Welcome to the Nissan Patrol forum. To post a question and to see less adds on the forum then you will have to register
first. We are an easy going friendly forum so join in the conversations and feel free to ask any questions.
Become a forum sponsor for only $20 and see no adds with faster page loading times and many extras benefits.
Got my insurance renewal. Premium hasn't gone up ... much, so I thought I'd spend some time and look around.
I've read the PDS's for Club 4x4 and RACV (complete care & comprehensive). Shocked to see how little I get under the comprehensive and bamboozled by what I get and what I don't with complete care.
It's just a darn minefield of jargon. EG. If you car gets stolen you get a hire car, if you car is damaged and undrivable you don't. You're covered for xy days if it's stolen, xz days if it's just undriveable.
Club 4x4 look like they'll give me more if my car is a write off than the RACV, they are also better in a number of areas that apply to my conditions. They also seem to offer the most for emergency repairs
You've really got to be careful you don't pay for stuff you can't get. EG: Hire car. Where I live I may not be able to get one OR I may have to drive 100+ kms to get it and 100+ kms to drop it off when I'm finished with it. That's not very useful.
My conclusion is, work out what may actually happen to you in your day to day driving, then work out what you'd need so you can continue with life again until you get your car back. EG, I can hit roos every other minute, get run off the road by log trucks, but my vehicle is very unlikely to be stolen.
I've never spent so much time looking at car insurance & I still haven't made up my mind.
Reply With Quote