4wd/Caravan Insurance

Hi,
Can I suggest you contact Ken Tame Insurance https://www.kentame.com.au/
Suite 2-4, 79-83 High St South Kew, Victoria 3101 Phone: (03) 9853 5555
I have been using them for many years....luckily I haven't had to make a claim yet ......but I know of others who have & they find Tame's easy to deal with.
You have to belong to the CMCA www.cmca.net.au/ to take up the insurance offered by Ken Tame which is not really a problem. Yearly membership cost are low & the savings made on the premium are FAR greater!!!!!

Usual disclaimer .... NO affiliation with Ken Tame other than being a happy customer

ok now i dont fully know your situation but if your a P plater and your married there is no sensible reason to have the vehicles in your name
if your husband has the vehicles insured then that also insures you to drive them albeit with a higher excess should anyuthing happen.
Im insured with RAC insurance and should I lend my 4by to my mates kid who lets thier friend drive it who has had thier p plates for kless than a day - its still fully covered in the event of an accident (providing nothing illegal caused the accident)

now as for offering offroad insurance
- NO insurer offers offroad insurance
you need to read thier PDS to see whats NOT covered
Im covered anywhere within australia im legally entitled to be ---- yep thats all it says
so that INCLUDES beaches, deserts and anything in between

Hi Ash,

Whatever Insurance Company you choose, ensure you are able to insure both your vehicle and van from the one company.
This will make any claims process much more simple than trying to deal with two different companies, when you are stranded out in the bush somewhere.

As far as off road insurance is concerned, there should be no difference whatsoever with "normal" insurance cover.

I have been with the RAA in South Australia for a period approaching 50 years and have never been asked or questioned where I may be taking my 4WD. It is insured for all purposes that don't include competitive sports or hiring the vehicle.

As I had both vehicle and household insurance with the RAA, when it was time to insure our new van, the policy (obtained at a very competitive rate), matched or exceeded that of another "Van Insurer" that I was given a brochure for, by the Caravan retailer I purchased our van through.

When the policy includes things such as getting your broken down vehicle and/or van to the nearest place of repair and also includes accommodation or personal transport costs, it makes good sense to be dealing with just the one Insurer.

Have a look at the Motoring Body offers in your home state and I would be surprised if they don't offer policies as good as the RAA does in SA.
Obviously, the more policies you have with the one Insurer, the cheaper the combined policies should be. Coupled with "best practice" insurance, for whatever you are insuring, that is how clever Companies keep and grow their customer base.

They will provide agreed value cover and off road Australia wide

Insurance Services
Blackwood - SA
TCIS Insurance Brokers
4WD Motor Vehicle, Camper Trailer & Camping Equipment Insurance.
Agreed Value Insurance, Full Off Road Cover.
163 Main Road 18 0063 3745

Most insurance companies cover you offroad as long as you are doing it legally - it may not be specifically mentioned in their PDS though remembering that if something is not mentioned in the exclusions and you tick the other boxes (ie you did not steal the car, not DUI etc) then you are covered.

As always carefully read the PDS before signing up.

It should be noted that both Kentame insurance and TCIS
are both nothing more than Allianze insurance re sellers

Hi Ash, I had exactly the same problem as you. Just reading the posts other people have put on here 99% of the the insurance companies WILL NOT cover you off road.

I contacted the insurance ombudsman who directed me to a company called DGA Insurance brokers in Melbourne. There phone number is 18008004711.

Also Elders Insurance may help as well as they specialize in insurance on the land.

Regards
Gazza

We have had claims in our family for accidents off road; private property (farm paddock) and on the beach. If you are legally entitled to be there, comprehensive insurance should cover you.

Hi Ash, as you have seen what companies offer varies, if the PDS doesn't exclude "off road" then your covered as said by others. Read carefully.
note the 'legal to be there' part- many tracks and bits of undeveloped bush favoured by some especially in outer areas of cities are not declared 4x4 areas and as such illegal . so can be going thru someone's property without permission.
There are other exemption provisions, its all in the PDS.
If you get more adventurous, note that damage occurring at various times whilst 4x4' ing in the one day can be considered separate claims! ( happened to me)
I had a standard vehicle cover and was ok for at least one accident off road.
I am sure the fact that as 4wd are designed for off road use, implies they would be used as such, thus covered for this use if insurance is accepted .

Standard is the base vehicle ( as new) without any mods or add- ons or accessories.

Accessories /modifications need to be separately listed or may not be covered, EG: Gas conversion ( all components), bull bars, tow bars, spot lights, snorkel, mats, CB+ariels, roof racks, canopy, anything inside ute portion of vehicle ( even with canopy) may not be covered ( tools, camping gear, ) , non original tyres and rims, any other non original parts added or changed, all the bits for a 2" or 4" lift ( shocks, etc..), hi lift jack, recovery kit, diff lockers, 12 v installations, after market items, 'hot cams', exhaust upgrades, add- a- turbo, twin battery/ controller set ups, electronic rust devices, etc...... you get the idea.

May not be easy to get car and van with same insurer, try CIL.Check that anything 'said' is actually in writing in policy.

May I also suggest if your considering 4wd you consider a basic course- money well spent. good luck.
MG.

I have read horror stories on this very subject. People thinking they are covered off road. Then the insurer not paying up because the insured had ventured more than 400mts down the beach from the boat ramp or beach entrance. Or they had driven around an obstacle off the track and rolled. Voiding their insurance because they were not on a track. I insure through DGA with an Alliance policy. My policy states no geographical boundaries or limitations. This wording was something that a well known 4x4 magazine said to look for in your off road policy. I've found DGA very good to deal with so far.