Insurance and the car fridge

Submitted: Friday, Jan 07, 2005 at 22:53
ThreadID: 19162 Views:2379 Replies:9 FollowUps:8
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Whats the go with insuring the fridge in the car????? My car insurance (cgu) company say that it is not covered and that it would be covered by home contenets.(sounded a bit strange so called them) No not covered by home insurance.(AAMI) They suggested a policy to cover goods in the car.(more $$$) How do you all insure it? Only thing i was thinking was that if it got pinched was to lie to them and say it was pinched from home shed.
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Reply By: Member - Moggs - Friday, Jan 07, 2005 at 23:02

Friday, Jan 07, 2005 at 23:02
I rappled with this a while back. In the end I took out a Camping gear insurance policy with TCIS. It covers all of my camping gear up to $3,000 anywhere, anytime for anything. There is a $100 excess for each claim and any items of a value over $500 need to be listed. I have the fridge covered under this as a listed item. All of my recovery gear is also covered under the policy. How much...$100 premium for the year..... pretty good piece of mind in my book :)
AnswerID: 91867

Follow Up By: Member - Moggs - Friday, Jan 07, 2005 at 23:07

Friday, Jan 07, 2005 at 23:07
Sorry, forgot to say that you need to be a member of an affiliated 4wd club to get the policy written

and that second word should be 'grappled'...too late for typing :)
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Follow Up By: Brew69(SA) - Friday, Jan 07, 2005 at 23:10

Friday, Jan 07, 2005 at 23:10
Thanks Moggs...do u have the car insured with TCIS???? as well as camping gear policy?
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Follow Up By: Member - Moggs - Friday, Jan 07, 2005 at 23:15

Friday, Jan 07, 2005 at 23:15
No, not my vehicle - it is insured with AAMI and it is well priced so it is unlikely I would change it to TCIS. I do however also have my O'briens Offroad Trailer insured with TCIS for $5,000. The premium on this was $175

It might seem a lot ($275) all up to insure the gear, but if it all goes up in flames in a fire or accident...or more likely, is stolen, then I would be in the hole $8,000. I have spent many years building up my camping gear and to me the $275 pa is money well spent.
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Reply By: Member - Anni M (SA) - Saturday, Jan 08, 2005 at 00:02

Saturday, Jan 08, 2005 at 00:02
We've also got our gear insured with TCIS, camping gear as well as the campertrailer. We aren't members of an affiliated 4wd club and weren't asked about it at all. We did tell them that we saw their ad in 4WD Australia, thats all. Hope this helps.
Happy travels
Anni
AnswerID: 91876

Follow Up By: Member - Moggs - Saturday, Jan 08, 2005 at 09:09

Saturday, Jan 08, 2005 at 09:09
...now this is interesting. I was told to insure with TCIS you needed to be in an affiliated 4wd club. I even needed to detail which club I was a member of on the application forms. We have even had members join our club just so they can get access to TCIS 4WD insurance products.
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FollowupID: 350703

Reply By: Truckster (Vic) - Saturday, Jan 08, 2005 at 00:28

Saturday, Jan 08, 2005 at 00:28
My fridge is on my policy with Unique Car Insurance in Box Hill, thru TCIS ... paid up 2 days ago
AnswerID: 91882

Follow Up By: Bonz (Vic) - Saturday, Jan 08, 2005 at 08:42

Saturday, Jan 08, 2005 at 08:42
how much mate? you can email me if you like.
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Follow Up By: Truckster (Vic) - Saturday, Jan 08, 2005 at 12:58

Saturday, Jan 08, 2005 at 12:58
its all included.. car for $25k with accessories inc fridge $700.00...
rating 1, no fines no nothing...
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FollowupID: 350743

Reply By: Willem - Saturday, Jan 08, 2005 at 09:22

Saturday, Jan 08, 2005 at 09:22
As usual no comprehensive car insurance(3rd party property only) and no contents insurance. I use the saved dollars to go on trips. When in the Big Smoke I hide the contents of the vehicle with a blanket or such. I know I am taking a chance but life is full of taking chances.
AnswerID: 91898

Follow Up By: Michael ( Moss Vale NSW) - Saturday, Jan 08, 2005 at 23:13

Saturday, Jan 08, 2005 at 23:13
Insurance is for pesimists LOL. Michael
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Reply By: GazzaS (VIC) - Saturday, Jan 08, 2005 at 10:13

Saturday, Jan 08, 2005 at 10:13
hi brewman

We are insured with RACV Vic and when we added the gear I rang them. they advised we needed to list all the extra's - I said the fridge was bolted in - in order for it to be covered under the policy. Cost an extra $20 I think for all the "fixed" gear on/in the vehicle.

I like the idea of insuring the gear seperately - must look into it.

cheers
AnswerID: 91906

Follow Up By: Crackles - Saturday, Jan 08, 2005 at 23:49

Saturday, Jan 08, 2005 at 23:49
Yes I'm with RACV too & as long as the fridge was fitted into the draw system it was covered. Important to have all assesories listed on the policy to ensure no hassels with claims later on. My Multi policy rating one was just renewed for only $375 for a $48,000 100 series. Got to happy with that. :-))
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FollowupID: 350816

Reply By: Member - JEFF - Saturday, Jan 08, 2005 at 16:14

Saturday, Jan 08, 2005 at 16:14
Brew69

I am insured thru Australian 4wd Insurance, ie. DGA Insurance Brokers P/L Phone 03. 9670 9344. Insurance for ANYWHERE in Aust on/off road
All Contents included as extras no worries. You just list everything ie sorage unit fridge compressor etc etc etc. Policy comes back to you with your list included. They also accept ALL modifications to Vehicle.
Priced right too....well by Sydney standards anyway

Give them a try
( Underwritten by CGU)

Regards Jeff
AnswerID: 91949

Reply By: Member - Brian (Gold Coast) - Saturday, Jan 08, 2005 at 19:34

Saturday, Jan 08, 2005 at 19:34
we're with AAMI... happily too! The fridge was originally only insured if it "a fixed item" I.E Bolted down. I negotiated that back to "chained-to-the-carg-barrier-with-a-padlock". They're happy with that and so am I.
AnswerID: 91957

Reply By: Anthony from Anglyn Promotions - Sunday, Jan 09, 2005 at 00:09

Sunday, Jan 09, 2005 at 00:09
Hi,

I sell security products through an insurance broker based in Sydney who specialises in covering camping/caravaning/boats/motor bikes and outdoor equipment.

His name is John Hendricks, and I am sure he can advise how best to insure your bits and pieces. His tel No is 0412 543 601.

It is worth a try.

Regards
Anthony Taylor
AnswerID: 91991

Reply By: Glenno - Sunday, Jan 09, 2005 at 14:09

Sunday, Jan 09, 2005 at 14:09
My Fridge is insured on my home and contents insurance. ITs under the section of "portable effects", so where you would insure individual jewelery, camera gear etc. From memory they charge you 2% of the price of the goods, so a $1000 fridge will cost $20 per year to insure.
AnswerID: 92047

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