Hi,
Please don't think that I'm out just to bag your company, that is not the case. I dislike ALL insurance companies equally. It is the nature of all vehicle insurance in this country that rubs me the wrong way. Sell a product for the highest price possible, while being exposed to the least possible risk, and with the greatest possibility of declining the claim. Indirectly, that statement is the creed of all insurance.
The American vehicle insurance is a much better and fairer method ... insure the driver, not the vehicle. Unfortunately, that will never happen in Australia because of our much smaller population of possible policy holders and the need to acquire more revenue for our excessive amount of insurance providers. This is why many companies see the Asian market as the next "goldmine".
Anyway ...... your message. "price is important, but there should always be a balance where you understand the coverage as well".
Price IS extremely important to the prospective policy holder, as is understanding the coverage, but reading the "fine print" or PDS ( policy disclosure statement ) is CRITICAL. You will discover that nearly all standard vehicle policies have the same "exclusions" ( non-disclosure, roadworthy requirement, existing damages, previous claims ...ect.... )
A number of insurance companies are now claiming to be better than others because they cover all your accessories. Don't be fooled, you will be indirectly paying for it. I would rather pay to replace any stolen accessories than "inflate" the policy cost. All company's have done their homework and know the statistics of total vehicle loss against stolen accessory claims. They will always be in front.
In conclusion ........
IMO, cost is the only difference between all of them. So, after checking everything's equal, go for the cheapest price.
* Note : This is my personal opinion only and not intended to defame any particular company or individual.
Last edited by bazzaboy; 7th September 2016 at 01:21 PM.
2014 Titanium Y61 with all the fruit ................
juzzs8 (7th September 2016)
Hey Bazza,
Mate i never thought you were bagging us out at all and hold no negative view of discussion and opinions - this is where i hope to have a brand that is different to the mainstream. Constructive feedback is critical to our ongoing improvement and it is exactly what has helped us improve our product over the last 12 months.
What i will say is that i am 100% glad you have stated the importance of "fine print"and PDS' in the same line as where you said "all insurers are the same" from the exclusion perspective. Whilst that may be true you don't want people to have the misconception that all policies are the same, because they are not.
Cheers
Kal
juzzs8 (7th September 2016)
Good for C4x4 who are good enough to be active on an internet forum where "the gloves are off", so to speak. Kudos for this I say. Its only going to make the business better in my opinion.
Bacho86 (8th September 2016), Club 4x4 (7th September 2016), Cuppa (7th September 2016), GUtsy ute (9th September 2016), jack (7th September 2016), jay see (7th September 2016), juzzs8 (7th September 2016), macca (7th September 2016), Rossco (8th September 2016), Touses (7th September 2016), VK2FMIA (9th September 2016), Woof (7th September 2016)
I AM NOT STUBBORN.........I prefer the term, Singlemindedly independent !
Club 4x4 sent an email yesterday afternoon saying the claim had been approved, the repair was covered less the excess.
It was really good to hear that it had been settled and we are extremely grateful that they looked favourably on a situation that was out of the ordinary.
We had an emergency repair done before contacting them.
We as 4x4 users need to know that we can visit our great country in our vehicles and be safe in knowledge we have what is probably the best if not the only policy in our pocket if it goes bad.
Thanks to the team at Club 4x4.
Cheers
Macca
Excellent!
I took out Club 4x4 insurance which sounded good, but nevertheless it felt like a bit of a gamble, being a then new & unknown company. Like any insurance it’s when a claim is made that it’s real worth is apparent. This first hand account of a claim outcome really is very reassuring, & I’m glad I chose to insure with them. I’m even more pleased for Macca as I had recommended Club 4x4 to him based upon my experience of signing up with them, & the well priced premium I paid.
2006 4.2TDi ex-Telstra Remote area Camper. Patrol Sold after 11 years of ownership Replaced with 2006 OKA NT Expedition Truck. Cummins, Allison & lots of goodies
A Nomadic Life (Blog)
macca (9th September 2016)
G'day Macca,
Sorry about the late response, been a madhouse around here :-)
I'm really glad that we were able to come through on our promise. As everyone here well knows and as echoed by Cuppa below - the proof in the pudding so to speak with any insurer is what they do at claims time.
Thanks also for taking the time out to share the message here - greatly appreciate it as it is very helpful in putting people's fears to rest somewhat. Looking forward to many more years as your insurer of choice.
I will forward on your thanks to Grant also.
Cheers
Kalen