Insurance a dirty word ...

Give '' Club 4x4 insurance '' a call

There are plenty of offerings out there that will meet most of your requirements, but prices will vary.

And you’ll find most insurers’ are good, some better than others, where it tends to go pear-shaped is when people do not read what they are actually covered for and the conditions imposed on that cover.

I am with Alliance, have all modifications on the vehicle (all engineered certified) including a performance tuning module on the vehicle

The key with any insurance is to read the PDS document.

The PDS clearly outlines what you are covered for and what you are not covered for.

There are not many that will cover you for a recovery unless it relates to an event that is covered under the policy. Most comprehensive policies cover for “accidental loss or damage” but not for a breakdown.

I did review the Club Insure Policy as it include this feature for an additional fee, but it is worth checking whether this recovery feature of the policy covers you in all situations and in all places.

You may find that the State Motoring organisations will cover you for recovery from the areas you are travelling in – just check with them.

I’m less inclined to talk about specific insurers’ simply because you will find people who are happy with them and some that aren’t, making your choice no simpler – however, I am with Alliance, have all modifications on the vehicle (all engineered certified) including a performance tuning module noted on the policy along with accessories. The policy also provides some limited cover for personal effects. However these are already covered under my home contents policy in any case.


Enjoy your trip, Baz – The Landy

LAZYLUX16 , the only way you will really know is contact the insurance company's and ask the questions that relate to where you are intending to travel .

Club Insurance will cover you for remote recovery , for break down and crash damage , they have just updated their PDS to say to the nearest Town or Bitumen Road , there was some confusion before because it said Gazetted Road

The remote recovery has a extra premium .

RACV Total Care is only for break down not impact damage and they will only where a normal 2wd vehicle can service .

Yes they do cover mechanical failure , I changed over to them last month , l got several grand better agreed value , I went for the 15k remote cover , also insured my Tvan with them .
Like all insurance , I hope l never need to make a claim but if l do l hope they come up with the goods .

Let us know how you go

Regards Jacko

I went through this exercise recently in planning our trip.

I have a dual cab patrol, the agreed value on my previous policy was over $15k less than i paid for the patrol before what i then spent on extras.

I ended up with the following to ensure i am fully covered

1) Club 4x4 including $15k remote recovery.
2) ANZ home insurance which covers my contents even while away from home (including tents, fridges, camping gear, etc) upto the contents cover. Ie $100k
3) RACV total care which includes road side assist cover and extended towing, etc

I was very impressed with club 4x4. They had no issues with any mods and the agreed value showed they understand what it really costs to replace a kitted out 4x4. They do offer camping and equipment cover but because i have it covered under my house policy i didnt take that out.

Make sure you ask all the the questions. Dont assume anything.

Regards

Geoff

Four Wheel Drive Victoria have organised a 4WD vehicle policy through Affinity Insurance Brokers Cheltenham Vic. This policy is specially designed for four wheel drivers and gives you an insurance cover that is second to none. If you find a cheaper insurance you need to very carefully and compare the PDS's to ensure they cover the same things.
What's important in any insurance policy is what happens if you have to make a claim. You cannot compare how different companies handle claims. I can personally attest that claims under the policy through Affinity are both speedie and easy.
I am not sure if this policy is only available to Victorians, I don't think so, but you would have to check.
Affinity give me great peace of mind, as I know I am covered for all eventualities.

A rough idea of recovery costs.
We seriously broke our camper trailer on the Birdsville track last year in the Birdsville races week. Think broken lower control arm and rim hammered around the brake drum and not able to remove. So not fixable on the roadside and needs a flatbed.
Anyway we were stranded 200km down from Birdsville and rang the nearest recovery place south. The nearest south was Leigh Creek 500km each way.
Charge $27 per km each way.