TCIS Insurance

Hi Rod,

I was insured through TCIS for a number of years as their rates were OK (not the cheapest) but I believed that a tailor made insurance policy recommended by the 4WD Council was a good idea. I hoped that as more members insured through TCIS that the premiums would remain competative.
Recently I had to renew my TCIS insurance for my GU 4.8P Patrol. The premium jumped appreciably and appeared to be excessive, especially as you had to add the mandatory 4WD club membership on top.
I am now insured through Keynon Insurance Brokers with a savings of over $400 for a slightly better 4WD cover and without the requirement to be a member of a 4WD club, another possible saving.
Notwithstanding the possible extra $ saving, I will still remain a member of my 4WD club.

Hope this helps.

Happy 4 wheeling.

John

check out allianze my comprehensive policy on new pajero did exceed only $450 per year and the policy is better than the land rover policy i formerly had for $200 more regards peter

We are with TCIS and have yet to make a claim, so I cannot answer your question in that regards. Although my advice is they may not be the cheapest insurer around my 99% of the other insurance companies will not cover you once you leave a public road. So if you are involved in any serious 4wding you would be wise to considerer changing to them as you are insured regardless of where you are. So should you be doing a deep water crossing your car is covered for recovery, repair/replacement what ever the case should be. I highly doubt NRMA, AAMI, Allianze, GIO etc would want to know about it little own discuss your predicament with you. The advantage of being able to admit to such and error and have it covered sure beats lying to your insurance company and being caught out for fraud etc and gaining a criminal record and never recieving insurance again. I hope this adds another perspective to your thoughts and helps you not worry over a couple of hundred dollars a year especially if your vehicle is worth much to you.

Cheers

Renewed mine minutes ago!

GQ insured for $22k, Accessories insured for $9000
Premium
~$740
or
~$60 a month

Although some items they wont insure for full value, like my suspension lift kit. and a few other things.

My 22c on this.

None of the Major companies will cover any sort of "club" activity. If your involved in this (and seeing how you are in a club I assume you do "club" activities) you are not covered by Insurance AT ALL even on public roads, and you can include Highways with that.

Further, even if you're on your own, The Majors, will cover you to a certain degree offroad. For NRMA its a marked public road. Their Definition of this though does concern me. To that, NONE of the Majors will recover your vehicle from the Bush, in the Event of an Accident. TCIS does.

Simple answer to this. If your involved in any "Club" drives etc, you really have no alternative to TCIS, also they are certainly the most comprehensive when it comes to 4bys and Mods.

At the end of the Day though, Your money, Your vehicle.

gday Rod
dont know what state you are in but wa 4wd as. also has a state based
insurance scheem set upas well run through anon policy was the ariginal policy for the national councils current policy so it is sound dont know what pricing is like,but lets face it insurance companies are like winning lotto you never ever know how you are going to go till after the draw/prang

Hi all,

I just rang Keynon Insurance Brokers to see how they compare with my current policy.

Seems they won't insure any vehicle that has been lifted by more than one inch (which discounts many of us).

Thought you'd be interested.

Cheers
Steve

Rob

Sorry to take so long replying but have only just came across your question while looking for something else.

I had insurance cover through TCIS when my wife rolled our 4 yr old vehicle on the road to our property approx 300metres from our front gate . She swerved to miss a branch that had fallen on the road.

It took us over 12 weeks to get paid out (the car was written off).

I contacted TCIS the next day had forms sent out,filled them in with all relevent information & sent them off. Was told a couple of days latter that everything was OK (after speaking to an assesor & having vehicle assesed) and I should receive a cheque in approx. 2 weeks. 2 weeks no cheque, no call, nothing. Waited a couple more days still nothing rang TCIS who said they will find out whats happening and call back, next call was from an insurance investigator who said he had to come and talk to us about the claim.

After surviving the inquisition we were told that it should be finalised in another 2 weeks.

After 2 weeks without hearing anything I contacted TCIS again and was told that I needed a statement from my accountant advising of our GST position as the vehicle was used for business ( as we advised on both our insurance proposal and on the claim form). Got the form from accountant and sent in TCIS advised that everything is now in order and ( you guessed it ) we will receive a cheque in another 2 weeks.

After 2 weeks nothing. Usual routine rang TCIS who then said they needed a copy of rego papers.

Eventually ( after me now contacting them every second day ) we received a cheque. 12 weeks after the accident.

During this time we only had the farm vehicles for transport ie truck & ute we are a family of 6 so had to travel with unrestrained children. Being 20km from nearest town with no public transport, taxi service or car rental place (who could afford to rent an appropriate sized vehicle for 12 weeks anyway). Our children had to forego many sporting activities and social outings as we didn't want to risk travelling with unrestrained passengers.

I suppose what really annoyed me was that TCIS who receive commission from my premiums did nothing, I had to continually ring them and not once did they know what was going on with my claim. All the things that were needed were standard requirements which if asked for initially could have been provided within a week.

This accident was straight forward & on a well used gazetted local road , goodness knows what it would have been like if it was in the middle of the desert somewhere.

Needless to say our new vehicle is now insured with some else. ( Our local Elders rep who I know and can talk to face to face).