4WD insurance

Submitted: Wednesday, Mar 17, 2004 at 00:48
ThreadID: 11316 Views:2228 Replies:6 FollowUps:8
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Insurance advise please. Is it worthwhile to find a company specialising in 4WD insurance? Are there such companies? Are you happy with them?

My car (truck? :-) insurance is about due. Got the renewal notice from RAC (Perth) for my comprehensive car insurance. Problem is, they have lowered their estimated vehicle value far below what I would think a similar age and condition replacement vehicle would cost me in case of a total loss.
I have their assessors check it out in a few days but meanwhile would like to hear if there are other options regarding comprehensive 4WD insurance.

Klaus
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Reply By: Coops (Pilbara) - Wednesday, Mar 17, 2004 at 02:29

Wednesday, Mar 17, 2004 at 02:29
try Elders V8 troopie.
They've done me a good deal but I don't know about replacement value. I think they were pretty well on the money with mine.
I listed every single accessory and they said provided it was on the ;list they would cover me for it (except competitions).
AnswerID: 50641

Reply By: Truckster (Vic) - Wednesday, Mar 17, 2004 at 08:31

Wednesday, Mar 17, 2004 at 08:31
Search the archives, theres about 2,000,000,000 threads on insurance, prices, advantages the works.

How much is the assessor costing, I have to do the same thing with mine to get the accessories valued to what they are worth.
AnswerID: 50646

Follow Up By: GaryInOz (Vic) - Wednesday, Mar 17, 2004 at 08:52

Wednesday, Mar 17, 2004 at 08:52
I've told you a million times Truckster, don't exaggerate! LOL
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FollowupID: 312424

Follow Up By: cokeaddict - Wednesday, Mar 17, 2004 at 10:32

Wednesday, Mar 17, 2004 at 10:32
now that made me laugh Gazz..well said !
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Follow Up By: Truckster (Vic) - Wednesday, Mar 17, 2004 at 11:24

Wednesday, Mar 17, 2004 at 11:24
You comin on the Mt Stirling weekend Gaz?? May 1-2 Stayin Sheepyard or Frys Flat..
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FollowupID: 312444

Follow Up By: GaryInOz (Vic) - Wednesday, Mar 17, 2004 at 19:40

Wednesday, Mar 17, 2004 at 19:40
Just have to organise the days off, but at this point in time, yes. Who else is coming?
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Reply By: Truckster (Vic) - Wednesday, Mar 17, 2004 at 11:25

Wednesday, Mar 17, 2004 at 11:25
The other thing now is they all go market value... :(

Lastly V8 Conversions are frowned apon by heaps of them, I called around lookin for prices on a GQ with 6.5 V8 Chev Diesel, most said bye bye.. the 2 that didnt wanted more than the national debt...
AnswerID: 50669

Reply By: KiwiAngler - Wednesday, Mar 17, 2004 at 16:53

Wednesday, Mar 17, 2004 at 16:53
www.dgainsurance.com.au

http://www.dgainsurance.com.au/4wd/frame.htm

Quote from my WRITTEN policy:

" Please note vehicle is covered for full off road and on raod cover anywhere in Australia. There is no restriction on this policy"

"Please note the vehicle can have any modifications added to the vehicle there are no restrictions"

You choose :-)
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AnswerID: 50704

Follow Up By: Truckster (Vic) - Wednesday, Mar 17, 2004 at 21:21

Wednesday, Mar 17, 2004 at 21:21
The only issue I had with DGA, was they were MORE than double the other insurance companies, at $1300... thats with Rating 1 for life, no fines, driver over 36 etc etc.. bleep in DREAMING
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FollowupID: 312527

Follow Up By: KiwiAngler - Thursday, Mar 18, 2004 at 19:15

Thursday, Mar 18, 2004 at 19:15
Can't explain why you had such a large premium...I have a 1998 100 series LandCruiser with LOTS of extras...and I do mean LOTS...plus extensive modifications...$400 excess....premium...for full cover...on or off road...$937 per annum..
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Follow Up By: Truckster (Vic) - Thursday, Mar 18, 2004 at 21:57

Thursday, Mar 18, 2004 at 21:57
the premium was over $1300....

Also check out the "offroad excess" not sure if it was DGA, that had it, but that was $800 if I remember ONTOP of the normal excess!!!!

Offroad excess on offroad insurance, bleep in great world we live in aint it...
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FollowupID: 312720

Reply By: Topcat (WA) - Wednesday, Mar 17, 2004 at 17:41

Wednesday, Mar 17, 2004 at 17:41
Hi V8 Troopie, I have a V8 troopy which is insured for agreed value with the RAC (Perth) where I have my vehicle classified as a campervan which allows me to re-value the vehicle under that classification with all accessories included. Perhaps you could ask them about reclassification depending on what modifications you have done to your vehicle and see if they will come to the party. I had no problems & the RAC were very helpful including offroad coverage(in writing) as part of the policy. Cheers.
AnswerID: 50708

Reply By: Rick Blaine - Wednesday, Mar 17, 2004 at 17:53

Wednesday, Mar 17, 2004 at 17:53
Try AAMI... My 2002 T/D Jackeroo costs me $552 for $39000 which was not only the cheapest quote from the major insurerers but I am covered anywhere in Australia as long as im not in a competition. And I have had some dealings with AAMI in the past & they have always done the right thing.. even gave me an exgratia payment towards the cost of damage done in Bourke to my Jack which was not covered because each part of the claim did not go above my excess.
AnswerID: 50714

Follow Up By: Truckster (Vic) - Wednesday, Mar 17, 2004 at 21:24

Wednesday, Mar 17, 2004 at 21:24
Define Competition... A Club run can be considered competition in their wording.. Dude in our club found out the hard way...

IMHO there is NO such thing as a good insurance company
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FollowupID: 312529

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