Club 4X4 Insurance

Submitted: Saturday, Dec 02, 2017 at 19:47
ThreadID: 135942 Views:2597 Replies:5 FollowUps:6
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Gday Everyone, Its that time again to insure my ageing Patrol. I have been with GIO for ever and we intend to do a bit more travelling next year around Oz and thought we would see what Club 4x4 had to offer. GIO in their wisdom have this year decided to send me a email asking me to log in to their site to get my renewal, a bit rough really, considering i have never had a login setup for their site, an attachment in PDF with the email would have be acceptable though.
So going by last years GIO premium and a quick quote from Club 4x4 with the addition of a $60 windscreen replacement, there is a few dollars between them.
Club 4x4 offer $1500 vehicle retrieval standard, selectable cover for accessories and also selectable cover for personal gear, lost or stolen. They really seem to have looked at what 4x4 owners really need, unlike most insurance companies. Also GIO cover for an agreed value and thats it, any accessories fitted are included in your agreed cover amount. No exceptions.
So the question is, has anyone bought a policy and/or made a claim ? Any positive or negative experiences. My apologies if this has been discussed in previous posts. regards. Michael.
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Reply By: IvanTheTerrible - Saturday, Dec 02, 2017 at 20:19

Saturday, Dec 02, 2017 at 20:19
"If your vehicle suffers a mechanical failure,
becomes stuck or cannot be driven and you
require assistance from a third party to transport,
tow or recover your vehicle while driving offroad,
we will reimburse you the costs incurred to
transport, tow or recover the vehicle to the nearest
gazetted road."

Nearest gazetted road can still be 500km or more from the nearest help if you are in the outback
AnswerID: 615333

Follow Up By: Shaker - Saturday, Dec 02, 2017 at 20:32

Saturday, Dec 02, 2017 at 20:32
That’s where TotalCare takes over!

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Follow Up By: PeterInSa - Saturday, Dec 02, 2017 at 20:38

Saturday, Dec 02, 2017 at 20:38
Re (That’s where TotalCare takes over!)

Not with the RAA (SA) Breakdown cover as far as I know.

I understand that 4x4 also offers breakdown cover up to $25,000, for a fee of course. But $1500 definitely helps.

Peter
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Follow Up By: IvanTheTerrible - Saturday, Dec 02, 2017 at 21:08

Saturday, Dec 02, 2017 at 21:08
Roadside assist will only tow a max of 100Km
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Follow Up By: Nomadic Navara - Saturday, Dec 02, 2017 at 23:48

Saturday, Dec 02, 2017 at 23:48
"Roadside assist will only tow a max of 100Km"

The OP is from NSW. NRMA premium roadside assist give you much more than this. I once had a tow from Morowa to Perth where the closest LR service was located.
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Reply By: Jackolux - Saturday, Dec 02, 2017 at 21:38

Saturday, Dec 02, 2017 at 21:38
Club 4x4 changed their policy from nearest Gazetted Road to say nearest Town or Bitumen road .
Total Care will only recover for breakdown where a conventional 2wd vehicle can go .
AnswerID: 615337

Reply By: Michael ( Moss Vale NSW) - Sunday, Dec 03, 2017 at 23:00

Sunday, Dec 03, 2017 at 23:00
Thanks Everyone for the replies, I'll give Club 4x4 a go. In the PDS there is a lot of extra excesses on most of the extra benefits offered, for example the $1500 towing, a $200 excess. So a $400 tow is still going to cost you 200 bucks. Anyway there is no free lunch but they are certainly on the right track, no pun intended... and tuned into what people who leave the blacktop, need. Thanks again. Michael.
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Retired 2016 and now Out and About!

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AnswerID: 615354

Follow Up By: William P - Monday, Dec 04, 2017 at 00:13

Monday, Dec 04, 2017 at 00:13
Check a similar thread running over on the 4x4Earth forum.
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Reply By: Member - shane r1 - Monday, Dec 04, 2017 at 07:49

Monday, Dec 04, 2017 at 07:49
One of the biggest things club 4x4 do is offer cover for mechanical breakdown recovery, and of course you pay a large premium for more cover and larger excess as well.
Possibly if you only want/need accident cover other companies cover is fine and probably cheaper.
But I haven’t totally analysed it yet. I’ll keep reading and asking questions .
Cheers
AnswerID: 615356

Reply By: OBJ - Monday, Dec 04, 2017 at 07:52

Monday, Dec 04, 2017 at 07:52
I also received an unsolicited email from them. Never heard of them before and I did not follow the link. I won't be taking it any further and I have no idea how they got my details. I also had not sought a quote from them. I find this sort of practice "dodgy" at least.
AnswerID: 615357

Follow Up By: Michael ( Moss Vale NSW) - Monday, Dec 04, 2017 at 14:15

Monday, Dec 04, 2017 at 14:15
Your email address and name can come from a lot of different sources. A competition or sign up to a free online magazine or something you put your details to, at a 4x4 show maybe. Michael l
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Get out and do something instead!

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