Club 4X4 - Insurance for 4X4 Enthusiasts

[Elz]

Thanks Bazza,

Really interesting to get insight from someone with relevant industry experience.

You have reaffirmed my thought process on these matters. Mainly that any insurance company will look for "outs" in the event that they are faced with a claim. Its fair enough i guess, its a business after all.

I would love to hear from anyone who has experienced the other side of the coin, i.e having a claim paid out with "illegal mods" fitted. Interested in tires, bigger lifts, anything really, even EGR blanking plates!
Direct experience please, not the classic, my mates, sisters, friend knows a guy who....

On another note,

I did get a quote form Club 4x4, but i find it ridiculously exorbitant. $51k agreed value, $1950 per year with $650 excess...

I've aware of the "many factors" used to arrive at these figures (although I think insurance company's like to hide behind these to avoid giving explanations for their prices).

Extra info for those interested, I am in the 30+ age bracket, have a clean driving record and have no insurance claims to my name (except one windscreen replacement due to a stone chip caused by a passing truck). The vehicle is kept off the street in a good area in Melbourne. Its also not my daily driver so is only used when I go on trips.

I will be going some more shopping around.

Elz,

Having worked for an insurance company for over 35 years I have become aware of some 4WD claim refusals. One of the most common 4WD claims refusals was legal tyre sizes. One in particular comes to mind of an older 4WD ( GQ I think ) with 35inch tyres, which was hit from behind at a set of lights by a prime mover. The damage to the 4WD was extensive enough to right it off. This claim was refused because it was considered "an un-roadworthy vehicle, fitted with illegal sized tyres", and therefor should not have been driven on the road.
I far as I remember at that time, after it went to court, the damage claim was never paid on the 4WD and the prime mover's insurance was chasing the 4WD owner for the recovery of the funds they paid out.
My point is this ..... no insurance company is your friend, and if an insurance company do'nt pay out and the whole thing goes to court, if your 4WD is illegal in any way.... you will lose.