Monday, May 03, 2004 at 21:32
I've been using TCIS for a few years now. Up til recently they had me using CGU. However, when my policy came up for renewal in March, they wrote and said Allianz was now a better option for my 2000 GU. They sent me a proposal form to fill out and send back to them. At about the same time there was an article in 4WD Monthly advising of the need to list every conceivable accessory/improvement to the vehicle, otherwise, in the event of a total write-off, they could keep anything not listed on the policy, but not pay you out for it. That led me to a list about twice as long as the one shown in my RIG DETAILS section of this
forum and amounted to over $26,000-.
After the dust settled I got a call from TCIS to say that Allianz would not insure me because I'd listed a 5" lift at the back (only 4" at the front). They would have been happy with 4" all round.
It so happened that another enquiry or thread on this
forum around the same time led me to go and measure the "actual" height above standard of my vehicle. In the
carpark where I work there is a bog standard, near new, Patrol parked every day. I measured the distances from wheel arch to bottom of rim on both and
mine is only 3" higher front and back. I told the TCIS bloke and he changed it for me and Allianz have now insured the truck. I think the premium is about $80- per month (but living in country SA has a lot to do with this I think). The reason the vehicle doesn't sit as high as the Lovell's springs are supposed to make it is, ironically, due to the fact it weighs 3tonne (& that's before I load it up for a trip). I know, I know....the insurance company will probably knock me back for exceeding GVM anyway. What the!!!!???? You can't beat em and I'll be buggared if I'm gunna settle for driving a stocker.LOL
Insurance companies, eh.....ya gotta luv em....
Cheers,
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