4WD Insurance DGA Brokers Melbourne

[Timbo]

Hi all,

TL;DR at the bottom.

Appreciate there's a couple of other Insurance threads floating around but I think you guys will like to read this.

I've been calling Insurance companies today trying to get quotes. Mobs such as RACV, AAMI, GIO, JUST CAR.. they really don't want to insure your 4WD when it's modified.

Now I've just bought another Patrol and the modifications and accessories is somewhat extensive. After relaying the mod list to the bloke at AAMI, he was huffing and puffing because;
a) he couldn't find most of the items in his "form"
b) He ran out of room in the "notes" section
c) Maybe he has trouble breathing

After mucking around, they wont touch me due to an after market Turbo. As soon as you mention Turbo, you have HOON plastered all over your name.

I got onto DGA Insurance Brokers who I see are recommended by quite a few people.
They shot me back a quote of $1517.00. This was already hundreds of dollars cheaper than the other mobs. This also covers me ANYWHERE (lol AB) in Australia. Rivers, Sand dunes, unnamed tracks, your back yard.. anywhere. Also, they cover ANY modification. None of this "if it doesn't pass a RWC, we can't insure it" crap. Any mods. That's great!

The lady is very nice and helpful there. She managed to get the price down further for me to a final sum of $1300.00 p/a with an excess of $500.

Personal items and camping gear covered for $1000.00 including GPS. Not bad. To top it off, they'll cover me for an agreed value which is fantastic. Market value on GU Patrols is about $20,000. There's no way I was going to get insurance and only be covered up to $20,000.

So I'm very happy with the outcome. There's also a 21day cooling off period so If I don't like it, I can get out which is handy.

I'd recommend any keen/serious 4wd'ers to give them a call. $1300 might sound a lot to some people but the peace of mind is worth it.

DGA Insurance Brokers (Melbourne)
Susan Davidson
Office Manager
Level 2, 256 Queen Street
MELBOURNE VIC 3000
Tel: (03) 8636 9000 Fax: (03) 8636 9001
ABN: 51 098 633 786 FSR Licence No.: 238706


TL;DR

$1300.00 p/a (discounted fro $1517.00



Covered absolutely anywhere



All tracks, named and unnamed



Covered for agreed value



$1000 personal property inc GPS



$500 excess



Windscreen cover
Any and all mods. Do not adhere to R.W.C standards only. 5" lift? No problem.

[Russell1974]

Yea they are good had a few mates over the years have no complaints in using them am in the middle of getting my quote emailed to me they are fair and quick to respond when the time arrives hopefully never

[SammiGQ]

I've heard stories from people I know that get insurance and it sounds great - "yes we will insure your 5" lift no worries" etc etc. But when it comes to a write off or accident the insurance company will say the car is not LEGAL so it breaches terms... It's the only thing I worry about when it comes to insurance, imagine forking out over a grand and having the whole contract void in the end. Eeek.

Timbo would be interested to know if they specifically said that to you? They seem like an ok mob from what you've said.

[Johan Safari]

From their website... http://www.dgainsurance.com.au/4wd.htm

The Policy:

Managed by DGA Insurance Brokers

For more than a decade DGA has been servicing the insurance needs in the 4WD industry.

As market leaders in 4WD Insurance, DGA has earned a reputation for total reliability and superior customer service.

Specialist insurance for your vehicle

The makes and models of 4WD vehicles available today are as varied as the needs of their owners: city driving, highway towing, outback touring, off-roading and farming. Now, protection for your "whole vehicle" is here through Australian 4WD Insurance. All you have to do is nominate the value adding equipment to be insured.

Many 4WD owners fit aftermarket accessories to obtain the best possible performance and protection. Sometimes the unavoidable happens and many owners are subsequently confronted with vehicle insurance problems. Small print which negates cover due to minor or major modifications is often discovered too late - after the accident.

Australian 4WD are aware that standard vehicles often can't do the job, nor can standard insurance policies

So we have designed and negotiated insurance cover specifically for 4WD owners.

Australian 4WD Insurance today is able to offer you insurance that will protect your investment and give you peace of mind Australia-wide, on and off gazetted or public roads.

Special features of this policy:

Full off road cover anywhere in Australia
Cover for imported 4x4s
Australia-wide coverage for drivers 25 and over
No exclusions for modifications
A new vehicle if yours is written off in a collision within two years of manufacture (before 30,000 kilometres)
Emergency repairs after a collision or theft
Temporary accommodation if your vehicle is disabled or stolen more than 100 kilometres from home
Cover for damage to a towed trailer
Cover for personal belongings, portable refrigerators and camping equipment
The cost of hiring a vehicle (for up to 14 days) if your vehicle is stolen
Windscreen claims do not affect your No Claim Bonus
Faultless No Claim Bonus and Faultless Excess
Protected maximum No Claim Bonus
$20,000,000 legal liability for Property Damage
Pay by the month premiums available at no extra cost
No limit on the amount of accessories fitted
Standard excess applies to off road accidents
Choose your own repairer

Sound good to me. Just in time since my renewal is coming up next month! As long as the premium is competative!

Group discount anybody? :toot:

[Bigrig]

From their website... http://www.dgainsurance.com.au/4wd.htm

The Policy:

Managed by DGA Insurance Brokers

For more than a decade DGA has been servicing the insurance needs in the 4WD industry.

As market leaders in 4WD Insurance, DGA has earned a reputation for total reliability and superior customer service.

Specialist insurance for your vehicle

The makes and models of 4WD vehicles available today are as varied as the needs of their owners: city driving, highway towing, outback touring, off-roading and farming. Now, protection for your "whole vehicle" is here through Australian 4WD Insurance. All you have to do is nominate the value adding equipment to be insured.

Many 4WD owners fit aftermarket accessories to obtain the best possible performance and protection. Sometimes the unavoidable happens and many owners are subsequently confronted with vehicle insurance problems. Small print which negates cover due to minor or major modifications is often discovered too late - after the accident.

Australian 4WD are aware that standard vehicles often can't do the job, nor can standard insurance policies

So we have designed and negotiated insurance cover specifically for 4WD owners.

Australian 4WD Insurance today is able to offer you insurance that will protect your investment and give you peace of mind Australia-wide, on and off gazetted or public roads.

Special features of this policy:

Full off road cover anywhere in Australia
Cover for imported 4x4s
Australia-wide coverage for drivers 25 and over
No exclusions for modifications
A new vehicle if yours is written off in a collision within two years of manufacture (before 30,000 kilometres)
Emergency repairs after a collision or theft
Temporary accommodation if your vehicle is disabled or stolen more than 100 kilometres from home
Cover for damage to a towed trailer
Cover for personal belongings, portable refrigerators and camping equipment
The cost of hiring a vehicle (for up to 14 days) if your vehicle is stolen
Windscreen claims do not affect your No Claim Bonus
Faultless No Claim Bonus and Faultless Excess
Protected maximum No Claim Bonus
$20,000,000 legal liability for Property Damage
Pay by the month premiums available at no extra cost
No limit on the amount of accessories fitted
Standard excess applies to off road accidents
Choose your own repairer

Sound good to me. Just in time since my renewal is coming up next month! As long as the premium is competative!

Group discount anybody? :toot:

I'd be more than interested to get a quote from them.

AB

Hmmmm ... making contact on behalf of a forum where they could potentially pick up heaps of vehicles if the rate was right sounds appealing ... don't you think?? lol

[AB]

Sounds like a plan stan.

If we can get 10 people reply to this post mentioning they are keen to switch over and are 100% keen on doing this then I have no hesitation in approaching them for a group deal for sure!

[Bigrig]

Sounds like a plan stan.

If we can get 10 people reply to this post mentioning they are keen to switch over and are 100% keen on doing this then I have no hesitation in approaching them for a group deal for sure!

I just rang them to test the water - quoted me "market value" on vehicle and modifications (so depreciated value of accessories/mods - not replacement value).

92 Ti Wagon - $6600
No limit on accessories (I listed $16000 worth, and would subsequently assume that means some calculated figure of return from there - not 100% of this value in event of write off).

$887 per year ...

Still worth posing the question I suppose.

EDIT: had no problem with insuring any mod so long as engineered - no problem with turbo, suspension lift, fuel system, etc

[Rip'n'Shred]

I will be keen when I get my new patrol.

[taslucas]

Do they cover tyres? My insurance wouldn't cover wheels and tyres.:(


Lucas

[ozzyboy]

Definantly interested. Looking for insurance at moment so will be watching this thread :)

[Timbo]

They cover anything listed as a Mod Lucas.

I just emailed Susan to remind her to send out my Insurance pack.

[Tweakedoffroad]

count me in im up for new insurance

[Bigrig]

Looks like a call is on order AB - whaddyareckon??

[taslucas]

I just rang them to test the water - quoted me "market value" on vehicle and modifications (so depreciated value of accessories/mods - not replacement value).

92 Ti Wagon - $6600
No limit on accessories (I listed $16000 worth, and would subsequently assume that means some calculated figure of return from there - not 100% of this value in event of write off).

$887 per year ...

Still worth posing the question I suppose.

EDIT: had no problem with insuring any mod so long as engineered - no problem with turbo, suspension lift, fuel system, etc

So where do they draw the line between "any mod is covered" and "insuring any mod so long as its engineered"?. My trol is still legal, so that would mean that any mod is covered??
And Im guessing its Full Comprehensive including fire, theft, at fault accidents and any driver (25 and over as it says)?

Anyway, Just hooked out my insurance bits and pieces. Having compared mine to the above, i think im up for a change over. I would be interested in putting my name down if theres a group buy up.
Sounds good

[Johan Safari]

+1 Count me in !

[AB]

Alright alright alright...lol

Leave it with me!

[the evil twin]

Interesting...

They will need to sharpen their pencil to get me to switch from TCIS ($48,000 cover at just over $1,000 premium) but always looking.

I would have two questions...
Who is the underwriter (Alliance QBE etc etc)?
There is a BIG difference between "any mod" and "any engineered mod" so I would want their definition in writing

I have a gut feeling looking at the premuims that for the extra money they are taking on the risk of engineered mods that other companies won't cover, could easily be wrong tho.
If it is engineered mods (Eg engineered & certified 5 inch lift) then that is great coverage.
If it is non-engineered mods (non-certified) then that is gobsmackingly good cover

[Timbo]

Alliance is the under writer.

It's any modification that is bolt on from my understanding ET. If you're going to put in a V8 that doesnt come standard in that model of car, then it needs to be engineered. If you are making a limosine out of your patrol, engineers cert. If you are making it into a dual cab ute, need a engineers cert.

Mods like wheels, suspension, body lifts, turbos, manifolds, heads etc.. do not need engineers certificates to be covered. Will you be road legal? NO.. will you be insured in case of accident? YES.

Basically they are saying, they will cover you with any mod as long as it's not massively changing the dynamics of the car I guess.

I'm currently emailing Susan again because they sent out the wrong Endorsement page with my Tax Invoice.

Basically, there is a line in the endorsement that I had changed and it reads something like;

"Vehicles can have any modification added to vehicle which is classed as road worthy with the RTA in your state"

I thought.. hmm.. this is a sneaky way to get out of a claim.. So i had Susan change it too (basically saying);

"Your vehicle can have any modification added to vehicle".

[taslucas]

Sounds good timbo. Do ya reckon we would get the amended document if we went ahead with the group deal?

Lucas

[Timbo]

Well Susan said she had a few people wanting it changed so she changed it for good. It should be ammended for good now.

[AB]

I have contacted these guys and waiting for a reply too.

[taslucas]

Well Susan said she had a few people wanting it changed so she changed it for good. It should be ammended for good now.

That's great. it almost sounds too good to be true! So all the regular stuff covered by full comprehensive and any accessory or mod covered anywhere you drive.

Lucas

[purts pup]

Well i have been with DGA over 5 years now, every time my renewal is up, its always $200-$300 dearer than the previous years. how come, well the first time i was told because of the CPI, the second time was it was because of how much every day living costs (isn't that CPI)the third and final time was because of the natural disasters, every time i ring them they tell me that if i can supply a quote they would near match it, and i do supply them one every time and yep they come to the party. BUT again it (insurance) is due again i rang again told them that they try and do this every year but since they changed there insurer from CGU to ALLIANZ they wont come to the party and the lady i was talking to was extremely rude about it. i email susan and with in 30 mins i had a phone call from her wich was quiet plesant. she was extremely upset about the way i had got treated on the phone, unfortuntly i could not remeber the ladys name who i was talking to. so at the end off all this it came out all good . so if you have any problems do not hesitate to contact her and im sure they will do a grate deal for a combination of 4x4ers,

[Tweakedoffroad]

I have contacted these guys and waiting for a reply too.

Hey mate heard anything yet

[AB]

Hey mate heard anything yet

I had a reply saying they will work something out and get back to us on this thread very soon....Yep!!!:rolleyes:

[the evil twin]

This could be really... uuummmmm... interesting.

Allianz was the sole provider but is one of now two underwriters for TCIS Insurance Brokers who got the guernsey from the various submissions from Insurance Brokers nationwide for the National Council for the clubbies affiliated to the peak body.

Here's the thing. Allianz offer a product called their 'Prestige Policy' or similar around which the 4WD Policy from TCIS is based. I have also been told you can't get this off the street as it is a brokered package offering but that may be rubbish however no reason that DGA can't access it as the operate as a brokerage.

Anyway, most importantly there is a seperate additional Schedule from TCIS and Allianz (on shared letterhead) attached to the standard PDS which has further exemptions and coverage over and above Allianz's published offering.

Bottom line is that it will be very interesting to compare the PDS, Schedule and Prices in light of Allianz's statement that the additional PDS and Schedule were only available to ANFWDC affiliates. For what it's worth I am paying under 2.0% for coverage (vehicle, mods and extra's totalled). Sorry for being coy but if that doesn't make sense then purely hypothetically $50,000 cover should come in at $1,000 premium or less.

Bottom bottom line... if we get a decent offering from DGA then I am IN

[AB]

They finally got back to us and they will be on the forum soon to chat with us about discount's so stay tuned.

Just so everyone knows they are not associated with the forum in one bit nor are we getting any kick backs or anything so It's entirely up to them what they offer and what they can do for us and entirely up to you in what you decide individually.

Stay tuned!

Below is a summary of the email I received...


1.We will join the forum and monitor it each day to view and respond as necessary to any postings your members may make

2. The underwriters, Allianz, won't allow us such a thing as a bulk discount for any particular group. They calculate a particular premium for each vehicle and drivers, given a specific set of circumstances.

3. However, we can build in a discount on a case by case basis if your members identify themselves as such, when dealing with our staff. The rate of this discount will vary due to the many and varied situations with 4wd vehicles, particularly serious heavily modified ones for serious off roaders. To give you a rough guide this discount would probably be in the 5-10% range.

4. Im sure we won't be able to satisfy everyone but at the very least will be able to confirm to your members the cost of their current cover is competitive for a similar range of cover and benefits. We will point out what their current insurers aren't covering and this will allow them to make an informed decision on whether any difference in premium is worthwhile

5. In addition if your members have any general insurance enquiries we would be happy to respond to any queries they may have or quote, via email or phone, as I assume you would prefer to keep the forum strictly 4WD related. We also offer insurance covering:
- cars, caravans and campers
- house and contents
- boats and pleasure craft
- business insurance

[Winnie]

It's a shame they don't cover under 25s... we need cover too!

[Malgreen]

I WANT TO CRY.... !!! i just renewed my insurance with RACQ .. :-(
oh well,, i will be looking into these guys in the next 9 months...

[DGA Insurance Brokers]

Hi All

It's DGA Insurance Brokers here.

At the invitation of Andy we have joined the forum to hopefully assist you with any insurance queries you might have, as well as offer members a discount on their premiums

We notice the idea of a bulk discount to members in the thread. The underwriters cant offer us a standard discount rate across the board due to the huge range of variables with 4WD's accessories, mods and driver experience etc

However, we can provide you with a discount if you identify yourself as a member of the forum, when you first deal with our 4WD specialists (Susan or Kylie). The rate of this discount will vary due to the many and varied situations with 4WD vehicles, particularly very heavily modified ones for serious off roaders. Obviously it still comes down to the end premium we can get for you and what your coverage requirements are. We are happy to give it a go, and hopefully can help most of you

I'm sure we won't be able to satisfy everyone, but at the very least will be able to confirm to your members that the cost of their current cover is at least competitive for a similar range of cover and benefits, to allow you to make an informed decision on whether any difference in premium is worthwhile to to you

Please refer to our website for further details of our 4WD cover etc at www.dgainsurance.com.au

We will monitor the thread and respond to any queries that are posted to help keep everyone informed

Our other contact details are as follows:

Free call: 1800 800 471
Phone: (03) 8636 9000
Fax: (03) 8636 9001
Email: info@dgainsurance.com.au

In addition if your members have any general insurance enquiries we would be happy to respond to any queries they may have or quote, via email or phone.We also offer insurance covering:
- cars, caravans and campers
- house and contents
- boats and pleasure craft
- business insurance


Regards

DGA

[Dhuck]

I am liking DGA already just from reading some stuff on there site. I might be able to insure the pigtrol.

[BigMav]

Just got a letter from Suncorp today telling me that my Nissan Navara is too great a risk to insure as it has too many accessories fitted and the only way they will continue to insure it is if my excess is doubled. I have sent DGA an email and we will see what they can do. This is after I have had two cars insured with them for more than 10 years. I am calling them tomorrow to remove all policies (including my CTP insurance on both cars) as I can't believe that they would treat customers in this way.

[DSPIES]

my quote from DGA specifically states in the not so fine print:
"PLEASE NOTE YOUR VEHICLE CAN HAVE ANY MODIFICATION ADDED TO VEHICLE AS LONG AS YOU CAN SUPPLY A ENGINEERS CERTIFICATE."

Hmm i would interpret that to mean if you could, not 'you must'.

But this does suggest that modifications that can't be engineered, are not insured.

[PyroMANIAC]

100% interested just got a GQ with a 4 inch lift, plans for an aftermarket turbo!!!...... will be watching this thread for sure!! Chers guys!!

[GQSWB]

very helpful post, thanks

[gu4500]

I will also say that I have had insurance through DGA for years, its not my cheapest MV policy, but have never had to claim on it apart from a windscreen (excess free). Is probably on par with my 2011 Subaru Liberty (both about $800).

The modification wording has changed over the years from ANY mod to any legal modification - was in the last couple of years.

[SonOf]

Just got a quote from DGA - Offered market value of $21k and added $6k of extras. Windscreen cover and lokcing in my NCB at t eh top level and it only came in at $728.46. Beats the hell out of AAMI's market value of $8k and at the same premium cost, not to mention the additional coverage for off road.

I noted someone asked if tyres were covered and from reading the policy - nope

I have attached a copy of the policy which is underwritten by Allianz for reference if anyone esle is interested.

Have to say, got great service and will be calling AAMI this weekend to say bye!

[Winnie]

I was covered by DGA for a good 12 months on both my Patrols for market value plus accessories, they emailed me one day to tell me that my accessories would no longer be covered, I have since found a better policy with TGIS where they will cover market value plus $5000 for accessories, $1000 of personal effects, $2000 worth of spare parts carried. All under the same underwriter (Allianz), Premium is $120 dearer p.a. and excess is the same.

[SonOf]

weird, they allowed me $6100 for my accessories (their max allowed limit) on top of the market value of 21k,

[Winnie]

Yeah I read that, strange as they would not do anything for me.

[SonOf]

it seems to be down to the experience of the person over the phone, would be nice if the extra cover would go higher seeing as $5/$6k is not lot of extras but better than nothing.

[04OFF]

I had very little joy with DGA myself , if your car has lots of mods, but is still legal, i suggest you talk to these guys......

http://www.affinityib.com.au/Insurance-Products-4WD-Insurance

I got a much better deal than offered by DGA and AAMI, my previous insurer.

[Winnie]

They would not touch me because the mods are worth more than the car.

[PMC]

Yeah I read that, strange as they would not do anything for me.

Like the Mars bar add kid! Its about responsibilities. lol

PS, my wife and i will be getting a quote for our Patrol soon, will keep you all informed.

Regards,

RLI

[SonOf]

I had very little joy with DGA myself , if your car has lots of mods, but is still legal, i suggest you talk to these guys......

http://www.affinityib.com.au/Insurance-Products-4WD-Insurance

I got a much better deal than offered by DGA and AAMI, my previous insurer.

Got a quote from these guys - about $400 more than DGA, but better on agreed value and the additioanl extra coverage was good to.

[Stropp]

yup i have mine insured thru affinty for 47.5k cost 1300 per year anywhere in australia.

[PMC]

yup i have mine insured thru affinty for 47.5k cost 1300 per year anywhere in australia.

G'day Stropp,

I sent in an e-mail quote yesterday, i am looking at insuring my 2002 GU 4.2TD ST Patrol wagon for around $35,000, even though i do have over $18,000 worth of accessories and mods done to the Patrol. For the year with only 230,000ks on the clock i think is an reasonable amount to insure my vehicle for.

DGA have not got back to me at present and i sent a quote in 4 days ago!

PS, Coles supermarket insurance have quoted us $985.00 for $35,000 with all mods and accessories listed.

Regards

Paul

[Stropp]

G'day Stropp,

I sent in an e-mail quote yesterday, i am looking at insuring my 2002 GU 4.2TD ST Patrol wagon for around $35,000, even though i do have over $18,000 worth of accessories and mods done to the Patrol. For the year with only 230,000ks on the clock i think is an reasonable amount to insure my vehicle for.

DGA have not got back to me at present and i sent a quote in 4 days ago!

PS, Coles supermarket insurance have quoted us $985.00 for $35,000 with all mods and accessories listed.

Regards

Paul

hi Paul, yes thats very reasonable, mine is with 2k of camping gear and all the accessories on the vehicle although when i added the rooftop tent they said its noted but would not increase the value as mine is a dx not st. Im happy with 47.5 as rac would only go to 34k with everything, this deal with affinty was by far the best.