insurance on a troopy
Submitted: Tuesday, Oct 17, 2006 at 20:21
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huns
G’day 4wd experts!
Could you pls help us out with a few ideas, guidelines re insurance. From basics to policies, tricks, and companies etc. we’re absolutely greenhorns on the field but now closing on a few potential troopies out there on the market. So basically we’re first time car owners /
well will be soon I hope/ with good records using company cars only.age 33.car; troopy, second hand age btwn; 5-10 yrs wth 150-200k on the clock..strictly outdoor usage, no city hell no.no garage.is this enough to make those expert minds tick? Thanks for previous replies you guys out there are great!with regards, sz the hun
Reply By: Member - Troll 81 (QLD) - Tuesday, Oct 17, 2006 at 20:33
Tuesday, Oct 17, 2006 at 20:33
I would use a broker. Sit back and let them do all the work
AnswerID:
199601
Reply By: troopyman - Wednesday, Oct 18, 2006 at 08:01
Wednesday, Oct 18, 2006 at 08:01
The only thing i can add is that my insurer will only cover accessories up to one third of the market value of the car . In other words if my cars market value is $30,000 then the max amount i can insure my accessories for is $10,000. They are worth a lot more than that .
AnswerID:
199669
Follow Up By: Steve63 - Wednesday, Oct 18, 2006 at 08:44
Wednesday, Oct 18, 2006 at 08:44
I had the same issue as we increased the value of the add ons. The broker found someone who would cover it to 50% and still meet our other requirements re travel on non gazetted tracks, beaches etc. I forget the name but it was one of the larger companies. The companies products change all the time so it is definitely more efficent if you have a good broker.
Steve
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Follow Up By: Truckster (Vic) - Wednesday, Oct 18, 2006 at 08:59
Wednesday, Oct 18, 2006 at 08:59
Look for a different insurance company. My GQ accessories were insured for = if not more than car.
FollowupID:
458587
Reply By: The Landy - Wednesday, Oct 18, 2006 at 09:19
Wednesday, Oct 18, 2006 at 09:19
If it is a fairly standard vehicle with 'average mods', than ask the general car insurers such as NRMA etc. They will cover you for travel anywhere and personally I feel you are better served by staying with mainstream insurers where possible.
If it is more of a specialist vehicle, with mods beyond the usual, than you'll need to source a specialist insurer. This is best done via a broker and TCIS is probably a good starting point.
We went the later route with our vehicle simply because we could not get the valuation we wanted from mainstream insurers.
AnswerID:
199673
Reply By: BenSpoon - Wednesday, Oct 18, 2006 at 15:08
Wednesday, Oct 18, 2006 at 15:08
depends what state you are in- I used to work for RAC and still insure with them. If you havent had any accidents in the past 5 years (you may need to get proof from your employer in writing), you should get a full no claim bonus so thats a free windscreen each year and about 50% discount. Get NCB protection too. RACWA has aussie assist- its like a travel insurance policy when in oz- Im not sure about other states RAC's though- it covers stuff like towing your car, getting you back home/to a hospital etc when you are no where near your house.
"Strictly outdoor usage"... are you sure? I've been tempted to
park mine in the lounge a few times. Age and km of the car have no bearing on insurance price.
AnswerID:
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