Vehicle Insurance for Travelling in the Simpson Desert Park

Kerles, you need to talk to your insurance company. Vehicle policies vary greatly.

Some offer platinum recovery services at a price, some vehicle manufactures will offer anywhere recovery for new vehicles under an extended (read paid for) warranty, others will drop you like a hot potato when you hit any remote dirt tracks.

Unless you have premium cover, most policies won't cover you for recovery costs from remote locations. Repair (after recovery) usually will be covered as long as you're using the vehicle in the manner intended or in a 'reasonable' manner... however as with any insurance policy - you've got to read the fine print.

Ring and ask a direct question of your insurer. They are all different. I know racq platinum cover purported to be lots of things but when we asked them the question back in 2009 they backed away from the Simpson. Our vehicle insurance was o.k. though.

Hi Kerles, I ran into this problem & it did not matter who I contacted no one knew.
Eventually I contacted the insurance ombudsmen who advised me to contact DGA Insurance Brokers in Melbourne.
They are on the net.

They maybe able to help you.

Cheers
Gaza

I have discussed with my insurer, AAMI, for the Simpson and 4WD parks etc. They didn't hesitate to advise it was fine. There was some comment about recovering wrecks but I can't recall the detail sorry.

When you take out motor vehicle insurance it is for every legal road and track in Australia and they don't have to be public or listed roads and tracks..... if you had an accident in your driveway what are they going to do, knock the claim back.

Most will cover you whilst driving on roads and tracks as long as it legal and you have permission. Drive on a closed road or track and your on your own.

If you stay on the designated tracks in the Simpson you will not have any problems, it's no different if you needed recovering in the high country, Innamincka or Broome...... it's all part of Australia last time I checked.

no ones yet given the right answer
the right answer is to read your PDS
its your legal document
dont ring an get someones opinion - it might not be right
for example my RAC policy states im insured anywhere within australia im legally allowed to be as long as im not taking part in racing or time trailing

no one can properly answer your question without knowing the company

Check your policy but most likely you will be covered for an accident etc
The problem is that you are unlikely to have an accident in the desert ( although I did have someone run into me)
The most likely and most common problem is mechanical or vehicle failure of some nature which is not covered by motor vehicle insurance anyway.
When you call for mechanical assistance to either Mt Dare or Birdsville it comes out pretty early in the conversation from my experience that it is not a designated road and your Roadside assistance cover you have with NRMA etc etc do not cover emergency towing or provide road service. You need to have the vehicle received back to a designated road and then they will assist you from there.
Get your credit card out if it happens because it is going to hurt.

And pressumably your talking about having an accident, not breaking down?