Insurance

Submitted: Friday, Jun 02, 2006 at 11:40
ThreadID: 34534 Views:1536 Replies:8 FollowUps:8
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Have been with NRMA but have decided to look around for once.

I have looked at other posts and a lot of people say tcis is a good one - not neccessarily cheaper but have better cover, so is this still the case ?

What are other good ones that insure modified 4b's and do people really get away with "Exploroz" being their 4wd club name!!??!!

Just wanting the latest info off anyone that can help...

Laura

P.S If y insurance i due half way through our trip - t can be paid in advance and changed to someone else cannt it??!! Thanks....!MPG:11!
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Reply By: Scoey (QLD) - Friday, Jun 02, 2006 at 11:43

Friday, Jun 02, 2006 at 11:43
Cheapest price I coulod get for my 80 in QLD was thru AAMI. Cheaper by far!
Cheers, Scoey!
AnswerID: 176303

Reply By: Geoff (Newcastle, NSW) - Friday, Jun 02, 2006 at 12:15

Friday, Jun 02, 2006 at 12:15
hello Laura,
My 2006 Troopy is through AAMI, good price and over time good coverage.
The guy I work is insured with AAMI he lost his Ford Courier 4wd years ago in a scenario like the Landcruiser in your photo. They recovered it from the river, wrote it off on the day and cheque in a week.

Geoff.
Geoff,
Landcruiser HDJ78,
Grey hair is hereditary, you get it from children. Baldness is caused by watching the Wallabies.

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AnswerID: 176309

Reply By: Fast_Patrol - Friday, Jun 02, 2006 at 12:26

Friday, Jun 02, 2006 at 12:26
I too am with AAMI - the only condition to be aware of is you are covered when on marked tracks. Be careful when paddock bashing.

Cheers
Andrew
AnswerID: 176316

Follow Up By: Richard W (NSW) - Friday, Jun 02, 2006 at 14:13

Friday, Jun 02, 2006 at 14:13
I'm also with AAMI and and shopped around prior to renewal including TCIS. I also sought clarification of their definition about where you are covered as the policy does not state it. The answer was "On and Off Road" with no qualifications.
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FollowupID: 432369

Follow Up By: Member - Phil G (SA) - Friday, Jun 02, 2006 at 16:17

Friday, Jun 02, 2006 at 16:17
I had the same answer as Richard - cover you anywhere. We've had good experiences with AAMI
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FollowupID: 432411

Reply By: chump_boy - Friday, Jun 02, 2006 at 12:44

Friday, Jun 02, 2006 at 12:44
We're with Australian 4WD Insurance, underwritten by CGU, and can't fault them yet. They seemed to be the most comprehensive (full coverage anywhere, not just on formed tracks), and were about $50 more than the cheapest we could get.

As luck (or otherwise) would have it, my cruiser is in the shop at the moment, and the other guy was with NRMA - couldn't fault them at all. They have been real helpful, and the car is just about fixed, after being approved Tuesday (accident happened Friday night). All this considering I am the "other driver", and basically wrote off his car...... (his fault, thank christ!)

Cheers,

Chump
AnswerID: 176321

Follow Up By: Member - Howard (ACT) - Friday, Jun 02, 2006 at 13:21

Friday, Jun 02, 2006 at 13:21
chump,
you will find most insurance companies treat the "Not at fault "party pretty well " as they are keen to get you happy to sign off on the release. otherwise they are left with a situation where you might sue in the future.Panel damage costs peanuts compared to medical expenses etc in the future and they want sign off so they have no likelyhood of outstanding liability against a future claim.

I believe if you pay insurance you are entitled to be benefits when things go When dealing with insurance shouldnt have to be satisfied that you didnt get screwed over , you pay premiums you are entiltled to benefits payable under the policy.

cheers
Howard
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FollowupID: 432354

Reply By: Plantman - Friday, Jun 02, 2006 at 13:15

Friday, Jun 02, 2006 at 13:15
Try Budget Direct. They were cheaper again when I got mine.
AnswerID: 176329

Reply By: johannagoanna - Friday, Jun 02, 2006 at 13:17

Friday, Jun 02, 2006 at 13:17
Laura, I went through this a while ago now! Ended up going with Shannons for $400 less than the next cheapest, and it seems to be a really good policy. We had our old Holden with them a few years ago, and never had a problem.

Jo
AnswerID: 176331

Follow Up By: macca172 - Friday, Jun 02, 2006 at 20:55

Friday, Jun 02, 2006 at 20:55
I got quoted $816 for my Navara ST-X($44,000) through GIO. Thought that was a bit over the top, so got a quote from Shannons which came in at $1,200? I will have to try AAMI.

Macca
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Reply By: Dereck - Friday, Jun 02, 2006 at 14:52

Friday, Jun 02, 2006 at 14:52
hey laura, try AAMI i have same fourby as yours, $600/yr fully comp thats taking the $2000 excess.
cheers D
AnswerID: 176365

Follow Up By: Dereck - Friday, Jun 02, 2006 at 14:54

Friday, Jun 02, 2006 at 14:54
forgot to mention was prev with NRMA renewal came in inssured value down $2000 policy up $250, rang em up abused them, and switched to AAMI
cheers D
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Reply By: Mr Fawlty - Friday, Jun 02, 2006 at 16:51

Friday, Jun 02, 2006 at 16:51
I am with APIA 132555. Excellent policy including good cover for personal items including lost or stolen keys. I pay $548 for a 2002 TD jackeroo with $450 excess. Monthly payments at no extra is a good point anyway. You have to be over 50 though....
AnswerID: 176397

Follow Up By: ro-dah-o (WA) - Friday, Jun 02, 2006 at 17:06

Friday, Jun 02, 2006 at 17:06
dont think Laura B would qual for that one....
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FollowupID: 432430

Follow Up By: cokeaddict - Saturday, Jun 03, 2006 at 15:49

Saturday, Jun 03, 2006 at 15:49
ro-dah-o.....ok now looking at the pic mate, Im thinkin....yes its gone...no its not !

So tell me...did she land back on her feet or decide to reshape the drivers side panels ?

Ange
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Follow Up By: ro-dah-o (WA) - Saturday, Jun 03, 2006 at 20:43

Saturday, Jun 03, 2006 at 20:43
Stayed up, just!!!

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worth a look
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