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".