Club 4X4 - Insurance for 4X4 Enthusiasts

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.

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.

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.

thanks, i have sent you a pm

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Originally Posted by Club 4x4

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.

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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.

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Originally Posted by Throbbinhood

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.

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

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Originally Posted by Throbbinhood

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.

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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.

So Kal. I take I will be receiving the mag subscription too? :)

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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Originally Posted by mudski

So Kal. I take I will be receiving the mag subscription too? :)

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


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I take it vehicles have to be fully RWC as well? No 35's on a gq without engineers for instance?

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Originally Posted by Throbbinhood

I take it vehicles have to be fully RWC as well? No 35's on a gq without engineers for instance?

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

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?

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Originally Posted by biggqwesty

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?

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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!

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

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Originally Posted by roofy

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

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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

Quote:

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Originally Posted by Club 4x4

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!

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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

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Originally Posted by Club 4x4

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

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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

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!

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Originally Posted by Club 4x4

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!

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PM Sent .........

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Originally Posted by Club 4x4

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.

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

Ha! Just as well all my accessories were covered :-)


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I was the same as Stropp so didn't proceed.


Tap tap tap

You did a good quote for me so I'll change soon

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Originally Posted by lucus30

You did a good quote for me so I'll change soon

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Great news!!

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!

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/

just did an online quote, pretty happy with it.

About to purchase now.

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Originally Posted by juzzs8

just did an online quote, pretty happy with it.

About to purchase now.

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awesome stuff! glad we could help

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Originally Posted by juzzs8

just did an online quote, pretty happy with it.

About to purchase now.

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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....

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Originally Posted by mudski

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....

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

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!!

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.

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Originally Posted by TimE

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!!

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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?


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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.

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

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.

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.

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

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/club4x4insu...74231969433930 - http://www.club4x4.com.au/club-4x4-in-thavel-australia/

https://www.facebook.com/club4x4insu...68909313299529 - http://viewer.zmags.com/publication/...#/9d46ac2f/149

Cheers