Club 4X4 - Insurance for 4X4 Enthusiasts

[Winnie]

I expect Kalen will comment further when he next drops by.

However my understanding is that there is ‘broken’ & ‘broken’

In a nutshell, if it’s a mechanical breakdown & you needed to abandon it, this would be no different to a breakdown in the middle of the city. Insurance would not cover it.

If it’s an accident (e.g. you have a head on with another vehicle, or roll it down a dune) insurance will cover it for the agreed value. The decision (& cost unless you have the recovery cover) to recover it will be yours.

I wonder if they have insurance assessors who will travel to remote areas to check the vehicle in the event of a claim or if not what the process would be (Kalen?)

The additional Remote area recovery cover will cover the costs of getting the vehicle out whatever the reason for not being able to drive it out under it’s own power.

My belief, which may be wrong, is that RACV top cover, covers you for recovery on gazetted roads. In the Simpson Desert example recovery to Birdsville, I would expect that RACV cover would cover the 40kms from Big Red to Birdsville. So if you have that RACV cover (as we do) the new addition to Club 4x4’s Remote area recovery option would not be required. I guess the Recovery cost claimed to them would be less (by the amount covered by the Racv) & therefore the 5% excess amount would be less. This seems to me to make the increased Remote area recovery premium seem less justifiable for those with RACV top cover.

When I was talking to club 4x4 on the phone we talked about using their basic included offroad recovery in conjunction with my racv total care package.
If something happens, club 4x4 will get me to the main road and then racv will take it from there.