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22nd November 2016, 04:24 PM
#221
Travelling Podologist
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.
2006 4.2TDi ex-Telstra Remote area Camper. 425w roof mounted solar, 360Ah Aux batts, BCDC1240, Onboard hot & cold pressurised & filtered water, (25 litre hot water calorifier), ARB fridge, ARB freezer, Built in kitchen, heaps of easy access storage, 240v, 3” Genie exhaust + dynotune, 2” lift, 3900kg GVM upgrade, second glovebox, ROH Blaktrak steel wheels, Bridgestone D697's (now Toyo RT's), Redarc gauges/pillarpod, Hema HX-1, Icom 450 CB, dual rear view cameras, Onboard 30amp Victron mains charger, second glovebox, dual seat conversion, TPMS, Boss PX7 onboard air with 9 litre tank, 350w inverter, Steel bullbar, Harrop Eaton diff lock (front), Warn winch, Snorkel, Dual spares , 160 litre water tank, 180 litre fuel in two tanks (approx 1200km range) 2010 Tvan Tanami. (incl another 70 litre water tank) with matching wheels/tyres (& 3rd spare)
A Nomadic Life (Blog)
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22nd November 2016 04:24 PM
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23rd November 2016, 12:53 PM
#222
Expert
Originally Posted by
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.
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
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23rd November 2016, 03:11 PM
#223
Originally Posted by
Plasnart
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.
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The Following 2 Users Say Thank You to mudski For This Useful Post:
Plasnart (23rd November 2016), Woof (24th November 2016)
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23rd November 2016, 03:18 PM
#224
Breadmaker Shaker
Originally Posted by
mudski
Haha Plassy! My calendar went straight in the bin.
Mine too haha
What is the charge? Eating a meal? A succulent Chinese meal??
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The Following 2 Users Say Thank You to Plasnart For This Useful Post:
mudski (24th November 2016), Woof (24th November 2016)
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23rd November 2016, 08:19 PM
#225
Travelling Podologist
Originally Posted by
Club 4x4
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
2006 4.2TDi ex-Telstra Remote area Camper. 425w roof mounted solar, 360Ah Aux batts, BCDC1240, Onboard hot & cold pressurised & filtered water, (25 litre hot water calorifier), ARB fridge, ARB freezer, Built in kitchen, heaps of easy access storage, 240v, 3” Genie exhaust + dynotune, 2” lift, 3900kg GVM upgrade, second glovebox, ROH Blaktrak steel wheels, Bridgestone D697's (now Toyo RT's), Redarc gauges/pillarpod, Hema HX-1, Icom 450 CB, dual rear view cameras, Onboard 30amp Victron mains charger, second glovebox, dual seat conversion, TPMS, Boss PX7 onboard air with 9 litre tank, 350w inverter, Steel bullbar, Harrop Eaton diff lock (front), Warn winch, Snorkel, Dual spares , 160 litre water tank, 180 litre fuel in two tanks (approx 1200km range) 2010 Tvan Tanami. (incl another 70 litre water tank) with matching wheels/tyres (& 3rd spare)
A Nomadic Life (Blog)
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23rd November 2016, 08:22 PM
#226
Expert
Originally Posted by
Cuppa
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
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23rd November 2016, 10:58 PM
#227
Just wamt to review my insuramce...
How do i find out how much it will be for me?
Cheers
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24th November 2016, 01:45 PM
#228
Originally Posted by
Baby Daddy
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
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24th November 2016, 02:43 PM
#229
Enjoying the trips
Originally Posted by
Club 4x4
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!
Cheers
Macca
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The Following User Says Thank You to macca For This Useful Post:
Woof (24th November 2016)
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24th November 2016, 03:39 PM
#230
Patrol God
Originally Posted by
macca
mmm looks like I'm going to find out!
Start saving your $2 coins mate sounds like a jump coming up
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The Following User Says Thank You to Sir Roofy For This Useful Post:
macca (24th November 2016)