beware-Insurance risk on 4x4s

Submitted: Sunday, Feb 24, 2008 at 15:54
ThreadID: 54876 Views:2087 Replies:6 FollowUps:10
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I contacted Alliance for a quote. They asked if the width of the rubber on the road was wider than 8 inches. Standard tyres measure 8.75 inches.
They will not insure the vehicle if this is the case. There was no negotiation. Flat out NO. There is hardly a car on the road with tyres less that 8 inches of width on the road.
Suncorp said they don't care about the rubber as long as its legal.
Might be worth checking your insurance company, especially if you are insured with Alliance????
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Reply By: Robin Miller - Sunday, Feb 24, 2008 at 16:14

Sunday, Feb 24, 2008 at 16:14
Hi Dusty Nissan

I'd go back and check that as it is wrong.

Also your post doesn't read correct - it says that they won't insure cars that are standard because their tyres are 8.75 inches not 8.

Maybe you meant 9 inches.
Robin Miller

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AnswerID: 289124

Follow Up By: lynxxy - Sunday, Feb 24, 2008 at 16:20

Sunday, Feb 24, 2008 at 16:20
Ill be speaking with the rep from alliance tomorrow and I will get that checked out.

doesnt sound right...I think you might have a got one of those overconfident teenage grads that think they know everything...
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Follow Up By: dustynissan - Sunday, Feb 24, 2008 at 16:27

Sunday, Feb 24, 2008 at 16:27
I was told that if the rubber was greater than 8 inches they would not insure the vehicle at all. I objected and insisted they they refer the matter to a manager.
The person I spoke to went to speak with a manager and was told "YOu know the rules" the answer is NO it is not negotiable.

I took out my insurance elsewhere.
At the time of speaking with them I was offering them house and contents insurance, and insurance on 3 motorvehicles , 2 boats and a van. So they knocked back a fair customer,

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FollowupID: 554461

Reply By: Member - Adam S (SA) - Sunday, Feb 24, 2008 at 16:19

Sunday, Feb 24, 2008 at 16:19
G'day,
dustynissan all I can say is beware of Alliance.

AnswerID: 289126

Follow Up By: Member - Doug G (SA) - Sunday, Feb 24, 2008 at 17:31

Sunday, Feb 24, 2008 at 17:31
I'm with Adam - had a very bad experience with this company.

Doug
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FollowupID: 554463

Follow Up By: Member - shane (SA) - Sunday, Feb 24, 2008 at 22:08

Sunday, Feb 24, 2008 at 22:08
i have had two claims with them and had no problems. what problems did you have?
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FollowupID: 554524

Reply By: Fragle_Rock (VIC) - Sunday, Feb 24, 2008 at 19:20

Sunday, Feb 24, 2008 at 19:20
I think you will find that is is the rim size ther are concerned about. Providing the tyre size is within manufactureres specs it shouldn't be an issue.
AnswerID: 289159

Follow Up By: dustynissan - Monday, Feb 25, 2008 at 00:46

Monday, Feb 25, 2008 at 00:46
That was exactly my argument with them. They made me go and measure the rubber. I have standard rubber on our car. They were quite aware of the fact that the rubber was too wide.
Its a way out if you have an accident , I think.
They did not want to know about the rim size at all.
It seems quite sus to me....
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FollowupID: 554546

Follow Up By: Mike Harding - Monday, Feb 25, 2008 at 17:49

Monday, Feb 25, 2008 at 17:49
_You_ cannot measure the width of your tyres.

(I'm assuming you're not a NATA certified calibration laboratory? :) - seriously!

Had you measured 7.9999" inches they would have insured it? Your plastic ruler has no standing in a court of law. To ask the consumer to measure his tyres is plain silly.

Mike Harding

PS. I thought we worked in the metric system in Oz?
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Follow Up By: Mike Harding - Monday, Feb 25, 2008 at 17:50

Monday, Feb 25, 2008 at 17:50
The perils of measurement :)

That should read:

>_You_ cannot _accurately_ measure the width of your tyres.
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FollowupID: 554610

Reply By: Member - Roachie (SA) - Monday, Feb 25, 2008 at 11:19

Monday, Feb 25, 2008 at 11:19
Join a club and get onto TCIS Insurance Brokers. They'll get you insurance with a company that will cover you even if you do something stupid like bury the car on a beach and end up with it being submerged in salt water etc. As long as what you were doing wasn't illegal (eg: street racing etc).

I listed all my accessories including the important ones like 4" lift and 35" tyres etc and they accepted it no worries. Premium is about $850- p/a for $40K cover.
AnswerID: 289280

Follow Up By: Kev & Darkie - Monday, Feb 25, 2008 at 17:40

Monday, Feb 25, 2008 at 17:40
What was the excess for a young bloke like you?? :))
Russell Coight:
He was presented with a difficult decision: push on into the stretching deserts, or return home to his wife.

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FollowupID: 554607

Reply By: jeepthing - Monday, Feb 25, 2008 at 17:33

Monday, Feb 25, 2008 at 17:33
dustynissan,
I was interested in what you are saying here and found it to be quite intriging that the width of a tyre would have such a bearing on whether an insurance company would refuse to take out a policy where the tyres are standard equipment on a vehicle!!
I take it you are talking about Australian Alliance Insurance? I've done a bit of research int this company and it seems that they take out contracts of insurance on behalf of APIA (Australian Pensioners Insurance Agency), Shannons and Insure My Ride.
Anyway I completed a dummy application on line and I was not asked any questions about tyre size.
If I was you I would contact www.insuranceombudsman.com.au

AnswerID: 289325

Follow Up By: dustynissan - Monday, Feb 25, 2008 at 17:46

Monday, Feb 25, 2008 at 17:46
Hi, thanks for th interest.
I didn't apply online, I made a phonecall and talked to the phone rep.
It seems so strange to me too.
But it makes me extremely cautious of taking a policy with them.
I'm not too worried, I have insured elsewhere.
They were adamant that the rubber was not to be wider than 8 inches. AND on top of that the let me walk away without taking out the insurance on all the other items I was offering them.

It just doesn't make sense to me, but they definitely said they would not insure a vehicle if the rubber was over 8". That is not just 4WD's either.

They kept insisting that I read the product disclosure statement.
maybe there is something in there. I don't know????

Happy travels
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Follow Up By: jeepthing - Monday, Feb 25, 2008 at 18:14

Monday, Feb 25, 2008 at 18:14
The Product Disclosure Statement is in fact the policy and there is nothing in there about tyres. The only section that could apply is in the Modifications section but it would only come into play if the tyres are not standard size in accordance with the vehicles specifications. You say the tyres were standard equipment so I can't see why that insurance company could legitimately say what they did.
This would be a problem for all those people who fit oversize tyres and have not made that disclosure on their insurance policy which COULD void their insurance!!!
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FollowupID: 554615

Reply By: Member - Jeff R (SA) - Monday, Feb 25, 2008 at 21:01

Monday, Feb 25, 2008 at 21:01
I am insured with Allianz and just checked my product disclosure statement. There is nothing in there about tyre size.
Only illegal modifications. My vehicle is standard with wider tyres than 8 inches and I can't see any problem.
AnswerID: 289370

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