off road insurance

Submitted: Wednesday, May 12, 2004 at 14:29
ThreadID: 12811 Views:4247 Replies:6 FollowUps:5
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Anybody know the contact details of outfit offering off road insurance, ie real off road insurance. Read one post, maybe not on this forum, recently that mentioned a guy who worked for the TCIS and is now freelancing. The feedback was promising.
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Reply By: Member - Roachie (SA) - Wednesday, May 12, 2004 at 14:43

Wednesday, May 12, 2004 at 14:43
Eric,
I use TCIS and they recently got me a better deal with Allianz (was with CGU, thru TCIS). My monthly premium has dropped from $70- to $58-....and that's for a vehicle + accessories package of $62K (in country SA)
AnswerID: 58320

Follow Up By: Michael - Wednesday, May 12, 2004 at 14:55

Wednesday, May 12, 2004 at 14:55
Hey Roachie, thats not a bad deal. 4x4 insurance is about the cheapest on the list, but dont worry,the insurance companies must be seeing the huge amount of them around on the road and growing steadily. We will soon have all kind of lame reasons from these theives, telling us why our policies have to dramatically rise. Wait and see... Best regards Michael.
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FollowupID: 320016

Follow Up By: Michael - Wednesday, May 12, 2004 at 14:55

Wednesday, May 12, 2004 at 14:55
Hey Roachie, thats not a bad deal. 4x4 insurance is about the cheapest on the list, but dont worry,the insurance companies must be seeing the huge amount of them around on the road and growing steadily. We will soon have all kind of lame reasons from these theives, telling us why our policies have to dramatically rise. Wait and see... Best regards Michael.
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FollowupID: 320017

Reply By: Nigelj - Wednesday, May 12, 2004 at 16:22

Wednesday, May 12, 2004 at 16:22
Hi,

Try Australian 4WD insurance in Melbourne through DGA insurance broakers 1800 800 471 this used to be ARB insurance in the early days. I was with TCIS but found them to expensive and service was a bit to be desired.

Let me know how you go I am will be looking again in the next few months.

Nigel
AnswerID: 58332

Reply By: Truckster (Vic) - Wednesday, May 12, 2004 at 19:16

Wednesday, May 12, 2004 at 19:16
If you have more than a 2inch lift, TCIS wont go near you anymore.

What sort of car and mods do you have? That will help out with who to go with

Theres about 1290402394802349203948 threads in teh archives mentioning insurance companies, and what they TELL you they cover.

IMHO, there is no such thing as REAL OFFROAD INSURANCE... they have clever ways of wording things, that to me, if they wanted could use anyway they liked.
AnswerID: 58364

Reply By: Tim (VIC) - Wednesday, May 12, 2004 at 20:29

Wednesday, May 12, 2004 at 20:29
Hi Truckster
I spoke to tcis about 1 month ago and they told me you could have a max of 3" lift whether this consists of a 3" spring and no body lift or a 2" lift and 1 inch body.There was no restriction on tyre size.
But who knows now it has probably changed again in the last 4 weeks.
Cheers Tim
AnswerID: 58378

Follow Up By: Truckster (Vic) - Wednesday, May 12, 2004 at 21:56

Wednesday, May 12, 2004 at 21:56
Sorry I phukt up...

I called CGU that TCIS WERE using...

Then I called TCIS, when they sent me my renewal, they told me that they would find me some for my big lift and gear.. although I dont trust any insurance company..

as you say it changes by the day.
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FollowupID: 320091

Reply By: colin - Wednesday, May 12, 2004 at 20:44

Wednesday, May 12, 2004 at 20:44
Hey Eric, try AAMI i am with a 92 GQ diesal with a super charger and a 2inch lift, i can go of road any wheere i like as long as i am leagally allowed to be there including permits from appropriate bodies, i am not to go into compition or races. My premium for an agreed value of $23,000 excess of $350, no one rating and hire car is $454, the only must is no drivers under 25. and all changes to be leagal and blue plated. Col
AnswerID: 58382

Follow Up By: Firey - Wednesday, May 12, 2004 at 21:32

Wednesday, May 12, 2004 at 21:32
Hi Colin
I have been with AAMI for several years and have been told the same.
Although I am still harrassing them to give me something in writing ??
I have spoken with there internal disputes officer regarding exactly what
4x4 can and can't do. His reply was, as you have stated, but interestingly
he also added that if you make a claim and it isn't covered in their Policy
Disclosure Statement that they "DON'T" payout on that type of claim you
will be covered ??? But I'm still trying to get that one in writing.
As we are all aware their Policy Statement doesn't say anything about 4x4.
I'm curious about your premium.I have a '92 stnd deisel cruiser my
premium is $598 with excess $450. The only differeance could be accessories. Do you have any listed ???
I have HF,UHF,Bullbar,Towbar,roofrack,difflock,stero,3'' lift, with a market value $16,000
Cheers
Barry
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FollowupID: 320086

Follow Up By: colin - Sunday, May 16, 2004 at 10:42

Sunday, May 16, 2004 at 10:42
Hi Firey, i also have all the acc. listed on top of agreed value, but i also have my house and contents and third party with them which gives me a 45% cheaper rate. I think it comes down to the term if you are leagilly allowed to be there that a claim would be based on, same as a normal car they wont pay out if you where drunk, speeding, over loaded, vehicle not road worthy etc.Col
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FollowupID: 320466

Reply By: Tim (VIC) - Thursday, May 13, 2004 at 07:26

Thursday, May 13, 2004 at 07:26
Hi All
One other thing with AAMI compared with say TCIS is when i insured my 2002 patrol it was $907 at TCIS and $650 at AAMI.
The difference was AAmi don`t seen to cover your accessories too well because my market value was 43000 but tcis covers me for 50000 and as well as my accesories and while camping.
Also aami i think will not cover you if you drive into a deep river and swamp your car, they call this a deliberate act.Re post????
In the end you have to way up is the extra cost worth it.
AnswerID: 58415

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