4x4 insurance

Submitted: Tuesday, Feb 28, 2006 at 22:35
ThreadID: 31273 Views:1748 Replies:7 FollowUps:8
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I am interested in hearing from anyone with regards to who they have insurance with,especially with vehicles with over 50mm lift in suspension.My policy is due and i was doing a little research and wondering who covers for vehicles with this kind of lift.Just about everyone will cover you for under 50mm but not over.
Many thanks
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Reply By: Haza - Tuesday, Feb 28, 2006 at 22:40

Tuesday, Feb 28, 2006 at 22:40
Try Aust 4wd insurance by DGA or Unquie car Insurance. Though i'm with Just 4 cars, but am going to get a quote from these before I renew.
AnswerID: 157692

Follow Up By: Haza - Tuesday, Feb 28, 2006 at 22:40

Tuesday, Feb 28, 2006 at 22:40
DGA is for over 25yrs only
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Follow Up By: Member - Doug T (QLD) - Tuesday, Feb 28, 2006 at 23:06

Tuesday, Feb 28, 2006 at 23:06
Back in the 90s ARB had 4x4 insurance traded as BRB

TRY http://www.dgainsurance.com.au/4wd.htm
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FollowupID: 411997

Reply By: Member - Troll 81 (QLD) - Wednesday, Mar 01, 2006 at 02:00

Wednesday, Mar 01, 2006 at 02:00
Hi Don

I go through a mob called TCIS their claim to fame is unlimited mods unlimited accessories. I have never had to claim through them but found them very good to deal with. They know what you are talking about when you say you have Polly air bags or air lockers, no questions like what do you use that for and stuff like that

Good luck
AnswerID: 157737

Follow Up By: Member - Don (QLD) - Wednesday, Mar 01, 2006 at 22:30

Wednesday, Mar 01, 2006 at 22:30
Troll 81,
Did you manage to get a quote from DGA insurance as well.Who did you find cheaper.Is tcis a good company to deal with and are they competetive in your opinion.
Thanks
Don
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Follow Up By: Member - Troll 81 (QLD) - Thursday, Mar 02, 2006 at 10:30

Thursday, Mar 02, 2006 at 10:30
Hi Don

From what I have seen yes they are right up there. They only deal with 4x4....but I have not yet claimed through them. I am under 25 and most places would not touch my car because of all the gear and crap on....when I phoned around for quotes I got very frustrated...when we get down to the accessories and mods parts...I will go through the list...I have a UHF...and it will be like, what is a UHF and what does it do....the same went for allot of the other stuff. TCIS knew exactly what I was talking about. I pay around $890 a year but that is purely due to my age I think
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Reply By: Scoey - Wednesday, Mar 01, 2006 at 10:52

Wednesday, Mar 01, 2006 at 10:52
Hi Don,
Can't help you with the insurance question but just wanted to say your rig looks tops mate! Nice work! ;-) I see a truck like that getting around north of Brissy every now and then. That be you?
Cheers
Scoey.
AnswerID: 157779

Follow Up By: Laura B - Wednesday, Mar 01, 2006 at 11:51

Wednesday, Mar 01, 2006 at 11:51
with ya there Don...looks good.....But for insurance i go through NRMA but thats cos i always have and never thought of going through someone else, plus ive never thought about there policy on the extra's....i better do research too i think!! for all you mathalogical people in inches how high is 50mm....??? not that im old and need to use the old system or anything...honest!!

Laura B
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Follow Up By: Boo - Wednesday, Mar 01, 2006 at 15:46

Wednesday, Mar 01, 2006 at 15:46
Hi Laura B,

50mm is the equivalent of 2".

We were also with NRMA however have just changed over to Western QBE, after pricing around found that NRMA were far more expensive than any other company I contacted, around $275 per year more than our new policy.

Kerrie.

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Follow Up By: Member - Don (QLD) - Wednesday, Mar 01, 2006 at 22:25

Wednesday, Mar 01, 2006 at 22:25
Thanks Scoey,
There is another truck that looks like mine who is close to me as well.
You cant beat a good looking 80 dolled up to the nines.
Cheers
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Follow Up By: Member - Don (QLD) - Wednesday, Mar 01, 2006 at 22:28

Wednesday, Mar 01, 2006 at 22:28
My biggest drama is when you let them know all about your accessories and modifications as soon as you mention your vehicle is about 4 inches high they say "Sorry we can't insure you".Can be very frustrating.
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Reply By: johannagoanna - Wednesday, Mar 01, 2006 at 13:07

Wednesday, Mar 01, 2006 at 13:07
We are with Allianz, and have a 2" lift, they don't have problems with that, or at least they didn't when I told them, haven't had a claim though! - Jo
AnswerID: 157818

Reply By: Member - TPM (SA) - Wednesday, Mar 01, 2006 at 17:50

Wednesday, Mar 01, 2006 at 17:50
Dont forget to tell the company you are with EO as some offer discounts for being in a 4wd club
AnswerID: 157880

Reply By: boogyman - Thursday, Mar 02, 2006 at 17:30

Thursday, Mar 02, 2006 at 17:30
try NRMA they are pretty good to deal with and very competitive with prices
AnswerID: 158127

Reply By: Member - Landie - Friday, Mar 03, 2006 at 11:44

Friday, Mar 03, 2006 at 11:44
My understanding is that anything over a 50mm lift is an underwriting problem. Not necessarily related to the insurer themselves and this potentially affects all companies.

Insurance companies will have a large part of their insurance book underwriter by re-insurers to limit their own liability. One of the stipulations of re-insurers is they won't do anything above 50mm, therefore insurance companies won't either.

AnswerID: 158322

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