Club 4X4 - Insurance for 4X4 Enthusiasts

[lucus30]

Just reading this with great interest then I said to myself who ever started the 4x4 Club insurance must own a 4X4 to start with.
With all the others they probably have a list besides them what can and can not be bolted to a 4x4, Heres one for a customer of mine coming home from Mansfield was given a RWC because he had my front recovery points on, any thoughts on this I started making these over 10yrs
ago maybe more now eveyone copies mine, point being nearly every 4x4 will have a recovery point of some description fitted to there 4x4.
How can that make a 4x4 un RW, you are just replacing what was there with a stronger part that will do the job better and safer

Ha???? wtf.... Since when are front recovery points illegal?

[the evil twin]

Obvious modification attached to the Chassis... doesn't have to be illegal to trigger a Copper having a dose of the nastys to call for a RWC.
If it is OK then the poor stiff who gets the RWC will pass no worries.
If it is not OK then a dodgy vehicle gets sorted out.

Not saying it is right or wrong or taking sides and def not sayin' the Recovery points are anything but top notch... just sayin' is all

[mudski]

G'day biggqwesty,

At the moment you can only purchase it at the beginning of your policy, rather than purchasing it mid term.

I guess the thing would be to do the big trips takes planning, so generally you should have an idea you're going to do it at the beginning of your insurance renewal i'd imagine?

We never say never, but that's the decision we've taken as a business at the moment.

Cheers

Kal

It would be great if one could take out temporary extra cover for those once a year, if that, remote road trips. Kinda like taking out insurance when you go overseas. I do realise the recovery cost location depending, to the cost of what the extra cover might be, probably wont be viable for the insurer.

Sent from my GT-N7105T using Tapatalk

[threedogs]

Ha???? wtf.... Since when are front recovery points illegal?

Tend to think ET may have it right even after Hodges run in last week ,cops couldnt get him for anything so the
cop just started growling and snorting to get a response, but Cool hand Hodge didnt fall for it lol lol

[Avo]

I was wonder with your tag of Kal.....
Here I was thinking Kallen is unique lol..

Oh you're unique buttercup

[Avo]

G'day Avo,

I have to apologise for the delay, been hit with a virus the last week or so so not been around as often as i'd like.

So the Off-Road Recovery Cover we offer is basically a financial compensation offer. You arrange the recovery, we reimburse you if everything checks out.

That make sense?

yeah ok...no need to appolagise for the delay......so if i do crash roll over car get stuck in a river crossing am i expected to pay for the recovery of my car......most insurances just ring get a quote number and ring a tow truck...some people don't have x amount of coin laying around to pay for recovery...cheers

[BigRAWesty]

yeah ok...no need to appolagise for the delay......so if i do crash roll over car get stuck in a river crossing am i expected to pay for the recovery of my car......most insurances just ring get a quote number and ring a tow truck...some people don't have x amount of coin laying around to pay for recovery...cheers

Yea geeze that's a big one..
Most outlay money to insurance so they don't need huge sums of back money..
I know I do..
I pay them money so when shit happens I've got some assistance..

[Avo]

Yea geeze that's a big one..
Most outlay money to insurance so they don't need huge sums of back money..
I know I do..
I pay them money so when shit happens I've got some assistance..

yep..peace of mind is what i pay them for........imagine...out on the CSR...oh yeah here's a spare 10g and if you come to the party i'll get it back...WTF...i don't give 1g a yr for x amount of years to come to an agreement...either i am covered or i'm not..otherwise i'll bank my own 10 grand and risk it..... which i'm doing by waiting on approval after i've forked out 1g or whatever per/yr on insuarance+x amount of recovery...i agree with excess..but this has to be a cop out and an escape clause for an insurance company...surely

[Club 4x4]

yep..peace of mind is what i pay them for........imagine...out on the CSR...oh yeah here's a spare 10g and if you come to the party i'll get it back...WTF...i don't give 1g a yr for x amount of years to come to an agreement...either i am covered or i'm not..otherwise i'll bank my own 10 grand and risk it..... which i'm doing by waiting on approval after i've forked out 1g or whatever per/yr on insuarance+x amount of recovery...i agree with excess..but this has to be a cop out and an escape clause for an insurance company...surely

Morning all,

It seems we are talking about two separate things here.

1) Recovery after a claimable event - If you roll or smash your truck while you're out in the bush, like any insurer (IF - BIG IF, you are covered off-road, heard many people having to fight their insurer even for this bit), it is our responsibility to get the vehicle out of their so we can assess it and repair it for you. This is black and white, if it's a claimable event you are covered for getting the rig out.

2) Recovery for a non claimable event - If you break down, or get stuck (bogged etc) this is NOT a claimable event. Unlike any other insurer, our Off Road Recovery Cover will compensate you financially once you've gotten yourself out. Done a gearbox in the Simpson and you have no other way of getting out? if you don't have our cover, you are up for the costs to get out.

Every single one of our policies comes with $1500 worth of this cover included. But you can pay to get a higher level of coverage, up to 15k or 30k

Hope this clarifies things guy

Kal

[BigRAWesty]

Morning all,

It seems we are talking about two separate things here.

1) Recovery after a claimable event - If you roll or smash your truck while you're out in the bush, like any insurer (IF - BIG IF, you are covered off-road, heard many people having to fight their insurer even for this bit), it is our responsibility to get the vehicle out of their so we can assess it and repair it for you. This is black and white, if it's a claimable event you are covered for getting the rig out.

2) Recovery for a non claimable event - If you break down, or get stuck (bogged etc) this is NOT a claimable event. Unlike any other insurer, our Off Road Recovery Cover will compensate you financially once you've gotten yourself out. Done a gearbox in the Simpson and you have no other way of getting out? if you don't have our cover, you are up for the costs to get out.

Every single one of our policies comes with $1500 worth of this cover included. But you can pay to get a higher level of coverage, up to 15k or 30k

Hope this clarifies things guy

Kal

But we're still up for initially costs for a claimable recovery and then have to apply for a rembursment??