Club 4x4 insurance

Submitted: Monday, Nov 06, 2017 at 11:15
ThreadID: 135832 Views:3260 Replies:8 FollowUps:1
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Anyone use these guys?
Got any recommendations for or against?
Or any other good insurers (if there is such a thing) that you use, that include cover for offroad damage etc. and recovery?


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Reply By: Idler Chris - Monday, Nov 06, 2017 at 11:49

Monday, Nov 06, 2017 at 11:49
This is promoted by Pat Callinan who gets a kickback from every premium paid. The underwriter is Hollard Insurance. I have heard good and bad stories about them. I go through Affinity Insurance Brokers who currently use CGU as the underwriters. My experience with them is just great. They are also recommended by Four Wheel Drive Vic who also get a kickback, and who research the best insurance for their members. 4x4 are the only ones I am aware of at the moment that offer insurance for very remote vehicle recovery for an extra premium.
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AnswerID: 614791

Reply By: Stewy1 - Monday, Nov 06, 2017 at 16:00

Monday, Nov 06, 2017 at 16:00
I insured with club 4x4 earlier this year previous to doing the Simpson Desert. I was insured with NRMA at the time.
They insured me for 10k more than NRMA and gave me the offroad recovery that gave me peace of mind, the price was roughly the same as NRMA.
AnswerID: 614796

Reply By: Member - Smithy - Monday, Nov 06, 2017 at 19:04

Monday, Nov 06, 2017 at 19:04
Im looking for Insurance for my Caravan and four wheel drive i was thinking Club4x4 or CIL im going to inquire with both tomorrow
AnswerID: 614806

Reply By: Member - John G (VIC) - Monday, Nov 06, 2017 at 19:43

Monday, Nov 06, 2017 at 19:43
I am insured with both, CIL for the caravan and Club 4 x 4 for the fwd.
We have not had any problems with either, altough we have nit had any claims.
Club 4 x 4 are about the same price as RACV but with all the extras that they allow you to add the agreed value is about 20,000 more.
So to me it's a no brainer.

AnswerID: 614807

Reply By: Member - abqaiq - Tuesday, Nov 07, 2017 at 12:19

Tuesday, Nov 07, 2017 at 12:19
I have Club 4x4 as we do the deserts,to my knowledge they are only company that offers deep desert recovery as an option. The cost for a tow out of the Simpson is $400/hour from the time the tow truck starts until he parks back at the garage. But that coverage may not of value to you.
AnswerID: 614821

Reply By: Michael H9 - Tuesday, Nov 07, 2017 at 19:56

Tuesday, Nov 07, 2017 at 19:56
I swapped to them because I could get the same amount of cover plus $15k recovery insurance for the same cost I was already paying with Allianz.
AnswerID: 614837

Reply By: TTTSA - Saturday, Nov 11, 2017 at 10:17

Saturday, Nov 11, 2017 at 10:17
I have insurance with Club 4X4, but just be aware that with the 15 or 30K remote recovery that you have to pay for the recovery up front to the recovery company and then claim the $ you have outlaid back from Club 4X4.

This is still good, but be aware you have to foot the bill first and then claim it back.

AnswerID: 614906

Reply By: William P - Saturday, Nov 11, 2017 at 11:07

Saturday, Nov 11, 2017 at 11:07
Like all insurances you have to match the coverage against what you want. It would seem that Club 4x4 provides great coverage for those fully kitted out vehicles and regularly head to remote areas.

However for the less kitted and well travelled Club 4x4 is very expensive compared to mainstream insurance companies. For me who goes offroad a couple of times a year with a basic fit out Club 4x4 was 50% more for the cover I needed.

So fully work out what you need the coverage for and if Club 4x4 meets that and no one else will then go for it - but if you dont really need that level of coverage then there may be more cost effective options as Club 4x4 is expensive for mainstream insurance.
AnswerID: 614907

Follow Up By: Michael H9 - Saturday, Nov 11, 2017 at 15:20

Saturday, Nov 11, 2017 at 15:20
It must depend on the car because I found it was cheaper by quite a bit if I didn't take the remote recovery option. Mine is still cheaper with that option.
FollowupID: 885616

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