4x4 insurance
Submitted: Tuesday, May 13, 2008 at 11:01
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colj
I am trying to get a full list of insurers who cover four wheel drives for 100% off road and any modifications as long as it is legal I know of three if any one knows of any please let me no.
thanks Colin
Reply By: Wizard1 - Tuesday, May 13, 2008 at 11:46
Tuesday, May 13, 2008 at 11:46
Hve had my Prado with AAMI for years. They cover 100% of off road use, except competitions.
Mine hasn't been modified that much from factory spec except
snorkel, battery setup, roof rack and front bar which are all covered.
Even shopped around and the TCIS cover was no better or cheaper.
AnswerID:
303555
Follow Up By: colj - Tuesday, May 13, 2008 at 12:20
Tuesday, May 13, 2008 at 12:20
Thanks I will look at what they offer
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569677
Reply By: brett patrol - Tuesday, May 13, 2008 at 12:22
Tuesday, May 13, 2008 at 12:22
Hi Guys,
i use Just Car Insurance and pay $800 a year for full cover on and off road. i am 23 and have a extensively modified GU ute with 35" tyres, 3" exhaust,
suspension lift, winch, canvas canopy. etc, etc.
Agreed value of $40,000.
Very good deal i think.
Cheers
Brett
AnswerID:
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Follow Up By: colj - Tuesday, May 13, 2008 at 12:39
Tuesday, May 13, 2008 at 12:39
Thanks mate for your responce i will
check it out also
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Follow Up By: Member - Troll 81 (QLD) - Tuesday, May 13, 2008 at 14:31
Tuesday, May 13, 2008 at 14:31
Brett,
I am interested to know how you get away with that because I have been wanting to run a bigger lift in my GU and I assume you don't have a 2 inch lift? but I can't get a modification plate for that in QLD so I am assuming you are interstate?
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Follow Up By: brett patrol - Wednesday, May 14, 2008 at 12:27
Wednesday, May 14, 2008 at 12:27
Hi Troll,
I have a 3 inch
suspension lift and am from Vic.
I found that getting a quote from Just Car over the internet was $800 cheaper than when i got a quote over the phone.
I do believe Just Car is meant to be cheaper for younger people but not sure how this works.
To be honest, i am not sure how legal / illegal my patrol is with regards to height, tyres, etc but i nominated everything to the insurance company and everything is in writing so as far as i can see, i am covered in the event of a claim.
Regards
Brett
FollowupID:
569875
Follow Up By: Member - Troll 81 (QLD) - Wednesday, May 14, 2008 at 12:40
Wednesday, May 14, 2008 at 12:40
Brett,
In QLD the legal height is 50mm 2 inch
suspension and 50mm body, last time I checked. You will find that your insurance company will tell you what ever you want to hear but they will always say as long as it's legal we will cover but it's your responsibility to make sure it's legal. A mate of
mine is in the insurance game and he told me even though you list everything halve the time the person on the other end doesn’t know what a lift is a 35 inch rubber or what ever the case might be. In the event of a accident and the assessor sees you have illegal things they won't pay out and in the event of death or other complicated issues you could be liable and up $#@ creek. I know the law is different in NSW and people in QLD will register their trucks down there to get around the system.
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