Car Insurance

Just going through this process today.

With those that chose 'normal' insurance policies (not 4WD specific) does this also cover you for any off-road activities? i.e. high tide swept your baby away on the beach, that river crossing was a bit deeper than the path you walked, you played roll down the hillside, a croc stole your Patrol up the cape.....

NRMA have worked out cheapest for me at $463/yr for $16K agreed (but not the biggest NRMA fan). AAMI 2nd at $564 (or $662 at $18K agreed). Coles was actually the dearest at $1000


Jeff.

Oh also tried Allianz, given the vehicle is over 10 years (GUII) they can only do market value. I asked if they can tell me what that is, he did say around the price I paid, but based on condition of car when assessor sees it. Given others have this around $12K - I wasn't keen on market value given all the extras, new motor in it etc.

So went with AAMI at $18K agreed. They said 4X4 is covered on legal roads, tracks, beaches etc where 4x4 is permitted. Will have to read the PDS to confirm and can always change during the cooling off period.

I've just renewed mine with AAMI, $609/year $400 excess insured for $41000. 2009 ST with a couple of extras.

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Originally Posted by firm351

I've just renewed mine with AAMI, $609/year $400 excess insured for $41000. 2009 ST with a couple of extras.

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Love how they charge a similar amount yet yours is valued at $23K more.

I'm with Shannon's. Top $ agreed value on my GQ (and it's a petrol too) and I'm paying about $770 per annum.
Will recover from any gazetted road or track.
Very happy with them.

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I have spoken with Shannon's twice and they were not interested in insuring my 4wd, that was before I had told them I was 21 too.
They said it's not really their thing and I should look for a 4wd insurer.

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Originally Posted by Winnie

I have spoken with Shannon's twice and they were not interested in insuring my 4wd, that was before I had told them I was 21 too. They said it's not really their thing and I should look for a 4wd insurer.

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That's right, I do remember you saying that before, now you mention it.....
So odd. They have been really accommodating for me. I know a number of other guys from one of the FB groups also use Shannon's after this subject was discussed over there.
Do you want me to send you the details of the dude I dealt with?

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PM sent Drew, cheers.

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Originally Posted by Winnie

PM sent Drew, cheers.

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No worries. I'll go through my emails tomorrow mate and forward you the details.

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Thanks mate. I am with DGA at the moment and they are not what they once were!