more about insurance!!

Hi

This is a follow up on my previous post about 4wd insurance. Its not so much a question as a bit of follow up for those that are interested!

I wanted insurance that would cover a bit of offroad (ie a few national park/state forest trails and the odd beach).
I thought that my AAMI wouldn't cover that so I went looking for other options.

Currently my policy with AAMI is rating one fully comp. for a '90 gq 4.2D Patrol SWB dx with bullbar, snorkel, aircon, dual battery and heavy duty(ish) springs. They rather optimistically value the truck at $12000
That comes to $659 for the policy.

TCIS, who advertise that they will cover offroad driving quoted $919 (They value the truck at $14000)

Australian 4WD insurance quoted $1660 (These guys were really funny. Not only was there quote funny but they thought my truck was worth $16500!!!)

After all that I thought I'd better phone AAMI and find out just what they covered. I said exactly what I've told you. We'll be driving on beaches and on 'non-gazetted' roads in national parks and state forests. They said (after checking with their boss) that as it was fully comp. I was covered for those things.

They don't cover the fridge,laptop,cameras etc. though. Those will all have to come under home contents. The rest of the camping gear is pretty battered and bruised so I'm a bit less concerned about it. TCIS will cover it for $100 for every $2500 worth of gear though (not the electrical bits though)

I hope that has been of some help to those in a similar situation to myself.