Insurance

Submitted: Wednesday, Jul 25, 2007 at 09:55
ThreadID: 48075 Views:2823 Replies:7 FollowUps:16
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I was wondering how people insure items like a Waeco/Engel. Items that you carry on the roof or the rear of your vehicle.

They are not covered by my car insurance, house and contents insurance or caravan insurance.

Any information is greatly received.

Thanks

GeorgieGirl
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Reply By: Fragle_Rock (VIC) - Wednesday, Jul 25, 2007 at 10:35

Wednesday, Jul 25, 2007 at 10:35
I know you can obtain insurance through TCIS for camping equipment only, alternativelively you can pay additional $$ on your contents insurance to cover individual or groups of items anywhere in OZ, however this can be expensive and depending on your insurer the amount that can be claimed per item may be limited.

Good Luck.
AnswerID: 254364

Reply By: Member - Doug T (W.A) - Wednesday, Jul 25, 2007 at 11:26

Wednesday, Jul 25, 2007 at 11:26
GeorgieGirl
Judith.........Hmmm

My insurance has listed things I have in my vehicle, Fridge,CBs, HF, 2 GPS's, Winch, so then those items are covered if stolen
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Follow Up By: GeorgieGirl - Wednesday, Jul 25, 2007 at 11:37

Wednesday, Jul 25, 2007 at 11:37
Could you please tell me who your insurance is with?

GeorgieGirl
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Follow Up By: Member - Doug T (W.A) - Wednesday, Jul 25, 2007 at 12:14

Wednesday, Jul 25, 2007 at 12:14
GeorgieGirl
I'm with Suncorp, and actually they are Pi$$ing me off at the moment because they refuse to do a simple thing lake an address change over the email because it as they say could be a security threat, so the reply came back with my original email containing the policy number and old and new address attached , I only have a Mobile phone and it would cost heaps by the time one presses 1 for this, press 2 for that , press 3 for a consultat....oh were sorry , all our consultants are busy right now and you know how it goes on and on,feel like letting it go
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Follow Up By: Member - Doug T (W.A) - Wednesday, Jul 25, 2007 at 12:15

Wednesday, Jul 25, 2007 at 12:15
GeorgieGirl
you didn't query the name I called you ...?????
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Follow Up By: GeorgieGirl - Wednesday, Jul 25, 2007 at 12:22

Wednesday, Jul 25, 2007 at 12:22
Doug

Not sure what you meant. But if you meant is my name Judith - no, it is Suzanne.

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Follow Up By: Member - Doug T (W.A) - Wednesday, Jul 25, 2007 at 13:06

Wednesday, Jul 25, 2007 at 13:06
GeorgieGirl
I was playing on Names, Judith is for Judith Durham who was lead singer for The Seekers ,one of their famous hits was Georgie Girl,

www.judithdurham.com/

Site Link


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Follow Up By: Member - Davoe (Nullagine) - Wednesday, Jul 25, 2007 at 14:06

Wednesday, Jul 25, 2007 at 14:06
Doug- a smart guy would phone ther 1300 number from a payphone for 50c and all you need do is quote your ins number your name and your b day (sometime inthe 1800s) and make all the changes you want
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Follow Up By: Member - Doug T (W.A) - Wednesday, Jul 25, 2007 at 14:17

Wednesday, Jul 25, 2007 at 14:17
Davoe
I know full well what I could do but they do it my way or loose a customer, I am a customer am I not , I'm not just an object making the email contact , In this day and age we have email , it's fast, it's cheap , and why not make the best of it, anyhow that's my choice, they either come to the party or some other company will get the job.
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Follow Up By: Shaker - Wednesday, Jul 25, 2007 at 22:59

Wednesday, Jul 25, 2007 at 22:59
It's your interests that they are trying to protect.
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Follow Up By: Member - Doug T (W.A) - Thursday, Jul 26, 2007 at 01:19

Thursday, Jul 26, 2007 at 01:19
Shaker
I don't remember asking your advice on such a trivial matter young Man .
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Follow Up By: Shaker - Thursday, Jul 26, 2007 at 18:26

Thursday, Jul 26, 2007 at 18:26
It wasn't advice, it was an observation!
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Follow Up By: Member - Doug T (W.A) - Thursday, Jul 26, 2007 at 18:31

Thursday, Jul 26, 2007 at 18:31
Shaker
Your not fair, not playing the game, why do I have to wait so long before I get a bite from you blokes , bloody coffee's gone cold /
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Reply By: Wizard1 - Wednesday, Jul 25, 2007 at 11:54

Wednesday, Jul 25, 2007 at 11:54
Our caravan insurance covers an amount for contents carried in the van. We are insured with AAMI.
AnswerID: 254377

Follow Up By: bellie - Wednesday, Jul 25, 2007 at 12:01

Wednesday, Jul 25, 2007 at 12:01
Hi GeorgieGirl,

These items are listed on policy as well. NRMA is my provider.

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Follow Up By: Kevern - Thursday, Jul 26, 2007 at 01:00

Thursday, Jul 26, 2007 at 01:00
NRMA told me that they do not cover camping equipment including fridges.
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Reply By: flappa - Wednesday, Jul 25, 2007 at 12:05

Wednesday, Jul 25, 2007 at 12:05
My Contents insurance covers items up to $1000 out of the home. You can pay extra to cover more expensive items.
AnswerID: 254379

Follow Up By: GeorgieGirl - Wednesday, Jul 25, 2007 at 12:18

Wednesday, Jul 25, 2007 at 12:18
Flappa

So does my home and contents. I rang AAMI this morning and it does not cover the waeco or the annex that I might carry in the back of the car or on the roof of the car. Same as RACV for the car it does not cover me for the anything extra that is not a permanent fixture on the car.

It cover things like cameras, ipods, sporting equipment.

GeorgieGirl
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Follow Up By: GeorgieGirl - Wednesday, Jul 25, 2007 at 12:26

Wednesday, Jul 25, 2007 at 12:26
sorry should have added that I also asked if the waeco and annex could be added to the policy and they said NO. They didn't know where I could get cover from so they referred me to the Insurance Omanssons (sorry incorrect spelling).

They didn't have an answer for me either. That why I started this thread.

GeorgieGirl
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FollowupID: 515438

Follow Up By: Member - Patrol Geoff (QLD) - Wednesday, Jul 25, 2007 at 22:43

Wednesday, Jul 25, 2007 at 22:43
GeorgieGirl, I'm also with AAMI (house, contents & car).

In June, I asked them about insuring my camping equipment just before our trip. They said that our contents insurance covered $1,000 outside the house, but that it doesn't cover camping equipment that is "in use".

Their example was that if the tent is packed up on the roof rack and the car crashed, it would be covered. But if the tent was up and was burnt down in a bushfire it wouldn't be covered.

Likewise the fridge, being always "in use", was not covered at any time.

I took my chances. There are others who will insure for camping gear (TCIS I think is the group that my brother-in-law uses).

-geoff
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Reply By: Member - Norm C (QLD) - Wednesday, Jul 25, 2007 at 14:30

Wednesday, Jul 25, 2007 at 14:30
GG, we are with RACQ. Have our fridge and all vehicle mods (radio, bull bar, drawer unit, canopy, dual battery system etc) listed on our policy. Most are covered at no extra cost. Think we had to pay about $20 per year extra to cover the fridge (which cost us about $2,000). Other vehicle contents (like camping gear etc) are not covered on vehicle policy. We have a bit of coverage via our house contents cover, but not much.
AnswerID: 254399

Reply By: Motherhen - Wednesday, Jul 25, 2007 at 18:45

Wednesday, Jul 25, 2007 at 18:45
Hi GeorgieGirl

Our household policy has extended cover to anywhere in Australia on a percentage of value of contents insured. Our broker has assured us this would be adequate cover for our contents of caravan and camper.

Motherhen
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Reply By: Member - Navigator 1 - Wednesday, Jul 25, 2007 at 22:43

Wednesday, Jul 25, 2007 at 22:43
Hi GeorgieGirl, We are with NRMA and all vehicle mods, rooftop tent, Trailblazer fridge etc etc are all listed on the policy. Hope this helps.
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