Club 4X4 - Insurance for 4X4 Enthusiasts

[Cuppa]

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]

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]

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]

Haha Plassy! My calendar went straight in the bin.

Mine too haha

[Cuppa]

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]

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



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[Baby Daddy]

Just wamt to review my insuramce...
How do i find out how much it will be for me?
Cheers

[mudski]

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]

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



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mmm looks like I'm going to find out!

[Sir Roofy]

mmm looks like I'm going to find out!

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