Club 4X4 - Insurance for 4X4 Enthusiasts

We have this insurance, but unfortunately also have had to make a claim.
Sent all we were asked for then heard nothing, just wanted to know it was received. We have no idea how it is going which would be nice.
Another email was sent that was replied to thankyou, it confirmed the information was in fact received.
Lacking experience in making a claim like this so not sure whether to pester you for a progress report or not?
We can not say this has been a pleasant experience for us but will continue to be patient.
Some blunt questions need to be asked, accepted, it's still not easy to be put on a spot as if we are trying to be fraudulent.
It's hard reading all the positives here, it's when a claim is made that the true test of the fine print is revealed.
We wait to hear from you.
Yours Iain & Pauly Maclean

Quote:

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Originally Posted by macca

We have this insurance, but unfortunately also have had to make a claim.
Sent all we were asked for then heard nothing, just wanted to know it was received. We have no idea how it is going which would be nice.
Another email was sent that was replied to thankyou, it confirmed the information was in fact received.
Lacking experience in making a claim like this so not sure whether to pester you for a progress report or not?
We can not say this has been a pleasant experience for us but will continue to be patient.
Some blunt questions need to be asked, accepted, it's still not easy to be put on a spot as if we are trying to be fraudulent.
It's hard reading all the positives here, it's when a claim is made that the true test of the fine print is revealed.
We wait to hear from you.
Yours Iain & Pauly Maclean

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Macca.

This is a very serious situation and I appreciate you bringing it up.

Can you please message me your claim number and I will chase it up with urgency and ensure you get a call tomorrow

Thank you

Kalen


Sent from my iPhone using Tapatalk

Quote:

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Originally Posted by Club 4x4

Macca.

This is a very serious situation and I appreciate you bringing it up.

Can you please message me your claim number and I will chase it up with urgency and ensure you get a call tomorrow

Thank you

Kalen


Sent from my iPhone using Tapatalk

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Kalen has been good enough to get in touch with me, we are communicating in private and hope to get some answers over the next few days.

Communication lines might open up a little more now, that is all that can be reasonably asked for.

Please understand my dealings with this company have be fantastic and after my experience with their sales rep I sang their praises to our local 4x4 club which I am president of.

I have no reason at this point in time to change my opinion.

Must say I'm a little disappointed.

I did an online quote last week as my current insurance is up for renewal.
Did the right thing and disclosed all previous damage. Some of you would know what that is dent in the door and broken rear tail light surround, light still works.

Apparently the underwriter has declined to cover my vehicle due to this damage.

I understand where they're coming from, but to not insure it at all. I would have thought that as long as it's disclosed it would have been OK, but apparently not..

Sent from my XT1068 using Tapatalk

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".

I recently asked for a quote and was told I would be contacted by someone and as yet have not had anyone from Club 4x4 contact me.

Quote:

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Originally Posted by gubigfish

I recently asked for a quote and was told I would be contacted by someone and as yet have not had anyone from Club 4x4 contact me.

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Give it a few days mate, they'll get there or call them yourself and quote your quote number.

Sent from my XT1068 using Tapatalk

Hi Jay See,

Apologies that you've found yourself in this situation. Every insurer has criteria that they abide by and this is just one of ours.

Without trying to crawl out of it, I've worked for various insurers in my time and the overwhelming majority would be in the same boat. Some may not ask up front but you may get a shock when you need to claim.

Cheers

Elz,

No problem.

Regarding the fuel contamination, yes the first step would be to provide some sort of proof that fuel was purchased from the given outlet. The next step will be to ascertain that the damage is actually as a result of fuel contamination. This will require assessment by a mechanic and our own engineers.

With reference to your hypothetical questions - i can understand exactly what you're asking and what you're after.

I need to be very careful however in the way that i answer these Elz as i don't want anyone to get the misconception that we endorse illegal modifications, nor do i want to give the impression that regardless of what one does to a vehicle, legal or not, there will be a provision of coverage regardless of the scenario. Every case is dealt with in it's own merits, but as a general rule as i said in the last post, if it is found that the vehicle was not roadworthy in its modifications and those modifications could have contributed to the incident then it will be a refusal or reduction of acceptance of claim.

The above thoughts are relevant to both your comprehensive vehicle insurance and your off-road recovery cover

hoping this helped.

Quote:

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Originally Posted by Elz

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".

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Quote:

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Originally Posted by gubigfish

I recently asked for a quote and was told I would be contacted by someone and as yet have not had anyone from Club 4x4 contact me.

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Hey Gubigfish. Sorry about the delay - if you still haven't had a call please message me your details and i get the guys to put you at the front of the queue.

We are currently recruiting and hopefully putting on 2 or 3 new staffers in the next week or two.

Cheers

I've been meaning to call you guys to take you up on your camper trailer insurance. I managed to get an online quote and it was cheaper than I thought it would be.
Just need to find the time.

Thanks mate,

Completely understand where your coming from, thats totally fair enough.

I will submit an application for a quote and go from there. Looking forward to seeing what Club 4x4 can offer.

Ps this has been my most interesting conversation about insurance to date! (not hard to understand why lol)

Quote:

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Originally Posted by Club 4x4

Elz,

No problem.

Regarding the fuel contamination, yes the first step would be to provide some sort of proof that fuel was purchased from the given outlet. The next step will be to ascertain that the damage is actually as a result of fuel contamination. This will require assessment by a mechanic and our own engineers.

With reference to your hypothetical questions - i can understand exactly what you're asking and what you're after.

I need to be very careful however in the way that i answer these Elz as i don't want anyone to get the misconception that we endorse illegal modifications, nor do i want to give the impression that regardless of what one does to a vehicle, legal or not, there will be a provision of coverage regardless of the scenario. Every case is dealt with in it's own merits, but as a general rule as i said in the last post, if it is found that the vehicle was not roadworthy in its modifications and those modifications could have contributed to the incident then it will be a refusal or reduction of acceptance of claim.

The above thoughts are relevant to both your comprehensive vehicle insurance and your off-road recovery cover

hoping this helped.

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Quote:

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Originally Posted by Elz

Thanks mate,

Completely understand where your coming from, thats totally fair enough.

I will submit an application for a quote and go from there. Looking forward to seeing what Club 4x4 can offer.

Ps this has been my most interesting conversation about insurance to date! (not hard to understand why lol)

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Thanks Elz,

We aren't all cardigan wearers after all :animierte-smilies-t

mate you can get a quote online (just be mindful if the vehicle is heavily modified it will require call centre intervention) or simply call us on 1800 CLUB 4X4 - 9-5 AEST (for the moment)

Cheers

Elz,

Having worked for an insurance company for over 35 years I have become aware of some 4WD claim refusals. One of the most common 4WD claims refusals was legal tyre sizes. One in particular comes to mind of an older 4WD ( GQ I think ) with 35inch tyres, which was hit from behind at a set of lights by a prime mover. The damage to the 4WD was extensive enough to right it off. This claim was refused because it was considered "an un-roadworthy vehicle, fitted with illegal sized tyres", and therefor should not have been driven on the road.
I far as I remember at that time, after it went to court, the damage claim was never paid on the 4WD and the prime mover's insurance was chasing the 4WD owner for the recovery of the funds they paid out.
My point is this ..... no insurance company is your friend, and if an insurance company do'nt pay out and the whole thing goes to court, if your 4WD is illegal in any way.... you will lose.

Morning all,

Firstly, Bazza - some interesting points made there from someone experienced in the game. I guess it just pays to ensure your vehicle is legal - from a policing standpoint and insurance too.

Secondly, i am on the lookout for a stock GU to use in our upcoming marketing campaigns. It has to be stock, in particular, with no front bar, and most preferably white.

Hoping for a later model one 2010 onwards. A $100 cash card to whoever gets selected.

Show me what you've got guys - some full front shots would be great.

Cheers

Thanks Bazza,

Really interesting to get insight from someone with relevant industry experience.

You have reaffirmed my thought process on these matters. Mainly that any insurance company will look for "outs" in the event that they are faced with a claim. Its fair enough i guess, its a business after all.

I would love to hear from anyone who has experienced the other side of the coin, i.e having a claim paid out with "illegal mods" fitted. Interested in tires, bigger lifts, anything really, even EGR blanking plates!
Direct experience please, not the classic, my mates, sisters, friend knows a guy who.... :)

On another note,

I did get a quote form Club 4x4, but i find it ridiculously exorbitant. $51k agreed value, $1950 per year with $650 excess...

I've aware of the "many factors" used to arrive at these figures (although I think insurance company's like to hide behind these to avoid giving explanations for their prices).

Extra info for those interested, I am in the 30+ age bracket, have a clean driving record and have no insurance claims to my name (except one windscreen replacement due to a stone chip caused by a passing truck). The vehicle is kept off the street in a good area in Melbourne. Its also not my daily driver so is only used when I go on trips.

I will be going some more shopping around.

Quote:

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Originally Posted by bazzaboy

Elz,

Having worked for an insurance company for over 35 years I have become aware of some 4WD claim refusals. One of the most common 4WD claims refusals was legal tyre sizes. One in particular comes to mind of an older 4WD ( GQ I think ) with 35inch tyres, which was hit from behind at a set of lights by a prime mover. The damage to the 4WD was extensive enough to right it off. This claim was refused because it was considered "an un-roadworthy vehicle, fitted with illegal sized tyres", and therefor should not have been driven on the road.
I far as I remember at that time, after it went to court, the damage claim was never paid on the 4WD and the prime mover's insurance was chasing the 4WD owner for the recovery of the funds they paid out.
My point is this ..... no insurance company is your friend, and if an insurance company do'nt pay out and the whole thing goes to court, if your 4WD is illegal in any way.... you will lose.

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Unfortunately, many people get into the habit of just renewing their policies every year without checking other company's prices. I too was guilty of it for a while. In my opinion there is no such thing as company loyalty, they don't care about you, only your money. It was different many years ago when there wasn't as many companies offering car insurance. That is the nature of the business now. We now have phone companies and supermarkets selling insurance in a limited market. There is only a certain amount of people in Australia buying car, property, or life insurance, that's why many insurance companies, specially the big ones, are now relocating their main offices or new start subsidiary offices in the Asian countries where there are many more people, opportunities, and money. I also predict that within the next few years, many insurance policies will only be available on-line as this minimizes their costs.

Knowing all this , you need to look and all the available options in Australia and overseas. Last year I was insured by Barkleys in the UK, via an Australian broker. I took their agreed value policy with a agreed higher excess. This suited me and was the cheapest policy I'd had in years. It cost me about $650 per year with a $2,000 excess for $55,000. I have never had a claim that was my fault and had to pay the excess.
This may not suit you but you need to make the time to check all options. I find brokers are good value as they work for you and get paid by the company they sell you on.
All this can be time consuming but you can save hundreds of dollars if you look.

Now it's my turn to do the same ..... my insurance is coming due soon.

Quote:

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Originally Posted by Elz

Thanks Bazza,

Really interesting to get insight from someone with relevant industry experience.

You have reaffirmed my thought process on these matters. Mainly that any insurance company will look for "outs" in the event that they are faced with a claim. Its fair enough i guess, its a business after all.

I would love to hear from anyone who has experienced the other side of the coin, i.e having a claim paid out with "illegal mods" fitted. Interested in tires, bigger lifts, anything really, even EGR blanking plates!
Direct experience please, not the classic, my mates, sisters, friend knows a guy who.... :)

On another note,

I did get a quote form Club 4x4, but i find it ridiculously exorbitant. $51k agreed value, $1950 per year with $650 excess...

I've aware of the "many factors" used to arrive at these figures (although I think insurance company's like to hide behind these to avoid giving explanations for their prices).

Extra info for those interested, I am in the 30+ age bracket, have a clean driving record and have no insurance claims to my name (except one windscreen replacement due to a stone chip caused by a passing truck). The vehicle is kept off the street in a good area in Melbourne. Its also not my daily driver so is only used when I go on trips.

I will be going some more shopping around.

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Gday Elz,

Really sorry that we couldn't give you an appropriate solution for your needs. Each persons' scenario is slightly different, but these differences can translate into larger differentials in the quote at the end.

Hopefully you can find the right solution for your needs but please do try us again next year.

Kal

Quote:

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Originally Posted by bazzaboy

Unfortunately, many people get into the habit of just renewing their policies every year without checking other company's prices. I too was guilty of it for a while. In my opinion there is no such thing as company loyalty, they don't care about you, only your money. It was different many years ago when there wasn't as many companies offering car insurance. That is the nature of the business now. We now have phone companies and supermarkets selling insurance in a limited market. There is only a certain amount of people in Australia buying car, property, or life insurance, that's why many insurance companies, specially the big ones, are now relocating their main offices or new start subsidiary offices in the Asian countries where there are many more people, opportunities, and money. I also predict that within the next few years, many insurance policies will only be available on-line as this minimizes their costs.

Knowing all this , you need to look and all the available options in Australia and overseas. Last year I was insured by Barkleys in the UK, via an Australian broker. I took their agreed value policy with a agreed higher excess. This suited me and was the cheapest policy I'd had in years. It cost me about $650 per year with a $2,000 excess for $55,000. I have never had a claim that was my fault and had to pay the excess.
This may not suit you but you need to make the time to check all options. I find brokers are good value as they work for you and get paid by the company they sell you on.
All this can be time consuming but you can save hundreds of dollars if you look.

Now it's my turn to do the same ..... my insurance is coming due soon.

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G'day Bazza,

I completely respect your views here and appreciate you calling them out.

A few things that i will call out from my own experience working with mainstream, but also with enthusiast insurance brands over my short 20 or so years.


Many people truly don't understand what they are or not covered for. Now i'm not disputing the fact that reading through these documents is about as exciting as watching paint dry (and i've done that for a crust in my time too!), but i believe that the market, including insurance providers, aggregators and finally customers have created a focus so intent on driving down price that this becomes the sole criteria when shopping. You've expressed this in the first line of your response, so for you, price is the most important factor and this is absolutely fine.

Many people have a view of insurers and their intent to always minimise costs but i wonder how many times a claim has been refused and it's actually as a result of the policyholder not adequately understanding their coverage and their responsibilities when taking a policy out. Things like the duty of disclosure (the spiel you'll hear or read before every insurance quote) call out these responsibilities. When you're so focused on getting the price to move to the next insurer, how could you expect to actually absorb that sort of information, or read that question in the quote appropriately? I'm a customer too and i will say, you wont! You will dash through, it write down the premium and make the next call.

As enthusiasts, looking for enthusiast cover, the process of understanding what you're covered for is all the more important. Combine that with a brand new player like us, where the coverage cannot be replicated elsewhere, your need to fully understand is compounded again.

My message here is that yes, price is important. But, there should always be a balance where you understand the coverage as well.

I think you guys should be paying me commission 4 customers signed up with you guys from my efforts and I think another just moved his camper trailer across

That's just directly I think a few more have signed up through them also...

Sent from my E6653 using Tapatalk

Quote:

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Originally Posted by lucus30

I think you guys should be paying me commission 4 customers signed up with you guys from my efforts and I think another just moved his camper trailer across

Sent from my E6653 using Tapatalk

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Haha same here. There are a few from my 4WD club now that have signed up

Quote:

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Originally Posted by Club 4x4

G'day Bazza,

I completely respect your views here and appreciate you calling them out.

A few things that i will call out from my own experience working with mainstream, but also with enthusiast insurance brands over my short 20 or so years.


Many people truly don't understand what they are or not covered for. Now i'm not disputing the fact that reading through these documents is about as exciting as watching paint dry (and i've done that for a crust in my time too!), but i believe that the market, including insurance providers, aggregators and finally customers have created a focus so intent on driving down price that this becomes the sole criteria when shopping. You've expressed this in the first line of your response, so for you, price is the most important factor and this is absolutely fine.

Many people have a view of insurers and their intent to always minimise costs but i wonder how many times a claim has been refused and it's actually as a result of the policyholder not adequately understanding their coverage and their responsibilities when taking a policy out. Things like the duty of disclosure (the spiel you'll hear or read before every insurance quote) call out these responsibilities. When you're so focused on getting the price to move to the next insurer, how could you expect to actually absorb that sort of information, or read that question in the quote appropriately? I'm a customer too and i will say, you wont! You will dash through, it write down the premium and make the next call.

As enthusiasts, looking for enthusiast cover, the process of understanding what you're covered for is all the more important. Combine that with a brand new player like us, where the coverage cannot be replicated elsewhere, your need to fully understand is compounded again.

My message here is that yes, price is important. But, there should always be a balance where you understand the coverage as well.

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Hi,

Please don't think that I'm out just to bag your company, that is not the case. I dislike ALL insurance companies equally. It is the nature of all vehicle insurance in this country that rubs me the wrong way. Sell a product for the highest price possible, while being exposed to the least possible risk, and with the greatest possibility of declining the claim. Indirectly, that statement is the creed of all insurance.

The American vehicle insurance is a much better and fairer method ... insure the driver, not the vehicle. Unfortunately, that will never happen in Australia because of our much smaller population of possible policy holders and the need to acquire more revenue for our excessive amount of insurance providers. This is why many companies see the Asian market as the next "goldmine".

Anyway ...... your message. "price is important, but there should always be a balance where you understand the coverage as well".

Price IS extremely important to the prospective policy holder, as is understanding the coverage, but reading the "fine print" or PDS ( policy disclosure statement ) is CRITICAL. You will discover that nearly all standard vehicle policies have the same "exclusions" ( non-disclosure, roadworthy requirement, existing damages, previous claims ...ect.... )

A number of insurance companies are now claiming to be better than others because they cover all your accessories. Don't be fooled, you will be indirectly paying for it. I would rather pay to replace any stolen accessories than "inflate" the policy cost. All company's have done their homework and know the statistics of total vehicle loss against stolen accessory claims. They will always be in front.

In conclusion ........

IMO, cost is the only difference between all of them. So, after checking everything's equal, go for the cheapest price.


* Note : This is my personal opinion only and not intended to defame any particular company or individual.

Quote:

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Originally Posted by bazzaboy

Hi,

Please don't think that I'm out just to bag your company, that is not the case. I dislike ALL insurance companies equally. It is the nature of all vehicle insurance in this country that rubs me the wrong way. Sell a product for the highest price possible, while being exposed to the least possible risk, and with the greatest possibility of declining the claim. Indirectly, that statement is the creed of all insurance.

The American vehicle insurance is a much better and fairer method ... insure the driver, not the vehicle. Unfortunately, that will never happen in Australia because of our much smaller population of possible policy holders and the need to acquire more revenue for our excessive amount of insurance providers. This is why many companies see the Asian market as the next "goldmine".

Anyway ...... your message. "price is important, but there should always be a balance where you understand the coverage as well".

Price IS extremely important to the prospective policy holder, as is understanding the coverage, but reading the "fine print" or PDS ( policy disclosure statement ) is CRITICAL. You will discover that nearly all standard vehicle policies have the same "exclusions" ( non-disclosure, roadworthy requirement, existing damages, previous claims ...ect.... )

A number of insurance companies are now claiming to be better than others because they cover all your accessories. Don't be fooled, you will be indirectly paying for it. I would rather pay to replace any stolen accessories than "inflate" the policy cost. All company's have done their homework and know the statistics of total vehicle loss against stolen accessory claims. They will always be in front.

In conclusion ........

IMO, cost is the only difference between all of them. So, after checking everything's equal, go for the cheapest price.


* Note : This is my personal opinion only and not intended to defame any particular company or individual.

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Hey Bazza,

Mate i never thought you were bagging us out at all and hold no negative view of discussion and opinions - this is where i hope to have a brand that is different to the mainstream. Constructive feedback is critical to our ongoing improvement and it is exactly what has helped us improve our product over the last 12 months.

What i will say is that i am 100% glad you have stated the importance of "fine print"and PDS' in the same line as where you said "all insurers are the same" from the exclusion perspective. Whilst that may be true you don't want people to have the misconception that all policies are the same, because they are not.

Cheers

Kal

Good for C4x4 who are good enough to be active on an internet forum where "the gloves are off", so to speak. Kudos for this I say. Its only going to make the business better in my opinion.

Quote:

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Originally Posted by mudski

Good for C4x4 who are good enough to be active on an internet forum where "the gloves are off", so to speak. Kudos for this I say. Its only going to make the business better in my opinion.

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Agree wholeheartedly and, in my case at least, there is an education re the machinations of the industry at a 'local' level as such.
When the time comes to insure New Pig I'll be asking for a price!

Quote:

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Originally Posted by macca

We have this insurance, but unfortunately also have had to make a claim.
Sent all we were asked for then heard nothing, just wanted to know it was received. We have no idea how it is going which would be nice.
Another email was sent that was replied to thankyou, it confirmed the information was in fact received.
Lacking experience in making a claim like this so not sure whether to pester you for a progress report or not?
We can not say this has been a pleasant experience for us but will continue to be patient.
Some blunt questions need to be asked, accepted, it's still not easy to be put on a spot as if we are trying to be fraudulent.
It's hard reading all the positives here, it's when a claim is made that the true test of the fine print is revealed.
We wait to hear from you.
Yours Iain & Pauly Maclean

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We received good news today, more to come after we have had a chance to talk to them.

Thanks Kalen and Grant

Club 4x4 sent an email yesterday afternoon saying the claim had been approved, the repair was covered less the excess.
It was really good to hear that it had been settled and we are extremely grateful that they looked favourably on a situation that was out of the ordinary.
We had an emergency repair done before contacting them.
We as 4x4 users need to know that we can visit our great country in our vehicles and be safe in knowledge we have what is probably the best if not the only policy in our pocket if it goes bad.
Thanks to the team at Club 4x4.

Excellent!
I took out Club 4x4 insurance which sounded good, but nevertheless it felt like a bit of a gamble, being a then new & unknown company. Like any insurance it’s when a claim is made that it’s real worth is apparent. This first hand account of a claim outcome really is very reassuring, & I’m glad I chose to insure with them. I’m even more pleased for Macca as I had recommended Club 4x4 to him based upon my experience of signing up with them, & the well priced premium I paid.

Quote:

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Originally Posted by macca

Club 4x4 sent an email yesterday afternoon saying the claim had been approved, the repair was covered less the excess.
It was really good to hear that it had been settled and we are extremely grateful that they looked favourably on a situation that was out of the ordinary.
We had an emergency repair done before contacting them.
We as 4x4 users need to know that we can visit our great country in our vehicles and be safe in knowledge we have what is probably the best if not the only policy in our pocket if it goes bad.
Thanks to the team at Club 4x4.

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Happy for you mate glad it went well

Quote:

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Originally Posted by macca

Club 4x4 sent an email yesterday afternoon saying the claim had been approved, the repair was covered less the excess.
It was really good to hear that it had been settled and we are extremely grateful that they looked favourably on a situation that was out of the ordinary.
We had an emergency repair done before contacting them.
We as 4x4 users need to know that we can visit our great country in our vehicles and be safe in knowledge we have what is probably the best if not the only policy in our pocket if it goes bad.
Thanks to the team at Club 4x4.

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G'day Macca,

Sorry about the late response, been a madhouse around here :-)

I'm really glad that we were able to come through on our promise. As everyone here well knows and as echoed by Cuppa below - the proof in the pudding so to speak with any insurer is what they do at claims time.

Thanks also for taking the time out to share the message here - greatly appreciate it as it is very helpful in putting people's fears to rest somewhat. Looking forward to many more years as your insurer of choice.

I will forward on your thanks to Grant also.

Cheers


Kalen

Hi Kalen.
I just sent an email through regarding some extra goodies I have added to my Patrol, plus a copy of the approval certificate for the Engineers report.

Regards.
Mark.

Quote:

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Originally Posted by mudski

Hi Kalen.
I just sent an email through regarding some extra goodies I have added to my Patrol, plus a copy of the approval certificate for the Engineers report.

Regards.
Mark.

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G'day Mark,

No worries - did you send that to contactus@club4x4.com.au?

The team should respond back within the next day or two.

Cheers


Kalen

Yes i did Kalen.
Cheers.

Sent from my GT-N7105T using Tapatalk

Quote:

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Originally Posted by Club 4x4

G'day Macca,

Sorry about the late response, been a madhouse around here :-)

I'm really glad that we were able to come through on our promise. As everyone here well knows and as echoed by Cuppa below - the proof in the pudding so to speak with any insurer is what they do at claims time.

Thanks also for taking the time out to share the message here - greatly appreciate it as it is very helpful in putting people's fears to rest somewhat. Looking forward to many more years as your insurer of choice.

I will forward on your thanks to Grant also.

Cheers


Kalen

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Appreciate that Kalen, only telling it from my view. You guys and girls do alright.

Quote:

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Originally Posted by bazzaboy

Hi,

Please don't think that I'm out just to bag your company, that is not the case. I dislike ALL insurance companies equally. It is the nature of all vehicle insurance in this country that rubs me the wrong way. Sell a product for the highest price possible, while being exposed to the least possible risk, and with the greatest possibility of declining the claim. Indirectly, that statement is the creed of all insurance.

The American vehicle insurance is a much better and fairer method ... insure the driver, not the vehicle. Unfortunately, that will never happen in Australia because of our much smaller population of possible policy holders and the need to acquire more revenue for our excessive amount of insurance providers. This is why many companies see the Asian market as the next "goldmine".

Anyway ...... your message. "price is important, but there should always be a balance where you understand the coverage as well".

Price IS extremely important to the prospective policy holder, as is understanding the coverage, but reading the "fine print" or PDS ( policy disclosure statement ) is CRITICAL. You will discover that nearly all standard vehicle policies have the same "exclusions" ( non-disclosure, roadworthy requirement, existing damages, previous claims ...ect.... )

A number of insurance companies are now claiming to be better than others because they cover all your accessories. Don't be fooled, you will be indirectly paying for it. I would rather pay to replace any stolen accessories than "inflate" the policy cost. All company's have done their homework and know the statistics of total vehicle loss against stolen accessory claims. They will always be in front.

In conclusion ........

IMO, cost is the only difference between all of them. So, after checking everything's equal, go for the cheapest price.


* Note : This is my personal opinion only and not intended to defame any particular company or individual.

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To a degree I do agree with the comments as this is systemic across all insurance, not just motor vehicle, but, having been looking at insurance for a very highly modified vehicle I can honestly state that cost is not the only difference.

My biggest issue with insurance companies is not so much the accessories Perse' but rather things such as driving and coverage on non gazetteed roads. I do a lot this type of driving and from what I can understand, Club 4x4 do this type of coverage.

I have no allegiance to any insurance company but just as a comparison, I have had my Patrol GU 3l insured with a major Insurance company until I did an engine conversion. My previous insurance was for $26K, my new insurance is $62K. The base price with Club 4x4 came in about $100 more. By the time I added a few add one I think the premium came in at about $150 / year more.

I finally think Club 4x4 might actually be the first customer focused insurance company out there. Albeit they obviously have an under writer that sets the ultimate price but for bang for buck, I struggle to see anyone better for a highly modified vehicle that is typically outside the square.

Kindest regards
Rainey



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Hi,

Thank you for your quick responses to my previous comments. It is nice to be able to contact someone directly from an insurance provider on a special interest forum site. It is a very good initiative by Club 4x4.

I'm about to re-insure my 4X4 and have started the process of checking all policies available from all providers. I've just looked at your vehicle insurance PDS and was unable to find a definitive answer on a specific "excess payments" requirement. Question .... If I'm involved in a "no fault of my own " ) vehicle collision or I'm parked on a public street, if my vehicle is damaged or "written off", am I required to pay the excess if the driver at fault is identified?

Thank you

Quote:

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Originally Posted by bazzaboy

Hi,

Thank you for your quick responses to my previous comments. It is nice to be able to contact someone directly from an insurance provider on a special interest forum site. It is a very good initiative by Club 4x4.

I'm about to re-insure my 4X4 and have started the process of checking all policies available from all providers. I've just looked at your vehicle insurance PDS and was unable to find a definitive answer on a specific "excess payments" requirement. Question .... If I'm involved in a "no fault of my own " ) vehicle collision or I'm parked on a public street, if my vehicle is damaged or "written off", am I required to pay the excess if the driver at fault is identified?

Thank you

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Hi bazzaboy

The only time that you need to pay an excess is if you need to lodge a claim through us. This may be when:

1) You've been involved in an accident or your vehicle has been damaged and you're at fault and you want us to act on your behalf to have yours and a third party's vehicle repaired.
2) You've been involved in an accident or your vehicle has been damaged and you're not at fault. You may choose to claim with us because you cannot identify the person at fault, the person at fault is uninsured, or you're just not happy dealing with the 3rd party's insurer.

I hope this covers your question appropriately.

I am absolutely gutted and have been for nearly a month, the day Club4x4 approved our earlier claim for chassis damage I had an accident in the Patrol.
We were notified of the completed claim 2 hours after the accident, there was no celebrating at our place.

First up no one was hurt at the time and have not heard anything to the contrary since.
Second I destroyed a young persons first car, we can all remember how important that car was.
Third I had to call Club4x4 again, my fury aimed at myself was not measurable, as was the embarrassment.

From that day on I re-live the scene that unfolded in front of me constantly, only a few people know it happened, my children don't know yet.
I still have no idea what happened, just that I looked away from the road for a moment and hit a stationary? car in front of me at up to 45kph, like I said I have no idea.

That is my shameful dick head story.

Club 4x4 again has lived up to expectations, the first contact when I called said simply "that's what we have insurance for" didn't make me feel any better but it was nice she said that.

This morning the car was driven to our panel beater, a young guy who has taken over a very successful shop he worked for, albeit a lot smaller scale. The standard of work from the previous owner was outstanding and Con is doing all he can to carry that standard forward. He actually has a customers vintage Roll Royce in to be restored as well as the normal repairs found in shops all over the country.

Sadly I have to say again that Club4x4 are an amazing company, I am most grateful but can not be happy about saying it again at all.
Thanks again to the people at Club4x4 trying to provide the best service to 4x4 owners across our great land.

Cheers Macca

Quote:

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Originally Posted by macca

I am absolutely gutted and have been for nearly a month, the day Club4x4 approved our earlier claim for chassis damage I had an accident in the Patrol.
We were notified of the completed claim 2 hours after the accident, there was no celebrating at our place.

First up no one was hurt at the time and have not heard anything to the contrary since.
Second I destroyed a young persons first car, we can all remember how important that car was.
Third I had to call Club4x4 again, my fury aimed at myself was not measurable, as was the embarrassment.

From that day on I re-live the scene that unfolded in front of me constantly, only a few people know it happened, my children don't know yet.
I still have no idea what happened, just that I looked away from the road for a moment and hit a stationary? car in front of me at up to 45kph, like I said I have no idea.

That is my shameful dick head story.

Club 4x4 again has lived up to expectations, the first contact when I called said simply "that's what we have insurance for" didn't make me feel any better but it was nice she said that.

This morning the car was driven to our panel beater, a young guy who has taken over a very successful shop he worked for, albeit a lot smaller scale. The standard of work from the previous owner was outstanding and Con is doing all he can to carry that standard forward. He actually has a customers vintage Roll Royce in to be restored as well as the normal repairs found in shops all over the country.

Sadly I have to say again that Club4x4 are an amazing company, I am most grateful but can not be happy about saying it again at all.
Thanks again to the people at Club4x4 trying to provide the best service to 4x4 owners across our great land.

Cheers Macca

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Macca,

Disappointing on all accounts mate.

Really glad everyone involved was OK.

Metal and plastic can be fixed - humans are a bit more challenging.

Cheers

Kalen