AAMI - no cover for club members?
Submitted: Thursday, Jul 28, 2005 at 23:57
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Truckster (Vic)
Dude on Outerlimits called today to get a quote from AAMI.
The story goes:
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Was just told by AAMI that joining a 4wd club would void my insurance policy on the Suzuki. So... I have 14 days to find someone better or do I just never tell them when I join?
They also seemed dodgy on what constitutes a "road"...enough to get me thinking they'll take my money and we'll end up in court if an accident arises on a 4WD track.
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Another story from AAMI ? Or just another pleb on the phone with no idea? Hope those singing the praises of AAMI arent in a club - not that AAMI would really know what to do by the sound of it.
Or was that just the story they told today..
Wonder what 3minutes time will bring ....?
Reply By: Footloose - Friday, Jul 29, 2005 at 07:11
Friday, Jul 29, 2005 at 07:11
AAMI's answer to whether I'm covered ...."If its a gazetted road or track, you're covered". So....the CSR ? I doubt it. Docker River to
Papunya ? Nope..... etc etc
However, my vehicle was severely damaged by hail at a (dare I admit it ?) shopping centre, and there were no hassles getting it repaired. I was pleased with the results.
AAMI ? Dammed if I do and dammed if I don't.
AnswerID:
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Reply By: vitara - Friday, Jul 29, 2005 at 07:30
Friday, Jul 29, 2005 at 07:30
Hi all I have the hilux insured with nrma. I was told by someone that if the road is not on a map your not covered so I went to the nrma office direct and asked them. They told me I am covered anywhere as long as I am not partcicipating in any 4wd events/competition
hill climb etc in other words the nissan trials things like that. I was told that I am covered for driving on the beach etc, so am currently insured with them $700 a year for the hilux areed value of $15,000 Take Care Vitara
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Follow Up By: bundyman - Friday, Jul 29, 2005 at 07:42
Friday, Jul 29, 2005 at 07:42
"not covered if road is not on a map" - which map??? I can pick up 10 different maps and they'll all have different degrees of detail and hence have different roads/tracks on them.
I'd be getting that quote from NRMA clarified straight away. Otherwise if you put in a claim for say a rollover that happened on "Smith Rd (dirt track)" they'll just do a quick search until they find a map without that road on it............I've heard of them doing worse things.
Cheers,
Hughesy
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Follow Up By: vitara - Friday, Jul 29, 2005 at 08:44
Friday, Jul 29, 2005 at 08:44
Sorry bundyman maybe I didn't explain myself properly, I was told buy another 4wd mate that nrma dont cover me if the road is not on a map. I asked the nrma so if I decided to divert off the main dirt road to see what was down a certain side track as you do with a 4wd then if I rolled the vehicle while off the beaten track or driving across a paddock I would still be covered and they said yes I have just rang them again while typing this and verified it again said I told her I was going to
stockton beach on sunday she just said totally covered as long as you are not participating in any event as said in previous post. Hopefully that cleared things up from my previous post .Take Care Vitara
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Follow Up By: Truckster (Vic) - Friday, Jul 29, 2005 at 09:34
Friday, Jul 29, 2005 at 09:34
I agree with the question " WHOSE MAP"??
I have ozi explorer and photoshop, I can make my own maps.
My club property has mud maps of tracks on the property.. are you covered?
also Vitara, did you get it in writing on NRMA letterhead while you were there or only spoke to some pleb at the counter?
** GET IT IN WRITING ** PHONE CALLS ARE WORTHLESS IN COURT
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Follow Up By: vitara - Friday, Jul 29, 2005 at 10:16
Friday, Jul 29, 2005 at 10:16
No I didn't get in writing but I will call in on the way
home and see if I can.Will be interesting to see if I can or wether its one of those things where it is just in their computer will let you know how I go. Will know by 2pm today. Never thought of that will be good to have in the event of any misfortunes eg roll over Thankyou As you said verbal or a phone call meansbleepin a court room.Take Care Vitara
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Follow Up By: Mike Harding - Friday, Jul 29, 2005 at 20:43
Friday, Jul 29, 2005 at 20:43
>** GET IT IN WRITING ** PHONE CALLS ARE WORTHLESS
>IN COURT
Do you know what an insurance policy is for? Try reading it. It's a written document btw and it's the agreement between you and your insurers – nothing else matter this side of a courtroom.
Mike Harding
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Follow Up By: Truckster (Vic) - Monday, Aug 01, 2005 at 10:26
Monday, Aug 01, 2005 at 10:26
Yes Mike I do.. Now you read that little book, and it does not cover everything you SHOULD know about offroading, and coverage..
If something goes wrong, and they dont pay up, you go to court, and tell the beak "The delightful lady with the IQ of 1 on the phone told me I was covered"... Now, what do you think Mr Corruption behind
the bench will say? (let me give you a hit - it wont be in your favor)
If you have it in writing, you go to Mr Beak - Here it is and I was doing everything
well within the bounds they gave me in writing- you have a very good chance of winning.
everything matters this side of a court room.
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Follow Up By: BenSpoon - Monday, Aug 01, 2005 at 22:33
Monday, Aug 01, 2005 at 22:33
Truckster-
check your policy book, and after you dont get your clarification on what material the surface of road must be made of, consult theother part of the policy: exclusions. Generally theres stuff like not covered if used in: speed or
hill climb
test, experiment, time trial, pacemaking, racing, unlawful or a blatantly obvious damage risk.
If they prove you were offroad where you were not meant to be (say bush bashing in a national park), you're cactus.
If they state you are covered, and do not mention your situation in the exclusions, you are safe. Should they dispute it, you have several levels of complaint resolution that will hear you, free legal advice and at worst, they bow before large newspapers and TV stations.
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Reply By: DJK - Friday, Jul 29, 2005 at 07:33
Friday, Jul 29, 2005 at 07:33
We are insured with Suncorp...
My vehicle caught fire on an inland Fraser island track earlier this year..
No probs with the claim including towing across the island and they assisted with some out of pockets up to I think it was $500.00..
plus a rental car for two weeks although it was only a Corolla ..
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Reply By: Member - Crazie (VIC) - Friday, Jul 29, 2005 at 08:02
Friday, Jul 29, 2005 at 08:02
Rang AAMI to
check that we we covered across ths simpson. Was told most definately as long as we were on a designated tracks. The person had to go away and double
check about 3 times, but was reasured a was. Was also told was covered 4wd'in as long as i wasnt doing something stupid, define stupid, he said something like going through a deep water crossing with out a snokel, reassured him i had a
snorkel lol.
They seem good to be, but have never had the need to make a claim...
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Follow Up By: Leroy - Friday, Jul 29, 2005 at 08:53
Friday, Jul 29, 2005 at 08:53
'Was also told was covered 4wd'in as long as i wasnt doing something stupid'
lol....I was looking at your pick when I was reading your post.. lol
Better hope AAMI dont read this site!
Leroy
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Follow Up By: Member - Crazie (VIC) - Friday, Jul 29, 2005 at 09:23
Friday, Jul 29, 2005 at 09:23
Hi Leroy
hahaha, yes but i was on a designated track, not my fault the track had turned tobleepe lol...
Recently did the exercise for new insurance and no one came close to my policy ($$$). Have had the Jack with them for a while and other insurance through them.
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Follow Up By: Gerhardp1 - Friday, Jul 29, 2005 at 10:15
Friday, Jul 29, 2005 at 10:15
A friend drowned his Rodeo in the Wongongara river a while ago without a
snorkel fitted.
AAMI accepted the claim for the new engine ($13000 all up).
Was he being stupid? arguably, but they paid anyway.
Now he has a
snorkel and a lift ! (Oh - and so do I because I went throught the same crossing in the Jack at the time but luckily the Jack is a bit taller than the Rodeo.)
I'm also insured with AAMI.
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Follow Up By: rob&kev&roo - Friday, Jul 29, 2005 at 10:30
Friday, Jul 29, 2005 at 10:30
it doesn't matter what the staff of any insurance agencie tells you if it is not in writing in the policy it does not count. the insurance company is not responsible for what thier staff say, this has been quoted many times in court and has always been upheld by the courts. as for "not doing anything stupid" if they could show driving to the local shops in bad wheather was a stupid act and therefoe contributed to an accident, so got them out of paying they would. anything to stop a payout.
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Follow Up By: Truckster (Vic) - Friday, Jul 29, 2005 at 10:31
Friday, Jul 29, 2005 at 10:31
nobody came close in $$$.
I'd rather pay more and KNOW that Im covered.. but you never really DO know your covered until its too late.
Then again, I tried the DGA insurance - they were DOUBLE the others!
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Follow Up By: Member - Crazie (VIC) - Friday, Jul 29, 2005 at 10:40
Friday, Jul 29, 2005 at 10:40
Mate you only know you are fully covered when you have to make a claim..until then who knows...
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Follow Up By: Willem - Friday, Jul 29, 2005 at 18:35
Friday, Jul 29, 2005 at 18:35
Ads
Remember the 'designated' tracvk to see the
salt lake???????????
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Reply By: Member - Blue (VIC) - Friday, Jul 29, 2005 at 10:24
Friday, Jul 29, 2005 at 10:24
I just wish the insurance companies would develope a set of do's & don'ts, put them in black and white and then there would be no arguments... Part of the excercise with getting my lease was to see if I could better the pricing on insurance. AAMI sent a letter out to me saying they wont insure a 4wd unless I had an existing policy(car or house), then they would consider it...
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Follow Up By: Truckster (Vic) - Friday, Jul 29, 2005 at 10:27
Friday, Jul 29, 2005 at 10:27
According to them they DO have a do and dont book.. its that dodgey little legal double dutch piece of dribble they give you AFTER you pay your $.
Id pay an extra $25 to have a policy that is just 2 A4's with simple listing of what you ARE and ARENT covered for.. but then I am living on my own pretty little planet.
Theres another story : wont insure a 4wd if you dont bring the rest of your business to them? What a load ofbleep!
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Follow Up By: Member - Blue (VIC) - Friday, Jul 29, 2005 at 10:30
Friday, Jul 29, 2005 at 10:30
Sorry, I meant a simple black & white publication written in lay-peoples terms, with NO room for legal interpretation...
Too much to ask??? LOL
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Follow Up By: Truckster (Vic) - Friday, Jul 29, 2005 at 10:32
Friday, Jul 29, 2005 at 10:32
LMAO!
yea I know.
come live on my planet with me, its really simple, its like australia was in 1970... No political correctness, and things that should stay in the cupboard are in there with no way out
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Follow Up By: Member - Blue (VIC) - Friday, Jul 29, 2005 at 10:35
Friday, Jul 29, 2005 at 10:35
Vote 1. Bruce for PM...
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Follow Up By: Member - bushfix - Friday, Jul 29, 2005 at 10:45
Friday, Jul 29, 2005 at 10:45
1970, yeah that'd be good...
we fit Hendrix in but Phil Collins was not on the scene yet.
sound good to me! (geez it's a whole new topic eh?)
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Follow Up By: Truckster (Vic) - Friday, Jul 29, 2005 at 12:30
Friday, Jul 29, 2005 at 12:30
Heres my MP3 Listing - most is 70/80s!
pick one for an anthem...
Baggy trousers from madness sounds good
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Follow Up By: Skinny- Friday, Jul 29, 2005 at 16:10
Friday, Jul 29, 2005 at 16:10
Ahhhhhh 1970 took my Chev across the levie but the levie was dry
NRMA were happy but AAMI said goodbye.....
I for it Bushfix where is that panet.
I just looked up my policy with NRMA said that I was not covered if part of rally or club event. Think i better not join a club, but as Groucho said....I wouldn't join any club that would have me as a member.
What about explore oz.......? Nah were not a club anyone can get in.
Skinny
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Reply By: rob&kev&roo - Friday, Jul 29, 2005 at 10:35
Friday, Jul 29, 2005 at 10:35
if you do not declear that you are in a 4WD club and they find out you are they will void your policy with n hesitation. if not being in a 4WD club is a part of a policy find a new insurance company or get out of the club, becuase they will do a search to find out when it comes time to pay. afterall insurance companies are there so the fat cat executives can have a great lifestyle not so the common man can have piece of mind{and that ain't no lol}
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Follow Up By: Member - Chrispy (NSW) - Friday, Jul 29, 2005 at 10:56
Friday, Jul 29, 2005 at 10:56
I just spoke to senior claims management at AAMI - and they absolutely refute this. They said in plain English - "we could not possibly refuse your claim based on the fact that you are a member of a 4WD club".
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Follow Up By: flappa - Friday, Jul 29, 2005 at 11:14
Friday, Jul 29, 2005 at 11:14
There is ABSOLUTELY no way known they can void your insurance by simply being a member of a 4wd club.
In fact , I'm sure I have it in writing that AAMI , is one of the ONLY insurance companies that DO allow their insurance to cover you on club trips.
NRMA never did , and was highlighted by the NSW Assoc.
I have also had a quote from another insurance company , which is ALSO owned by AAMI , and they have said that they will cover you ANYWHERE in Aus , as long as you are LEGALLY allowed to be there , no maps mentioned.
The only restriction was , Motor Sport Events , far enough.
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Follow Up By: Member - Smocky (NSW) - Friday, Jul 29, 2005 at 13:54
Friday, Jul 29, 2005 at 13:54
I'm with Alliance I think (I'll have to check that !!)
When I spoke to them it was very clear:
You are covered ANYWHERE YOU ARE LEGALLY ALLOWED TO BE, SO LONG AS IT ISN'T IN A COMPETITION
Exactly as Flappa said.
Cheers,
Smocky.
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Reply By: Redback - Friday, Jul 29, 2005 at 10:46
Friday, Jul 29, 2005 at 10:46
As alot of you are aware i drowned our Explorer in the Wollondilly River and it was covered Allianz, had no probs covering it which shocked me, as i said to the guy on the phone so you do cover dumbarse acts, he said, yes i guess so.
We were happy with them.
I refuse to deal with AAMI as they would not insure me once when we lived in Blacktown saying that i lived in a high risk area.
Baz.
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Follow Up By: Willem - Friday, Jul 29, 2005 at 18:38
Friday, Jul 29, 2005 at 18:38
Baz
How did you go with the rear window claim?
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Reply By: muzzimbidgie - Friday, Jul 29, 2005 at 12:10
Friday, Jul 29, 2005 at 12:10
WHOA BOYS.
The one thing all you guy's are forgetting,
***ANY*** 4WD club worth joining should be affiliated, and therefore must have insurance covering all club registered vehicles participating any any club sanctioned event.
This is why you are told that your vehicle must be registered, roadworthy, and the driver must hold a valid current drivers license.
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Follow Up By: Truckster (Vic) - Friday, Jul 29, 2005 at 12:11
Friday, Jul 29, 2005 at 12:11
Thats good if your on a club trip...
what if your not?
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Follow Up By: flappa - Friday, Jul 29, 2005 at 12:34
Friday, Jul 29, 2005 at 12:34
WRONG.
No club that I'm aware of has Insurance to cover damage to vehicles . . EVER. HOW expensive do you think that would be ?
What clubs have is insurance to cover Public Liability in the event of something happening on the trip.
Vehicles MUST be registered and Roadworthy and Have a Curretn drivers licence because they are driving on Public Roads , nothing else.
I think it would pay to recheck your facts.
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Reply By: muzzimbidgie - Friday, Jul 29, 2005 at 12:25
Friday, Jul 29, 2005 at 12:25
If your NOT on a club trip, and you have an accident, whether you are, or are not a member of a 4WD club is irrelevant, just as your religion, or whether your circumsized or not, it's irrelevant.
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Follow Up By: Truckster (Vic) - Friday, Jul 29, 2005 at 12:28
Friday, Jul 29, 2005 at 12:28
If they say you cant be in a club, and you are, and your in an accident, you would expect them to pay - EG:
"Was just told by AAMI that joining a 4wd club would void my insurance policy on the Suzuki."
FWIW, I agree with you. what thebleepdifference should that make?
I'm also in a Model Train club, a Motorcycle club, a Camera Club, and I work for a living paying tax, should any of them reasons void my insurance?
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Follow Up By: Member - bushfix - Friday, Jul 29, 2005 at 13:37
Friday, Jul 29, 2005 at 13:37
model train club?
i hear there's a job in
Sydney you may be interested in ...
yeah sorry... it' sin
Sydney
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Reply By: Richard - Friday, Jul 29, 2005 at 19:08
Friday, Jul 29, 2005 at 19:08
I'm in a 4WD Club, insured with AAMI and work for another insurer. I'm comfortable.
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