Club 4X4 insurance

Submitted: Wednesday, Feb 22, 2017 at 12:20
ThreadID: 134339 Views:4465 Replies:8 FollowUps:5
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Has anybody had experience with this organisation?
Their coverage seems to be just what the 4x4 community needs but is it too good to be true?
Has anybody had a claim and were they easy to deal with?

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Reply By: HKB Electronics - Wednesday, Feb 22, 2017 at 16:17

Wednesday, Feb 22, 2017 at 16:17
Thanks for posting this, my current insurer has dropped the agreed vaue of my car by $15000 in 12 months, agreed value around $35000 and that includes $20000 in accessories!

After reading your post I went and did some research on another forum and it seems those who have insured with them are happy, I received a quote for $300 less than my present insurer and cover is for agreed value of $50000.

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Reply By: Idler Chris - Wednesday, Feb 22, 2017 at 17:48

Wednesday, Feb 22, 2017 at 17:48
I insure through Affinity Insurance Brokers in Vic. They have a policy which has been scrutinised by Four Wheel Drive Victoria. I have found their quotes competitive. Several years ago when the market value of my Cruiser was $38,000 I changed it to an agreed value of $63,000 for an extra $313 per year. Three weeks later I rolled and wrote off the vehicle in Arnham Land. It took the towie 6 hours to come from Katherine and 6 hours back. At the crash site I rang Affinity on the satphone and lodged the claim there and then. I stayed in Katherine with some friends for 6 days and then fly home to Melbourne. The next day the $63,000 less the excess, plus out-of-pocket expenses was in my bank account. It was the service you dream about but rarely get.
What other people think of me is none of my business.
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Reply By: member - mazcan - Wednesday, Feb 22, 2017 at 20:08

Wednesday, Feb 22, 2017 at 20:08
hi
club 4x4 insurance is owned by a big south African company and was requested to be set up by Pat Callinan after he had discussions about the need for a company that fully covers all the after market equipment that owners put on their 4bys that normal insurance companies wont cover
I read about this on his web site and he mentioned it also on 1 of his TV shows recently
this big south African company also owns about 12 other insurance companies that operate in Australia as well
AnswerID: 608814

Follow Up By: Idler Chris - Thursday, Feb 23, 2017 at 14:56

Thursday, Feb 23, 2017 at 14:56
It is more likely that the insurance company approached Pat Callinan and he gets a % for his endorsement.
What other people think of me is none of my business.
Do unto others what you would have them do unto you.

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Reply By: Michael H9 - Wednesday, Feb 22, 2017 at 20:22

Wednesday, Feb 22, 2017 at 20:22
My 4x4 club had a presentation by the owner of Club4x4 last monday night. They are backed by Hollard but operate as a completely separate entity. The owner seems like a straight up guy with a fair bit of 4x4 experience himself. My impression was that it wasn't cheap but seemed like a very good product. They offer a lot of things not found in other companey's policies, particularly remote recovery insurance for mechanical breakdown and pretty comprehensive insurance for modifications. As an example he said they just wrote a policy for a $16k car with $65k of modifications.
All in all, the policy coverage seemed really tailored to real world off roading by cars modified for the purpose.
AnswerID: 608815

Reply By: Sigmund - Thursday, Feb 23, 2017 at 04:57

Thursday, Feb 23, 2017 at 04:57
Another coverage question is location: beach, river, private /ungazetted track etc?
AnswerID: 608822

Follow Up By: Baz - The Landy - Thursday, Feb 23, 2017 at 06:43

Thursday, Feb 23, 2017 at 06:43
Same as most comprehensive insurance policies "Anywhere in Australia" as long as you are legally entitled to be there...

Any further clarification than this just waters down your policy.

Cheers, Baz - The Landy
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Follow Up By: Sigmund - Thursday, Feb 23, 2017 at 08:30

Thursday, Feb 23, 2017 at 08:30
I should've been clearer; I meant read the fineprint to see if there are any exclusions regarding the incident location.

Eg. a racetrack is excluded on my m/c policy.
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Reply By: vk1dx - Thursday, Feb 23, 2017 at 06:58

Thursday, Feb 23, 2017 at 06:58
We didn't have any trouble with 4x4 insurance until we went to pay. You have to use direct debit to pay.

We don't use direct debit as we had an issue once getting an "extra" payment back. Apparently the young lass who took our call to cancel a monthly direct debit instalment from out account didn't bother to complete the cancellation and they took more then was required. It took two months, more payments, to get them to send the money back and finally cancel our subscription.

So we went back to our previous insurance company and will never use direct debit again.

A shame, because they looked good for us.

Phil
AnswerID: 608824

Follow Up By: Sigmund - Thursday, Feb 23, 2017 at 07:21

Thursday, Feb 23, 2017 at 07:21
+ monthly payments are an advantage for me.
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Reply By: Malcom M - Thursday, Feb 23, 2017 at 10:56

Thursday, Feb 23, 2017 at 10:56
Hollard Insurance group.
They are represented by a huge number of niche insurance offerings in Aus.
A lot of these have plenty of complaints against them so do your research well...
Never heard anything bad about this branch though.
AnswerID: 608829

Follow Up By: Michael H9 - Thursday, Feb 23, 2017 at 17:38

Thursday, Feb 23, 2017 at 17:38
According to the owner, Hollard simply underwrite the financial transactions. They have no input into the policy make up or payout decisions. He also made mention of several complaints about Hollard backed organizations and stressed that it is not correct to blame the underwriters for decisions made by the companies who are operating quite independently and making decisions that Hollard have no input in. Having said that, I'm sure that Hollard do actually run their own companies as well.
Club 4x4 has only been operating for 18 months if that makes a difference to anyone.
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Reply By: Danna - Friday, Feb 24, 2017 at 18:01

Friday, Feb 24, 2017 at 18:01
Hi Trevor
We have Club 4x4 Insurance and up to now no problem at all.
Actually the salesmen I usually talk to, is so good he remembers me by first and second name and vehicle as well. I called him just last week since we will need CTP insurance – they don’t do it …. unfortunately.
But we didn’t have claim and hopefully we never will.
What is excellent on Club 4x4 Insurance, you can have extra recovery insurance when you plan to go on hard to drive track (but road/track must be legal).
We switched from NRMA as they don’t insure extras (not really ….) NRMA policy was too expensive and our vehicle was under-insured by several thousands.
We pay all insurances yearly. It is simple. For example private health insurance goes up $ on 1 April, so if we pay by that time we save (last year hundreds of dollars).

Cheers Dana
AnswerID: 608866

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