Insurance cover for Off-Road

Submitted: Tuesday, May 15, 2001 at 00:00
ThreadID: 226 Views:3618 Replies:6 FollowUps:3
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When checking with insurance companies, I get open-ended replies as to what Im REALLY covered for when off-road. When I started 4WDriving a few years back, the insurer told me that I would be covered each time I told them. (This also cost extra premium). When I changed to another insurer, they told me Im covered if I stay on gazetted roads. Even this, I find confusing, because you can buy detailed geotech maps, and even dirt tracks are named. So are these gazetted if they are named?? What is everyone elses experience? Do you just take a chance?
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Reply By: rod - Tuesday, May 15, 2001 at 00:00

Tuesday, May 15, 2001 at 00:00
One of the advantages of joining a 4x4 Club is that you have access to insurance that covers you for and in any situation and location. Checkout your local 4x4 club/association.
AnswerID: 471

Reply By: Will - Tuesday, May 15, 2001 at 00:00

Tuesday, May 15, 2001 at 00:00
John,
Direct dial told me that they would cover my vehicle on any situation, give them a call and find out.
131929
AnswerID: 473

Reply By: Simon - Wednesday, May 16, 2001 at 00:00

Wednesday, May 16, 2001 at 00:00
AAMI told me that I am insured for anywhere I can legally go.
AnswerID: 477

Follow Up By: John F - Wednesday, May 16, 2001 at 00:00

Wednesday, May 16, 2001 at 00:00
Yeh, I got that too - but what does legally mean? When I asked they said gazetted roads. But what is a gazetted road? And they told me over the phone, nothing in writing. Dig deep, and youll find they have an out, and youre not covered. i think this is an area not properly dealt with.
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Follow Up By: Kelly Green - Thursday, May 17, 2001 at 00:00

Thursday, May 17, 2001 at 00:00
Before I went for a trip to Central Australian last year I contacted AAMI my insurer and asked what the limitations were on my insurance? They said everything except water crossings. I would suggest that if you are really concerned you should join a 4wd club or the 4wd association and take out the insurance provided only to these clubs.
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Reply By: Steve Walton - Thursday, May 17, 2001 at 00:00

Thursday, May 17, 2001 at 00:00
Hi John. The best cover you can get is through the Aust. National 4wd Council insurance scheme which has been set up especially for 4wd club members. Cover is available for vehicles, camping equipment and trailers and,Home & contents;2wd vehicles;boat & caravans. You MUST belong to a 4wd club to be eligible. The cover is organised through tcis.com.au/4wd.html 1800 633 745 Also a gazetted road is generally one that is maintained by a government roads department either dirt or sealed. The insurance policy through the clubs is generally very competitive but definitely gives you the full cover that you really need. The policy was written by 4wd people and then they went looking for companies that could supply the cover specified in the policy.
AnswerID: 499

Reply By: peter- Friday, May 18, 2001 at 00:00

Friday, May 18, 2001 at 00:00
John The TCIS 4 wd insurance is I believe now available to members of Trackcare also.
Phone 08 82787000. Cover is for any where in Aust.
AnswerID: 502

Reply By: Tim - Saturday, May 19, 2001 at 00:00

Saturday, May 19, 2001 at 00:00
GIO will insure you anywhere you can legally go also.
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Follow Up By: John - Tuesday, May 22, 2001 at 00:00

Tuesday, May 22, 2001 at 00:00
TCIS is the way to go, if you get out there and use an HF radio you could join Australian National 4WD Radio Network and get the insurance as a member,not to mention the sced facilities and assistance they offer.
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