TCIS the problems begin

Submitted: Tuesday, Mar 25, 2003 at 20:48
ThreadID: 4055 Views:1997 Replies:8 FollowUps:31
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Hi Group
Just got the renewal for the 2002 GU Ute from TCIS. What a shock! Rating one and the price has gone from $1020 to $1565.

CGU will no longer cover 4WD's unless they have manufacturers suspension ie Nissan Toyota fitted.

They would not cover it even though the suspension has only been upgraded to take the weight of the bullbar and winch and the camper on the back. Inspecting it was not an option, they just said take the suspension back to normal or no cover.
Spoke TCIS and they are having trouble getting insurance companies to cover 4WD which do not have stock standard suspension
Ray
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Reply By: diamond - Tuesday, Mar 25, 2003 at 21:11

Tuesday, Mar 25, 2003 at 21:11
try direct dial insurance our gq 1990 with lift kit 2" winch ect all covered for $17000 covers of road as well so long as your allowed to be there costs us with rating 2 about $340 try them not sure about big mods but you can only ask
AnswerID: 16100

Follow Up By: Truckster - Tuesday, Mar 25, 2003 at 21:38

Tuesday, Mar 25, 2003 at 21:38
Wont do me though, 6in lift, 33's body lift, and all 100% VicRoads Engineered and approved.


thats what bleep s me, Im legal and all the trash out there with their lowered Gino mobiles 1inch off the ground, 24inch wheels with 10 profile tires, with more HP than the space shuttle get away with it...

I have no problem getting bleep boxes off the road, but legal cars, leave alone....

Im shocked that TCIS wont touch you with "non Genuine Suspension"???

So you walk into Toyota and ask for Genuine 40 series Shocks and Springs they will beat you to death...
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FollowupID: 9851

Follow Up By: Kev. - Tuesday, Mar 25, 2003 at 22:01

Tuesday, Mar 25, 2003 at 22:01
"Stock suspension"

Well there goes 99% of all 4wds off the insurance list !
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FollowupID: 9852

Reply By: chrisfrd - Tuesday, Mar 25, 2003 at 21:58

Tuesday, Mar 25, 2003 at 21:58
Shock-horror!

I just forked out about $900 for my GUII 3.0TDI Patrol with a 3 inch lift. They didn't have a problem with it! I put it on the quote, so it's not as if they weren't being told about it.

What are companies like ARB and TJM going to think about insurance companies doing such things???? As usual, money talks and bull bleep walks the marathon. If you are with TCIS, you would need to be with a club, so go and talk with them.. If they persisted with this bleep , then our club would probably drop them like a hot-rock. (Some 200 cars insured with them too!)
AnswerID: 16110

Follow Up By: Kev. - Tuesday, Mar 25, 2003 at 22:04

Tuesday, Mar 25, 2003 at 22:04
They wont have a problem taking your money , but may find exuses to pay up if needed.

What , a insurance company wouldnt do that...........Would they ?
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FollowupID: 9853

Follow Up By: chrisfrd - Wednesday, Mar 26, 2003 at 10:33

Wednesday, Mar 26, 2003 at 10:33
Just talking to them about it now. Perhaps we should all E-mail Daniel@tcis.com.au to enquire????

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FollowupID: 9886

Follow Up By: chrisfrd - Wednesday, Mar 26, 2003 at 10:33

Wednesday, Mar 26, 2003 at 10:33
Just talking to them about it now. Perhaps we should all E-mail Daniel@tcis.com.au to enquire????

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FollowupID: 9887

Follow Up By: Truckster - Wednesday, Mar 26, 2003 at 11:40

Wednesday, Mar 26, 2003 at 11:40
We could melt down their mail server :D
Good idea.
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Follow Up By: chrisfrd - Friday, Mar 28, 2003 at 14:40

Friday, Mar 28, 2003 at 14:40
That's Devious Truckster!!!!


Sorta like driving a new Rodeo.......
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Reply By: Member - Alan- Tuesday, Mar 25, 2003 at 22:02

Tuesday, Mar 25, 2003 at 22:02
Thanks for the timely info. I was about to change insurance to them. They did not mention the non standard shocks etc.
I will now go to my current insurer and check that the new suspension is ok with them, to be sure. Over the telephone my current insurer said as long as the RTA say OK then you are OK on any gazzetted road.
AnswerID: 16111

Follow Up By: chopper - Tuesday, Mar 25, 2003 at 22:11

Tuesday, Mar 25, 2003 at 22:11
a gazzeted road is not any road, there are many places that you can legally drive, with or without permits that are not gazzeted roads.

and there are many roads (even formed and sealed ones) that are not actually gazetted.

How about private property??
Shopping centres?

Damn this is worrying stuff!!

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FollowupID: 9859

Follow Up By: Truckster - Tuesday, Mar 25, 2003 at 22:20

Tuesday, Mar 25, 2003 at 22:20
Im with Chopper.

Im starting to think this is the beginning of the end.

As someone said
"stock Suspension".... thats 99.9% of 4wds on the road.

Ray that posted the original post is on this forum, I hope he will reply to this soon.
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FollowupID: 9864

Follow Up By: Truckster - Tuesday, Mar 25, 2003 at 22:22

Tuesday, Mar 25, 2003 at 22:22
Alan.

Out of interest call them up and ask. Get another opinion from them.

Im going to call tomorrow. Be interesting to see...
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Follow Up By: Member - Alan- Tuesday, Mar 25, 2003 at 22:28

Tuesday, Mar 25, 2003 at 22:28
Ok will call tomorrow.
Sent a fax to Sydney office the other day and did not get a reply, so will call them and Perth office. Let you know how it goes.
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FollowupID: 9868

Follow Up By: Truckster - Tuesday, Mar 25, 2003 at 22:53

Tuesday, Mar 25, 2003 at 22:53
Try 1800 633 745 TCIS

1800 number. Let them pay unless your with Optus who now charge YOU the caller for 13 and 1800 #'s......


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FollowupID: 9870

Follow Up By: Member - Raymond - Wednesday, Mar 26, 2003 at 19:04

Wednesday, Mar 26, 2003 at 19:04
Hi Truckster
I am attending the club committee meeting tonight and we will be sending a letter to 4WD Victoria and to TCIS. The modifications on the vehicle had been listed on the old policy and are in accordance with Vicroads requirements. Willtell you the answer when we get it
Ray
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Follow Up By: Truckster - Wednesday, Mar 26, 2003 at 21:32

Wednesday, Mar 26, 2003 at 21:32
Ray, dont hold your breath....

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Reply By: Rod - Wednesday, Mar 26, 2003 at 10:13

Wednesday, Mar 26, 2003 at 10:13
Got my renewal notice yesterday as well. TCIS premium went up 36% but agreed value of vehicle went down 42%. Agreed value is a misnomer.

Not impressed. Getting a quote from Shannons.

AnswerID: 16139

Follow Up By: Truckster - Wednesday, Mar 26, 2003 at 11:38

Wednesday, Mar 26, 2003 at 11:38
I would be interested to see the differences, and the "wording"..

eg are you covered anywhere like the TCIS one or only on the 4 lane hwy?

Mods and accessories...

Premiums going up 36%? Thats INSANE.. unless you have made several claims of $50k or more.....
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FollowupID: 9891

Follow Up By: Rod - Wednesday, Mar 26, 2003 at 12:16

Wednesday, Mar 26, 2003 at 12:16
I've had one free windscreen whilst with TCIS. No other claims.

Yes my vehicle is moderately accessorised, but no additions since last policy
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FollowupID: 9897

Reply By: Truckster - Wednesday, Mar 26, 2003 at 11:37

Wednesday, Mar 26, 2003 at 11:37
This is the response from th Vic 4wd Association insurance man. I forwared Rays post to them to see if they actually are doing anything.

--------------------------------------------------------------------------------------
Hi Bruce
Re your insurance renewal. As of end March CGU will no longer be our underwriter and a panel of insurers will be quoting on our cover as renewals arrive unfortunately yours has come a little early.

I will pass your comments on to Ken Bradey of TCIS and see what can be done

Peter T
State Insurance officer.

AMV Automotive
19-20 Elliot Place
Ringwood Vic 3134
Australia
Website: http://www.amv.com.au
Ph: (61) 3 9870 9904
Fax: (61) 3 9879 6451
--------------------------------------------------------------------------------------
AnswerID: 16159

Reply By: Member - Willem- Wednesday, Mar 26, 2003 at 22:15

Wednesday, Mar 26, 2003 at 22:15
My philosophy is No Insurance. Drive an old 4x4. It goes where all the flash ones go. If I hit someone it's their bad luck. If someone hits me it's my bad luck. Just drive carefully and hope for the best. Admittedly I do not drive it in the Big Smoke. If I roll over in the bush it's my fault anyway. All insurance companies are a pain. I do not support them and I sleep easy.Cheers, Willem
Never a dull moment
AnswerID: 16203

Follow Up By: Chip - Wednesday, Mar 26, 2003 at 23:05

Wednesday, Mar 26, 2003 at 23:05
I'm with you from next month onwards Willem.

I've had enough of this "Fair Weather Friends" Bull bleep !!!Chip
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FollowupID: 9941

Follow Up By: Truckster - Wednesday, Mar 26, 2003 at 23:41

Wednesday, Mar 26, 2003 at 23:41
Chip,

yes and no... Its ok if you have the $$ to fix your car, but if you did $12k damage to your truck, wouldnt you see $500 a yr as cheap?

and If I hit someone it's their bad luck. is a pretty bleep ed attitude...

Specially with a G60! you could drive thru a house and not dint it... If you hit a 100 series, you would treat it like a ally can!
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FollowupID: 9943

Follow Up By: Member - Willem- Thursday, Mar 27, 2003 at 00:06

Thursday, Mar 27, 2003 at 00:06
Yeah well, Things happen.
Some years ago I was turning across the traffic up in the Far North in my open top Suzi Two-stroke. A truck was blocking my view as I inched forward. Saw no traffic and drove across. Got cleaned up by a absolutely brand new Commodore. Totalled the Suzuki and Commodore, lots of blood, ended up in hospital but survived as you may witness. No insurance of course. I got sued for $10,000( a lot of money in 1980). We settled on $4000. I claimed poverty and offered to pay $50 a month. The insurance company accepted. I paid $50...then skipped a month....then paid $10... then skipped 2 months...then received lawyers letters..then paid another $10...then skipped a month......you get the drift. They gave up after a year of me stuffing about. Cost me about $100 all up. OK! Not very ethical but the insurance companies want to have their cake and eat it as well. I do have balance of 3rd Party insurance on the wifes Commodore but my other car and trailers and the Nissan are not insured. Just remember one thing.....CARS ARE ONLY RECYCLED EARTH !!!Cheers, Willem
Never a dull moment
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FollowupID: 9944

Follow Up By: Chip - Thursday, Mar 27, 2003 at 01:54

Thursday, Mar 27, 2003 at 01:54
Just wish I could get insurance for $500 a year. At about a grand a year plus excess I reckon I'm only running the gauntlet for about 2 years after which it's been worth the risk.
I have a 92 Harley Davidson that I have never insured so that's 11 years @ $1500 plus per annum meaning I have now effectively paid nothing for the bike. Makes it kinda hard for the Minister of War to tell me to get rid of it hey !!!
I don't exactly agree with Willem's attitude in the event of an accident but that's his choice/risk.Chip
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FollowupID: 9945

Follow Up By: Member - Willem- Thursday, Mar 27, 2003 at 20:50

Thursday, Mar 27, 2003 at 20:50
Truckster, Please explain your comment on my bleep t attitude. No one has to agree with me on anything. I just go about my own business.Cheers, Willem
Never a dull moment
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FollowupID: 9988

Follow Up By: Truckster - Friday, Mar 28, 2003 at 00:01

Friday, Mar 28, 2003 at 00:01
Willem.. Saying stuff like "If I hit someone it's their bad luck."

So if your in error in an accident, your not paying? Thats how it sounds!
Why should they pay up, or lose their NCB, or insurance if they arent at fault?

To me thats a phukt attitude... thats all..

YMMV.
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FollowupID: 10008

Follow Up By: Member - Willem- Friday, Mar 28, 2003 at 00:16

Friday, Mar 28, 2003 at 00:16
Truckster, Point taken. Either way in the two-way street of life an accident is Bad Luck. Best is to try and avoid them. Drive carefully, keep your eyes open, don't DUI, and don't be too serious.Cheers, Willem
Never a dull moment
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FollowupID: 10012

Follow Up By: Richard - Saturday, Mar 29, 2003 at 22:34

Saturday, Mar 29, 2003 at 22:34
Hey Willem Wanker, Truckster's right. Tell me where you live, I want to throw some bricks through your windows... damn shame that would be, 'I was throwing them into the wheelbarrow and missed' hey bleep e happens! Secondly, why drive carefully... who cares!, wear a welding mask while driving, I don't need to see where I'm going because I don't care, go to the pub and get plastered...I'll blame the mental illness I've got. Hey, sounds to me I'm being too serious?
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FollowupID: 10093

Follow Up By: Member - Willem- Sunday, Mar 30, 2003 at 05:40

Sunday, Mar 30, 2003 at 05:40
Hi Richard and Truckster whoever you may be.
Personal abuse in this forum is not tolerated but every now and then someone comes along and exceeds the limit. If you do not like my ideas or philosophy then that's fine but don't degrade this forum by calling me names. It only shows up a low I.Q.Cheers, Willem
Never a dull moment
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FollowupID: 10100

Follow Up By: Truckster - Monday, Mar 31, 2003 at 10:41

Monday, Mar 31, 2003 at 10:41
Willem,

Im not richard, trust me, you saw my opinion and I posted it and left it at that, quite simple......

Richard sounds mentally unstable with a post like that.... Hopefully David can ban his IP address and save us all a lot of problems.
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FollowupID: 10148

Follow Up By: Richard - Monday, Mar 31, 2003 at 17:53

Monday, Mar 31, 2003 at 17:53
No.1 There's only one person who's mentally unstable here and it aint me! No.2 A little less personal abuse wouldn't go astray. No.3 "DON'T BE TOO SERIOUS"
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FollowupID: 10169

Reply By: colin - Thursday, Mar 27, 2003 at 11:39

Thursday, Mar 27, 2003 at 11:39
I am insured with aami my vehicle has a 2 inch lift and a super charger my premium for brisbane is $458 dollars. I can go on any road that i am leagally allowed to go including 4wd parks as long as i dont compete or race, have to have relevant permits for the tracks i use, also covered when on the beach. The premium does change for the area where the vehicle is stored ie high risk areas, same as house insurance. The age and the amount of drivers nominated to drive also comes into the equation. Tried TCIS they wanted $800- $900, Suncorp wouldnt touch me as i went over their point system with the two modifcations. Col
AnswerID: 16232

Follow Up By: Truckster - Friday, Mar 28, 2003 at 00:03

Friday, Mar 28, 2003 at 00:03
AAMI.

Ive only heard nastys about them.... Thats what puts me off them.

Its fine to be insured with ANY insurance company, but getting the $$ out of them is the trick....
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FollowupID: 10009

Follow Up By: colin - Friday, Mar 28, 2003 at 11:17

Friday, Mar 28, 2003 at 11:17
itruckster i know what you mean but when you get down to the nitty gritty of these nasty stories there is more to them than what one gets told. Col
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FollowupID: 10028

Follow Up By: Truckster - Friday, Mar 28, 2003 at 11:35

Friday, Mar 28, 2003 at 11:35
yea true..

like the old training thing where you have 10 people, tell one person a 1 minute message, then get them to tell it to the next person in the next room, then down the line each person tells the next... Amazing what you get when it gets to the final person! Used to do it in the RFS for training.
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FollowupID: 10030

Follow Up By: colin - Friday, Mar 28, 2003 at 11:55

Friday, Mar 28, 2003 at 11:55
so true LOL.Col
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FollowupID: 10032

Reply By: Member - Melissa - Friday, Mar 28, 2003 at 19:24

Friday, Mar 28, 2003 at 19:24
Just got renewal notice for our GU with SGIO. $358 for full year, agreed value $36K, $100 excess. Standard suspension, only accessories bullbar, towbar, roof rack, cargo barrier. Had only a single claim last year (my fault) but since we're on the top rating we are allowed one claim a year without it affecting no claim bonus or top rating level.

BTW, couldn't be happier with the way the claim was handled...one phone call, claim lodged over the phone, instructed where to take car for inspection. Did this same day. 24 hours later SGIO called back and said claim approved, book it in whenever we're ready. No hassles, no paperwork!

:o) MelissaPetrol 4.5L GU Patrol &
Camprite TL8 offroad camper
AnswerID: 16348

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