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Thread: Club 4X4 - Insurance for 4X4 Enthusiasts

  1. #291
    Patrol Noob stevemc181's Avatar
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    Quote Originally Posted by 4bye4 View Post
    I would have thought that drivers records would have been checked, if needed at the time of signing up for the policy, not when the first claim is made? maybe I'm misreading this?
    I guess anything can happen between the time you sign up and the time you may make a claim, so it's reasonable to check the records at the time of the claim. I just found it strange that we have to provide the history and they couldn't look it up in their online systems? I would have thought there would be some sort of central system that all the insurers could access to check details like this?
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  3. #292
    Hardcore Apollofish's Avatar
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    Hi stevemc181,
    I believe it's common practice by most insurers unless you've been with them for quite a few years.
    It's definitely used by a lot of the internet based insurers that advertise on TV.
    Part of the premium you are quoted depends on your driving/claims history, unfortunately not everyone is honest when they sign up.

    Disclaimer: I have no association with Club 4x4
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    stevemc181 (24th July 2017)

  5. #293
    Expert Club 4x4's Avatar
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    Hi Steve

    Sorry you've had a bingle, hopefully we can bring things back to where they were as efficiently as possible.

    Unfortunately the check is not ones that we can do automatically. We can actually check insurance claim history through a central database with no input from yourself, but driving history's are not available in the same fashion.

    The challenge we've found is that each state has a different process; varying from online, offline etc. unfortunately in WA the only way to get the history is to present at a police station.

    We are currently investigating ways to streamline this process, but it will take some time.

    I do look forward to detailed feedback on the process from you Steve. In the past, based on your own feedback we've made process adjustments, I look forward to talking in more detail again if inefficiencies are found.

    Kalen


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  6. #294
    Patrol Noob stevemc181's Avatar
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    Thanks for the reply Kalen, yep it would be less inconvenient if we could do it all online. They don't call us Wait Awhile for nothing over here!
    I am sweating on my partners driving history now, she had a few more minor speeding infractions than I was aware of
    The process so far has been pretty normal I guess, although we don't have a lot of claims experience to actually judge it by We just weren't expecting to have to go to the cop shop for our own traffic history report when it is a fairly minor claim.
    2016 GU Legend Edition: 3505Kg GVM Upgrade | Factory Bar/Winch/Roofrack/Towbar | 285/70/17 Mickey T ATZ P3's |3" Manta Exhaust System | UFI Remap | Torque Converter Lock Up | Sandgrabber Mats | Rear Door Diner | ORS Drawers | LifePo4 Dual Battery

  7. #295
    Expert Club 4x4's Avatar
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    Quote Originally Posted by stevemc181 View Post
    Thanks for the reply Kalen, yep it would be less inconvenient if we could do it all online. They don't call us Wait Awhile for nothing over here!
    I am sweating on my partners driving history now, she had a few more minor speeding infractions than I was aware of
    The process so far has been pretty normal I guess, although we don't have a lot of claims experience to actually judge it by We just weren't expecting to have to go to the cop shop for our own traffic history report when it is a fairly minor claim.
    Yeh i understand - hopefully we can make the process more efficient over the next 12 months.

    Not good news on the extra speeding infringements - please keep me in the loop.

    Kalen

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  9. #296
    Dribble Master Clunk's Avatar
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    Quote Originally Posted by stevemc181 View Post
    Thanks for the reply Kalen, yep it would be less inconvenient if we could do it all online. They don't call us Wait Awhile for nothing over here!
    I am sweating on my partners driving history now, she had a few more minor speeding infractions than I was aware of
    The process so far has been pretty normal I guess, although we don't have a lot of claims experience to actually judge it by We just weren't expecting to have to go to the cop shop for our own traffic history report when it is a fairly minor claim.
    Seems like an odd process. I'm with another large insurer and won't name names. I remember when I joined them, all done over the phone, they asked about mine and my partners passed infringements and nothing else was said. I assumed that they would have got that info themselves. I didn't have to go and get my details from the police when I had my accident back in February


  10. #297
    Legendary Avo's Avatar
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    same as Clunk,seems mighty strange
    I drive my wife's patrol

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    Clunk (25th July 2017)

  12. #298
    Patrol Guru gubigfish's Avatar
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    I will add as a Club 4x4 customer I also found it strange that I had to get this information when making a claim. First time that's happened since ever.
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    Clunk (25th July 2017)

  14. #299
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    Quote Originally Posted by gubigfish View Post
    I will add as a Club 4x4 customer I also found it strange that I had to get this information when making a claim. First time that's happened since ever.
    what next,have to take your own photo's and send them in to accessor
    I drive my wife's patrol

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    Clunk (25th July 2017)

  16. #300
    Expert Club 4x4's Avatar
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    Appreciate all the thoughts and opinions guys. It is something we're looking to smooth out in due course!

    Kal

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