard forward. He actually has a customers vintage Roll Royce in to be restored as well as the normal repairs found in shops all over the country.

Sadly I have to say again that Club4x4 are an amazing company, I am most grateful but can not be happy about saying it again at all.
Thanks again to the people at Club4x4 trying to provide the best service to 4x4 owners across our great land.

Cheers Macca

Macca,

Disappointing on all accounts mate.

Really glad everyone involved was OK.

Metal and plastic can be fixed - humans are a bit more challenging.

Cheers

Kalen

macca
4th October 2016, 02:10 PM
Macca,
Metal and plastic can be fixed - humans are a bit more challenging.

Cheers

Kalen

Kalen I can see her being thrown about in the car in front of me, then she let out such a scream that sounded fatal to me.
Rushing to be first at her side and her saying she was OK was something I never want to be part of ever again.
Just didn't know what to expect, the first aid training we do at work kicked in though not needed fortunately.

mudski
4th October 2016, 02:21 PM
Kalen I can see her being thrown about in the car in front of me, then she let out such a scream that sounded fatal to me.
Rushing to be first at her side and her saying she was OK was something I never want to be part of ever again.
Just didn't know what to expect, the first aid training we do at work kicked in though not needed fortunately.
Wow macca!
Stuff like that never leaves your head unfortunately. I had a near head on some 15 years ago, i swerved and the car behind me with a young family of four copped the full brunt. All four were not in good shape.
To this day, everytime i drive that stretch of road i think about it.
Its great to see though that C4x4 have effortlessly come to help.

Sent from my GT-N7105T using Tapatalk

Club 4x4
4th October 2016, 02:48 PM
Kalen I can see her being thrown about in the car in front of me, then she let out such a scream that sounded fatal to me.
Rushing to be first at her side and her saying she was OK was something I never want to be part of ever again.
Just didn't know what to expect, the first aid training we do at work kicked in though not needed fortunately.

that's rough mate. Again, glad all was ok.

Rossco
4th October 2016, 05:26 PM
Kalen I can see her being thrown about in the car in front of me, then she let out such a scream that sounded fatal to me.
Rushing to be first at her side and her saying she was OK was something I never want to be part of ever again.
Just didn't know what to expect, the first aid training we do at work kicked in though not needed fortunately.
Far out macca sounds horrible but glad everyone is OK. Yeah all it takes is a poofteenth of a second for things to happen. At the end of the day we're all human and these things have happened to all of us at some point. Easy to say but try not to be too harsh on yourself the main thing is everyone's ok.

Been very impressed to hear the service from club 4x4.

Cuppa
4th October 2016, 06:15 PM
Real sorry to hear your story Macca. Like us all, I hope I'll never need to make a claim, certainly not in circumstances where anyone is hurt (or worse), but your experiences & willingness to share them make me glad about my decision to give Club 4x4 insurance a go.

macca
4th October 2016, 07:44 PM
Taken a while to share Cuppa.
It's not easy I am still so disappointed in myself even though I have no idea what led to the accident.

Club 4x4
4th October 2016, 08:13 PM
Taken a while to share Cuppa.
It's not easy I am still so disappointed in myself even though I have no idea what led to the accident.

Mate if it helps, it's ironic that i'm running an insurance company given the mistakes I've made.

At the end of the day it is what it is mate.

Just gotta be thankful everyone is ok. [emoji1360][emoji1360][emoji1360]



Sent from my iPhone using Tapatalk

macca
5th October 2016, 07:59 AM
Thanks for the kind words and support, really shows what sort of people are here amongst the members of this forum.

I wanted you all to know that Club4x4 did exactly what they were paid to do, a product was purchased in good faith and that faith has been repaid.

Because of what I have been through I hope you will at least consider Club4x4 next time your insurance is due.

I have done this off my own bat as a satisfied customer, I can only hope you are too no matter who insures you.

Club 4x4
7th October 2016, 03:08 PM
G'day Everyone,

I know not everyone follows us on Facebook, so i wanted to share our latest blog post on illegal modifications.

This has generated a lot of discussion and clarified our stance in the market.

http://www.club4x4.com.au/modification/

Happy Touring

Kalen

MB
7th October 2016, 11:12 PM
G'day Everyone, I know not everyone follows us on Facebook, so i wanted to share our latest blog post on illegal modifications. This has generated a lot of discussion and clarified our stance in the market. http://www.club4x4.com.au/modification/ Happy Touring Kalen
Thanks for the info Kalen :-)
Sounds more than fair mate!
How to get started?
I'm a tad lazy, any chance of emailing a form or two to get us started!

Club 4x4
8th October 2016, 06:43 AM
Thanks for the info Kalen :-)
Sounds more than fair mate!
How to get started?
I'm a tad lazy, any chance of emailing a form or two to get us started!

Morning MB

No forms with us mate. You can do a quote on the couch on the phone.

One for us lazy types eh?

[emoji3]


Sent from my iPhone using Tapatalk

bazzaboy
8th October 2016, 07:17 AM
As some of you will be aware, early in this post I has some questions and critical views for Club 4x4 and all insurance providers. I happy to say, after comparing all others out there who would provide the cover I required, I eventually went with club 4x4 for agreed value comprehensive insurance. I hope it's a happy relationship and that I wont need their services until next renewal time.

MB
8th October 2016, 11:33 AM
Morning MB No forms with us mate. You can do a quote on the couch on the phone. One for us lazy types eh? [emoji3] Sent from my iPhone using Tapatalk
Cheers Kalen,
We'll get the girls onto your site Monday.
Out of interest, do you guys have any additional extras for tools of trade, goods carting etc...?

Avo
8th October 2016, 07:39 PM
been talking to Doggy.......he's nearly convinced me to take a look at you guys...well that and Macca's story.....what about down a beach crossing rivers?
...what if my car get swallowed...not a gazzetted road....

Club 4x4
10th October 2016, 07:42 AM
As some of you will be aware, early in this post I has some questions and critical views for Club 4x4 and all insurance providers. I happy to say, after comparing all others out there who would provide the cover I required, I eventually went with club 4x4 for agreed value comprehensive insurance. I hope it's a happy relationship and that I wont need their services until next renewal time.

G'day Bazza,

I understand that working in the industry exposes you to the various intricacies of the business internally and it's easy to get jaded. I've worked with mainstream and niche insurers in my time, across various product lines and at various capacities. There is no debate that it's not a charity - we are here to make money also. I can say though having seen all of that, my intent with this business is to make it a true enthusiast model, which is why i try to be open and forthright in all of my communications. I truly believe there is scope to deliver shareholder value and a great customer experience and i will always do my best to ensure there is a balance.

Getting endorsement from someone like yourself who is an enthusiast and has worked in insurance (this makes two of us now mate - rare breed) is a real compliment.

Thanks for jumping on board, mate.

Happy Touring

Kalen

Club 4x4
10th October 2016, 07:43 AM
Cheers Kalen,
We'll get the girls onto your site Monday.
Out of interest, do you guys have any additional extras for tools of trade, goods carting etc...?
Hey MB,

Mate those extra's don't exist and to be honest if the truck is being used as a delivery vehicle you wont be able to insure with us - not the intent of the policy. Perhaps you want to PM me with the exact usage of the truck - what do you do with it, and im happy to guide you before you start making phone calls etc?

Cheers

Kalen

Club 4x4
10th October 2016, 07:45 AM
been talking to Doggy.......he's nearly convinced me to take a look at you guys...well that and Macca's story.....what about down a beach crossing rivers?
...what if my car get swallowed...not a gazzetted road....

Morning Avo,

Gazetted, non gazetted or cross country - we cover you. This includes beach crossing and water crossing in general.

The only limiting factors we have are if you are driving a closed track or road, or not following local law enforcement orders such as closed roads or if you are trespassing or engaging in something illegal at the time.

Hope that helps

Kal

Club 4x4
10th October 2016, 02:18 PM
Here's a couple of new posts guys

1) A blog about our off-road recovery cover - Off Road Recovery Cover - no, your insurer doesn't offer it (http://www.club4x4.com.au/off-road-recovery-cover-no-insurer-doesnt-offer/)
2) a testimonial from Aaron Schubert (http://www.club4x4.com.au/portfolio-item/club-4x4-testimonial-aaron-schubert-4wding-australia/), owner of 4wding Australia (http://www.4wdingaustralia.com/)

Cheers

Kalen

Club 4x4
22nd November 2016, 10:39 AM
Gday everyone,

Feels like i havent been around here for some time! Hope alls well. Just wanted to share a couple of things here with you all

1) A podcast (http://4x4earth.com/podcasts/22-4wd-insurance-roadworthies-kalen-club-4x4/)we recently did with 4X4 Earth
2) We finally got some footage from our trip to the Big Red Bash! Check it out here (http://www.club4x4.com.au/epic-journey-big-red-bash/)

Cheers!

Kalen

Club 4x4
22nd November 2016, 11:11 AM
Hey Kallen, you need to have a chat with Pat Callinan about the 2017 calendar that came with the mag subscription last week. 10 of the 12 months are yotas and only 1 Patrol month! Not good enough!! :) And that's the only thing I've got to complain about so life's not too bad really! :)

hahahahah

to be honest i got the mag at home but haven't had time to open it. Duly noted!

Kal

Cuppa
22nd November 2016, 03:24 PM
Hi Kallen, a couple of questions about no claims bonuses.

With Club 4x4 providing competitive premiums without incorporating no claims bonuses .... in the event of a claim would the premium increase & if so how & when would the premium increase be calculated?

Also if choosing to insure with Club 4x4 & leaving a previous insurer where a rating one no claims bonus was held .... if the policy holder chose not to renew after having had a claim free term with Club 4x4 - would Club 4x4 be able/willing to provide the necessary info to a person’s new insurer in order that that person could return to a rating one no claims bonus?

Thanks.

Club 4x4
23rd November 2016, 11:53 AM
Hi Kallen, a couple of questions about no claims bonuses.

With Club 4x4 providing competitive premiums without incorporating no claims bonuses .... in the event of a claim would the premium increase & if so how & when would the premium increase be calculated?

Also if choosing to insure with Club 4x4 & leaving a previous insurer where a rating one no claims bonus was held .... if the policy holder chose not to renew after having had a claim free term with Club 4x4 - would Club 4x4 be able/willing to provide the necessary info to a person’s new insurer in order that that person could return to a rating one no claims bonus?

Thanks.

G'day Cuppa,

Valid question and i get it a fair bit. The reason why we didn't decide to implement the "No Claim Bonus" concept was because it really had become a bit of a farce. It's incredibly easy to get approved for a maximum and to be honest it's hardly believable that an insurer give you a 6/70% discount on the base rate anymore.

The questions we ask about claims history are what help us determine the risk posed by each driver, and consequently, the price we will charge. This is why its vital that all information provided is 100% accurate.

Now, if you were to want to go back to a vanilla insurer and they require a letter stating your claims history while with us, we'd be more than happy to provide that for you.

Hope that helps

Kal

mudski
23rd November 2016, 02:11 PM
Hey Kallen, you need to have a chat with Pat Callinan about the 2017 calendar that came with the mag subscription last week. 10 of the 12 months are yotas and only 1 Patrol month! Not good enough!! :) And that's the only thing I've got to complain about so life's not too bad really! :)

Haha Plassy! My calendar went straight in the bin.

Plasnart
23rd November 2016, 02:18 PM
Haha Plassy! My calendar went straight in the bin.

Mine too haha

Cuppa
23rd November 2016, 07:19 PM
G'day Cuppa,

Valid question and i get it a fair bit. The reason why we didn't decide to implement the "No Claim Bonus" concept was because it really had become a bit of a farce. It's incredibly easy to get approved for a maximum and to be honest it's hardly believable that an insurer give you a 6/70% discount on the base rate anymore.

The questions we ask about claims history are what help us determine the risk posed by each driver, and consequently, the price we will charge. This is why its vital that all information provided is 100% accurate.

Now, if you were to want to go back to a vanilla insurer and they require a letter stating your claims history while with us, we'd be more than happy to provide that for you.

Hope that helps

Kal

Thanks Kal, I have no intention to quit Club 4x4. I am interested in what the impact of making a claim is likely to be upon a renewal premium though.

Cheers
Cuppa

Club 4x4
23rd November 2016, 07:22 PM
Thanks Kal, I have no intention to quit Club 4x4. I am interested in what the impact of making a claim is likely to be upon a renewal premium though.

Cheers
Cuppa

Hard to tell mate.

If you were to make a claim you will generally see an increase in premium. Under the no claim bonus concept you would supposedly see a 10% increase, not sure it'd be the case.

The increase will be dictated by the type and number of claims made during the policy period.

Hard to give you figures though, hopefully you never have to find out!

Cheers

Kal



Sent from my iPhone using Tapatalk

Baby Daddy
23rd November 2016, 09:58 PM
Just wamt to review my insuramce...
How do i find out how much it will be for me?
Cheers

mudski
24th November 2016, 12:45 PM
Just wamt to review my insuramce...
How do i find out how much it will be for me?
Cheers

Get onto Jackson. He helped me out...
contactus@club4x4.com.au

macca
24th November 2016, 01:43 PM
Hard to tell mate.

If you were to make a claim you will generally see an increase in premium. Under the no claim bonus concept you would supposedly see a 10% increase, not sure it'd be the case.

The increase will be dictated by the type and number of claims made during the policy period.

Hard to give you figures though, hopefully you never have to find out!

Cheers

Kal



Sent from my iPhone using Tapatalk

mmm looks like I'm going to find out!

Sir Roofy
24th November 2016, 02:39 PM
mmm looks like I'm going to find out!

Start saving your $2 coins mate sounds like a jump coming up

Club 4x4
24th November 2016, 02:44 PM
Unfortunate but true - hopefully not a huge lift Macca

I'm always here to accept feedback to refine things though so please don't suffer in silence everyone!

And Happy Birthday again!

macca
24th November 2016, 04:30 PM
Start saving your $2 coins mate sounds like a jump coming up

Good onya kind Sir, full of good news LOL

Boinzo
25th November 2016, 11:30 AM
Hey Club4x4!
I'm trying to get a quote through the website and I've run into a problem.
You have a dropbox that says "Whose name is the 4X4 financed in?" and my only option is "other". Then it wants a "First Name".
But I can't proceed. When I hit "Continue" nothing happens. And if I leave that stuff blank I get an error.
I've tried 3 different browsers - Windows/Mac.
I'm kind of keen to use you guys but I can't get the quote to work!
Cheers!

juzzs8
25th November 2016, 05:40 PM
Hey Kalen. Up for my 2nd year renewal. Does the pat callinan subscription continue with the insurance renewal?


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Club 4x4
28th November 2016, 07:01 AM
Hey Club4x4!
I'm trying to get a quote through the website and I've run into a problem.
You have a dropbox that says "Whose name is the 4X4 financed in?" and my only option is "other". Then it wants a "First Name".
But I can't proceed. When I hit "Continue" nothing happens. And if I leave that stuff blank I get an error.
I've tried 3 different browsers - Windows/Mac.
I'm kind of keen to use you guys but I can't get the quote to work!
Cheers!

Gday Boinzo,

Sounds like a bit of a glitch there - it should pre-populate your name but i have a feeling its insured under the business name.

Either way, the quickest way to get this sorted for you is a call to the call centre. OR, if you inbox me your phone number, name and a time when you'd like a call ill get my team to get onto you at your convenience.

Let me know

Kal

Club 4x4
28th November 2016, 07:02 AM
Hey Kalen. Up for my 2nd year renewal. Does the pat callinan subscription continue with the insurance renewal?


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Hi Juzzs8 - at the moment yes, you will continue onto a print renewal.

AB
13th January 2017, 10:32 AM
Hi folks, I am happy to announce that Club4x4 have stayed on for another year as our sponsor!

Feel free to check them out and what they can offer you as many members have already done last year with great feedback.

PeeBee
13th January 2017, 10:47 AM
Hi folks, I am happy to announce that Club4x4 have stayed on for another year as our sponsor!

Feel free to check them out and what they can offer you as many members have already done last year with great feedback.

I have a quote in hand for my vehicle with the chev conversion, same agreed value and 'hundreds' cheaper than the mob I am currently with - will be swapping over at renewal as they also offer a better 'off-road' recovery package. I was happy with my current insurer until I spoke with Club4x4.

macca
13th January 2017, 11:37 AM
Can not fault Club 4x4.
Glad they offered a product and we found them.
Thanks for supporting this site again guys and gals.
And thanks for supporting my wife and myself :driving2:

Cuppa
13th January 2017, 07:38 PM
We recently decided to get our Tvan insured with Club 4x4 in addition to our Patrol. Price was good, & they agreed to my request to arrange the anniversary date so that they both come up at the same time, which will make it easier for us when we are travelling.

Covo71
13th January 2017, 07:48 PM
Tried to get insurance on the GQ but they would not go over $7k agreed value.

Avo
13th January 2017, 07:59 PM
Tried to get insurance on the GQ but they would not go over $7k agreed value.

pm them mate and they will give you a call,alot of guys here have gq and i am sure they are insured for more than that. Winnie

gubigfish
13th January 2017, 08:21 PM
Tried to get insurance on the GQ but they would not go over $7k agreed value.

Also they insure the mods on top of the car value, so if you give them a list of the mods they will be covered.

Club 4x4
14th January 2017, 06:49 AM
Tried to get insurance on the GQ but they would not go over $7k agreed value.

Hi Covo71

We do a very different type of a"agreed value" to other insurers. Like some of the guys have said, we determine a value for your truck, then we ask you about the value of your modifications. We add both together then you have your value.

If your truck was stock then it is possible that we valued it at 7 but even then that's in the low end from my memory.

Is it stock? What kind of condition is it in?

Feel free to PM me your number and I can get one of the team to give you a call.

Kalen


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Club 4x4
14th January 2017, 06:51 AM
Guys it great to be on board for another year. This forum has been great for Club 4X4 because it's given us an opportunity to talk directly to enthusiasts and policyholders alike.

Not sure if everyone has seen it but we are now slowly moving into creating more policyholder benefits. The first is an arrangement with our mates at Cross Country 4X4.

Check out the deal here. http://www.club4x4.com.au/get-insured-club-4x4-get-10-off-intercooler-kits/


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abw
14th January 2017, 07:38 AM
I seem to remember you offering discounted roadside assist as an add-on to a policy. Do you still offer this? My NRMA roadside is due, and wondering if it's worthwhile spending another $200 with them.

Club 4x4
14th January 2017, 07:51 AM
Hi abw. That was a campaign we ran a while back. Not right now though unfortunately


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Covo71
14th January 2017, 08:35 PM
Hi Kalen,
I did speak to someone directly. Told them it was fairly stock with only a 2 inch lift tyres and roof rack at the moment. Car is in original condition with only 200k on the clock. Was told accessories not worth more than $1500 without receipts.

Club 4x4
16th January 2017, 05:40 AM
Hi Kalen,
I did speak to someone directly. Told them it was fairly stock with only a 2 inch lift tyres and roof rack at the moment. Car is in original condition with only 200k on the clock. Was told accessories not worth more than $1500 without receipts.

Ok thanks Covo

Tyres are a consumable so they don't go in the tally so it sounds like that's what made the difference.

Still sounds a bit low though. Do you have a quote number?

For a GQ you also would have had to supply photos, did you send them in?

Kal


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Covo71
16th January 2017, 07:30 PM
No, didn't bothr sending photos when max was at $7k.