Ok let me have the original quote looked at the determine if we can do something more on the vehicle itself.Quote:
Originally Posted by nissannewby
What's the year model and mileage?
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Ok let me have the original quote looked at the determine if we can do something more on the vehicle itself.Quote:
Originally Posted by nissannewby
What's the year model and mileage?
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2013 Y62 TI-L. This particular one has 90,000km on it.
This may change though depending on my thoughts when inspections are taken place.
Ok thanks. Will look into it and come back as soon as possible.Quote:
Originally Posted by nissannewby
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Thank you. Very prompt response.
@Club 4x4
Kalen
I have just done another online quote as the first vehicle fell through. The vehicle we are now purchasing has a higher buy price but I can still only have a maximum agreed value of the actual buy price. I do like some of your guys options but its just not quite competitive yet.
Regards
G'day NewbyQuote:
Originally Posted by nissannewby
Sorry about the delayed response. Thanks for the feedback. It might be worth your while calling us to ask for a higher value.
Tell them Kalen sent you from the Patrol forum
Kalen
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I'm going through a claim with Club4x4 for a minor incident the missus had last week in the Pajero. She was backing out of a drive and reversed into a car parked on the street. The damage is around the $1500 mark, minor scratch to the Paj but she busted a tail light and dented the guard on the other vehicle, which is a Nissan Pathfinder.
I find it odd that we are both required to get a copy of our driving record from the police. Unfortunately this can't be done online in WA and requires a visit to the local cop shop and a fee of $25.60 each, which will be reimbursed by Club4x4. I haven't had a lot of insurance claims in my life, but don't recall ever having to get my driving record before. Is this normal, do most insurers ask for this? I would have thought they would have access to driving records as a usual part of their business?
I would have thought that drivers records would have been checked, if needed at the time of signing up for the policy, not when the first claim is made? maybe I'm misreading this?Quote:
Originally Posted by stevemc181
I guess anything can happen between the time you sign up and the time you may make a claim, so it's reasonable to check the records at the time of the claim. I just found it strange that we have to provide the history and they couldn't look it up in their online systems? I would have thought there would be some sort of central system that all the insurers could access to check details like this?Quote:
Originally Posted by 4bye4
Hi stevemc181,
I believe it's common practice by most insurers unless you've been with them for quite a few years.
It's definitely used by a lot of the internet based insurers that advertise on TV.
Part of the premium you are quoted depends on your driving/claims history, unfortunately not everyone is honest when they sign up.
Disclaimer: I have no association with Club 4x4
Hi Steve
Sorry you've had a bingle, hopefully we can bring things back to where they were as efficiently as possible.
Unfortunately the check is not ones that we can do automatically. We can actually check insurance claim history through a central database with no input from yourself, but driving history's are not available in the same fashion.
The challenge we've found is that each state has a different process; varying from online, offline etc. unfortunately in WA the only way to get the history is to present at a police station.
We are currently investigating ways to streamline this process, but it will take some time.
I do look forward to detailed feedback on the process from you Steve. In the past, based on your own feedback we've made process adjustments, I look forward to talking in more detail again if inefficiencies are found.
Kalen
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Thanks for the reply Kalen, yep it would be less inconvenient if we could do it all online. They don't call us Wait Awhile for nothing over here!
I am sweating on my partners driving history now, she had a few more minor speeding infractions than I was aware of :(
The process so far has been pretty normal I guess, although we don't have a lot of claims experience to actually judge it by :) We just weren't expecting to have to go to the cop shop for our own traffic history report when it is a fairly minor claim.
Yeh i understand - hopefully we can make the process more efficient over the next 12 months.Quote:
Originally Posted by stevemc181
Not good news on the extra speeding infringements - please keep me in the loop.
Kalen
Seems like an odd process. I'm with another large insurer and won't name names. I remember when I joined them, all done over the phone, they asked about mine and my partners passed infringements and nothing else was said. I assumed that they would have got that info themselves. I didn't have to go and get my details from the police when I had my accident back in FebruaryQuote:
Originally Posted by stevemc181
same as Clunk,seems mighty strange
I will add as a Club 4x4 customer I also found it strange that I had to get this information when making a claim. First time that's happened since ever.
what next,have to take your own photo's and send them in to accessorQuote:
Originally Posted by gubigfish
Appreciate all the thoughts and opinions guys. It is something we're looking to smooth out in due course!
Kal
Hi folks,
I'm proud to announce that Kal and the team at Club 4x4 are staying with us for 2018 as our sponsors!
As you can see above their insurance for our Patrols has been a huge success here so check them out and feel free to show your support below.
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Got my renewal letter today and Club 4x4 and my premium has DOUBLED since last year.
I've been a customer since they first started up but have now cancelled my policy.
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Yeah, mine went up, plus the water crossing additional excess, went back to Shannons for comparable agreed value cover.
I cancelled my policy when I sold my wagon and insured the new ute with RAC due to Club 4x4 increase in premiums............
I don't think it's just Club 4x4 . Premiums have increased across the board. Even my renewed RACV policy on the Patrol went astronomical recently.
Rang up questioned it and pretty much got told bad luck. Don't like it, cancel it.
I got a quote from Club 4x4 back in July. Photos of car and every single detail sent. The asked agreed value was now-where near met, and the agreed value they DID offer me after nearly a week of waiting for their underwriter, was , I must say very unfair, compared to some others with very similar vehicles, current market value, etc... This was without any extra options.
I would hate to think what it would be like now...
Yeah understand prices go up... But double? Bull sh...!Quote:
Originally Posted by Hodge
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When one raises theirs, all the rest do the same, some much more than others. There's no such thing as company loyalty anymore, it's just the money. Ring them up and ask for a price comparison and they'll say, "go elsewhere if you don't like it". I just auto-renewed my policy with Club 4x4 and noticed the increase. Regardless of all they cover, most of which I would be very unlikely to make a claim against, I believe there are better prices to be had with some of the newer, and smaller, companies. I remember about 5 years ago I had a policy on my 120 Prado arranged by Lloyd’s, which was substantially less expensive than most others at that time.
It's now certainly worth doing your homework each year, before just renewing because it's easier. Something I will be doing from now on.
I think their agreed value cover is fine, it's just when compared to other's, they don't offer the same 'bang for buck'. I may find next year at renewal that their premiums have levelled up, and change back. As mentioned above, brand loyalty has no benefit anymore.