Another 4WD insurance Question
Submitted: Thursday, Mar 13, 2008 at 16:52
ThreadID:
55507
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4987
Replies:
10
FollowUps:
10
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Johnny boy
Hi all , I know this has been asked about a million times but I will ask again I want to know who is cheap and trustworthy as I have had no joy with the big names EG. NRMA, GIO, AAMI, ALLIANCE and Shannons Im not about to bag any of them out Im just saying that they could not help me so is there anyone else out there and do I have to join a 4B club to benifit ? I have a 98 mod 100 ser L/C Diesle with an after market safari turbo ,2'' susp lift B/B spotties , snorkle, draws ,cargo barrier , duel batts ,gauges, centre consol with UHF , rear bar /wheel carrier,tow bar and I think thats about it so if anyone can give me the heads up I would love to hear from you .
Cheers J.B.
Reply By: Kev & Darkie - Thursday, Mar 13, 2008 at 16:54
Thursday, Mar 13, 2008 at 16:54
J.B
I got Darkie insured through Suncorp as I am still waiting for TCIS to get back to me over 4 months after my enquiry.
Cheers Kev
| Russell Coight:
He was presented with a difficult decision: push on into the stretching deserts, or return home to his wife.Lifetime Member My Profile My Blog Send Message |
AnswerID:
292517
Follow Up By: Johnny boy - Thursday, Mar 13, 2008 at 17:01
Thursday, Mar 13, 2008 at 17:01
Hi Kev , thanx for the fast reply I will call suncorp and hear them out so do you know what they are like when it comes to claims ?
and who is TCIS ? thanx again mate .
Regards J.B.
FollowupID:
557945
Follow Up By: Kev & Darkie - Thursday, Mar 13, 2008 at 17:15
Thursday, Mar 13, 2008 at 17:15
JB,
I have claimed on previous vehicles with Suncorp and they were pretty good.
Due to Darkies mods I have a non negotiable excess of $1500 but do have an agreed value.
I am covered on all tracks etc in Aust if legally allowed to be there.
Cheers Kev
| Russell Coight:
He was presented with a difficult decision: push on into the stretching deserts, or return home to his wife.Lifetime Member My Profile My Blog Send Message |
FollowupID:
557947
Reply By: Matt(WA) - Thursday, Mar 13, 2008 at 17:05
Thursday, Mar 13, 2008 at 17:05
J.B.
I tried TCIS and am still waiting to hear back from them also(same as kev). I brought my car in September :). I am fully insured with Western QBE with all my accessories listed and agreed value. I was able to get about $7k more than what they wanted to insure me for. All I had to do was supply them with lists and prices of everything over the phone. Could have taken the agreed value higher but needed to get the car assessed, and didnt have that much time. Hope this helps. By the way I have most of the accessories you have stated and as long as you have a 2" or less lift you should be good.
Cheers Matt
1HZ
Safari Turbo kit and Intercooler
3" mandrel bent exhaust system
Duel Battries
Chargmaster solenoide with in cab voltage moniter
Winch Bar
Warn Tabor 9000lb winch
Twin Rear wheel carrier
Extendable
Camp Light Pole out back
ATS Custom
rock sliders with built in air tanks(both sides)
6 x Cooper S/T 285 75 16's on Black steelies
Outback accessories Roller draws, with bed extension and fridge slide
ARB Airlockers Front and Rear
ARB air compressor
Max Air compressor(for slider air tanks)
Safari
Snorkel
H/D Tow hitch
Gme 3200 uhf
Custom Alarm system
Sony Mp3 head unit, Amp, 6x9's in custom front door pods
Custom Center Console from Outback 4WD Interior Accessories
Bogart turbo timer
Stratos XLLTSS
Suspension seats x2 with air lumbar support
TJM Roofrack
TJM 170 litre auxiliary fuel tank
TJM Series 2000 coil springs and XGS shock absorbers
Polyair airbag
suspension
Upgraded Hella Headlights
AnswerID:
292520
Follow Up By: mike w (WA) - Thursday, Mar 13, 2008 at 21:50
Thursday, Mar 13, 2008 at 21:50
Matt,
TCIS are a little slack on the followup, however IMO it pays to follow up. Great level of cover, fantastic price and the ability to insure camping gear (tents, fridge, swags etc etc), even when set up and unattended.
HBF asked me why I was changing, I told the feloow on the phone what TCIS could arrange and if they could come close to matching it (especially the camping gear cover), I would stick with them. Needless to say, they could not.
Mike
FollowupID:
558033
Follow Up By: Kev & Darkie - Friday, Mar 14, 2008 at 08:55
Friday, Mar 14, 2008 at 08:55
Mike,
How many times do you need to follow them up??
I tried about 10 times over about 4 weeks and enough is enough.
Cheers Kev
| Russell Coight:
He was presented with a difficult decision: push on into the stretching deserts, or return home to his wife.Lifetime Member My Profile My Blog Send Message |
FollowupID:
558092
Follow Up By: mike w (WA) - Friday, Mar 14, 2008 at 09:18
Friday, Mar 14, 2008 at 09:18
That seems pretty excessive. I only had to follow them up a couple of times. Perhaps it has something to do with the office. I dealt with SA office, Girl by the name of ?Cassandra. No problems at all.
Mike
FollowupID:
558108
Reply By: Member - kevin Y (SA) - Thursday, Mar 13, 2008 at 17:11
Thursday, Mar 13, 2008 at 17:11
if your over 55 try pensioners insurance got everything i own with them made a claim on an aircon once ---10 year old got told to go and buy new one and they would reimburse me --no trouble.
a beer botle was thrown through rear window in my coaster rv once again no problem.
AnswerID:
292522
Follow Up By: Member - Coyote (QLD) - Thursday, Mar 13, 2008 at 17:17
Thursday, Mar 13, 2008 at 17:17
Next time get out of the caravan or open the window before throwing beer bottle through....
FollowupID:
557949
Reply By: Stephen M (NSW) - Thursday, Mar 13, 2008 at 20:47
Thursday, Mar 13, 2008 at 20:47
Hi JB, was just wondering what issues you had with NRMA. I had the hilux insured with them, 2 inch lift, bigger tyres, bullbar, rear steel step bar, lights,
snorkel, uhf etc all covered with them no issues. Only thing they wouldnt cover was the fridge. Did they muck you about with a claim or some thing ??? Only reason I ask I have the prado with them ??? Regards Steve M
AnswerID:
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Follow Up By: Stephen M (NSW) - Thursday, Mar 13, 2008 at 20:48
Thursday, Mar 13, 2008 at 20:48
Forgot to mention Suncorp is owned by GIO. Regards Steve M
FollowupID:
558001
Follow Up By: Member - Ed. C. (QLD) - Friday, Mar 14, 2008 at 00:11
Friday, Mar 14, 2008 at 00:11
Ahem.....
Ummm, actually, it's the other way 'round....
GIO is owned by Suncorp | Confucius say.....
"He who lie underneath automobile with tool in hand,
....Not necessarily mechanic!!"Member My Profile Send Message |
FollowupID:
558063
Follow Up By: Stephen M (NSW) - Friday, Mar 14, 2008 at 08:51
Friday, Mar 14, 2008 at 08:51
Hi there ED, I new it was some thing like that. There is another mob also accociated with them as
well can't remeber who, will try and find out today. Mate works in the insurance industry. Regards steve M
FollowupID:
558091
Follow Up By: Member - Ed. C. (QLD) - Friday, Mar 14, 2008 at 15:10
Friday, Mar 14, 2008 at 15:10
About a year ago, Suncorp aquired the Promina Group (officially a "merger", but Suncorp see it as an aquisition;-)), whose brands include AAMI, Apia, and Shannons...
They (Suncorp) also have joint venture interests in RACQ and RAA (SA), and 100% interest in RACT, so you might say that they control a lot of our insurance dollars............
| Confucius say.....
"He who lie underneath automobile with tool in hand,
....Not necessarily mechanic!!"Member My Profile Send Message |
FollowupID:
558182
Reply By: warfer69 - Thursday, Mar 13, 2008 at 22:21
Thursday, Mar 13, 2008 at 22:21
I am covered by:
DGA Insurance
Apparently you can insure also through a local ARB office (lumley)
Cheers
AnswerID:
292577
Reply By: John S (NSW) - Thursday, Mar 13, 2008 at 22:33
Thursday, Mar 13, 2008 at 22:33
Just updated vehicle details with NRMA (now the crusier is NSW rego'd), and had no problems. Made then note down the engineers certificate number for the GVM upgrade - not that they wanted it. They only said that the vehicle had to be roadworthy. the CTP would increase due to the GVM, but nothing changed with the comprehensive insurance, either $$ or conditions.
Plus I have full cover anywhere in Oz. Only issue was insured value - it wont cover replacement cost, but it is more than what we paid for the crusier. So all in all I have no issues.
Don't know if it helped having all 7 vehicles insured with them :-)
AnswerID:
292581
Reply By: Tony MD - Thursday, Mar 13, 2008 at 23:00
Thursday, Mar 13, 2008 at 23:00
Check out
Affinity link thru 4WD victoria
My 1997 80 series insured for an agreed value of $35K plus camping gear. I had a claim last year no problems. Back door, tailgate & rear bar = $7.5K
Discounts available for club members, reversing cameras, alarms & etc.
Cheapest may not necessarily give you adequate cover.
Cheers, Tony.
AnswerID:
292584
Reply By: bigmal - Friday, Mar 14, 2008 at 12:54
Friday, Mar 14, 2008 at 12:54
Trty OAMPS insurance brokers. They go through Lumley (they used to use VERO). They are definetly on the ball. Full 4wd cover with accessories. Top service and reasonably price.
AnswerID:
292661
Reply By: patrolmann - Friday, Mar 14, 2008 at 15:14
Friday, Mar 14, 2008 at 15:14
Hi i have
mine insured with CGU, via Ian Berry insurance brokers.
Cd, uhf, roof rack, bullbar, wide wheels etc is covered.
All my camping gear is covered under my blue ribbon
home contents insurance including the 80lt waece fridge, as long as it is removed from the car at least once every three months.
cheers
patrolman
AnswerID:
292669
Reply By: The Landy - Wednesday, Mar 19, 2008 at 08:48
Wednesday, Mar 19, 2008 at 08:48
Hi JB
What problems are you experiencing? Often people have 'probelms' when they start requesting insurance companies to start redefining their policies, in terms of where you can go etc etc....something they won't usually do and something you don't need them to do in any case. If its is only modifications, they will normally have no problem providing they are within design paramenters.
I had a heavily modified (brand new) Defender previously insured with NRMA and had no problem at all.
The current 'Landy' has specialised insurance cover aranged through TCIS and this was only because I couldn't get the value recognised through NRMA, who mind you were very helpful and willing to insure the Landy
well beyond its 'normal' valuation.
I had the current Landy valued by an auction house and whilst the valuation still falls short of the replacement value it is suitable cover for me. TCIS were very helpful in arranging this, but a little patience is required.
Regards
AnswerID:
293538