Insurance Coverage

gid'ay ron
aami allow me $500 for contents of vehicle,not mutch but might help.
regards toohey

most of the stuff you want would normally be covered by your home contents insurance? Check with your home contents insurer if its covered while in your car...the items may have to be nominated on your documents though...which if not already will cost your some more $$'s

Ron F,

Seems to me you got the wrong person at SGIC, as they are usually pretty good.
I can Insure with them for articals you mentioned. Remembering I have a lot of Insurance with them.
Try Australian Pensioners Insurance if you Qualify. Good luck. P&J

try RACQ NRMA RACV plus other states
I have $4000 extra coverage for gear in vehicle RACV

Why not take out Travel Insurance and specify the items. Also very good extra cover for general luggage and additional medical. Unfortunately, mosy people only think of travel insurance when travelling overseas -- it's just as vital when travelling in Australia.

I have specified the fridge as one of the mods to the vehicle. Unlike other mods (for which there is no extra premium), they charge about $60 per year for the fridge (insured value $2,000). For other items (laptop, cameras etc) we name them on our household insurance which cover them outside the house as well. This was recommended by the insurance company. If covered under the car insurance they would only be covered while in the car.

Insurance company is RACQ, so not sure if that helps you in SA.

I had the fridge added because I told them it was permanently fixed to the vehicle, it took a bit of arguing and explaining ("A fridge...IN A CAR????") and I got a print out with it written on before I left the GIO shop
Tim

Hi all
I'm with CGU and anything I take in the vehicle that is not attached to the vehicle and is covered by my house insurance is unconditionally covered Australia wide. All attached items (comms, fridge, DVD player etc) are listed as part of the vehicle and are covered for full replacement. It's part of my farm policy but I doubt that it makes a difference. Check them out, I see your in SA try Richard Ray & Associates in Kadina.
Cheers Brad

Evening all

Today I rang and spoke to GIO, the current insurer of our Troopy to make the exact same query re Laptops, cameras etc before paying the renewal.

Currently the vehicle (1997 troopy)is insured for $42,600 (agreed value) including $22,214 of accessories.

Yeah! I know my profile says otherwise but that is for other reasons.

It has been converted into a pop-top camper and tricked up like a couple of others on the forum. Also it has been examined by a valuer and thats why it has an agreed value.

The accessories cover the camper conversion including fridge etc and suspension mods plus other fixed goodies. It also covers recovery and servicing equipment (wide definition)

However it doesn't cover personal items like laptops, cameras, jewellery , viagra tablets etc.

So I asked how do I insure these items and this was the reply.

Via your house contents insurance by adding a schedule of items that will/may be away from the insured premises for the purpose stated.

Now this is the best bit. Example given - $2,500 laptop ($180) extra to premium. Jewellry to the value of $4,000 ($58) extra and so on.

Why the difference in above two, well the laptop is an item much more susceptible to theft than jewellry which you normally wear.

It all boils down to persnnal risk assessment in the end.

So I just paid the vehicle ins and said I will get into risk assessment mode.

Have a good one all

Ken Robinson