OFFROAD INSURANCE
Submitted: Sunday, Aug 03, 2008 at 23:00
ThreadID:
60459
Views:
2279
Replies:
3
FollowUps:
13
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Member - Mark G (NSW)
gday all
insurance time of year again & just wondering who & what type of coverage is out there to cover offroad?
anyone have any sugestions ?
Reply By: Member - Warfer (VIC) - Sunday, Aug 03, 2008 at 23:36
Sunday, Aug 03, 2008 at 23:36
Hiya Mark
DGA
Cheers
AnswerID:
318895
Follow Up By: Twinkles - Monday, Aug 04, 2008 at 06:47
Monday, Aug 04, 2008 at 06:47
I looked at the site. Full cover anywhere in Australia. Does that mean they will retrieve your car from anywhere?
FollowupID:
585393
Follow Up By: Member - Mark G (NSW) - Monday, Aug 04, 2008 at 10:49
Monday, Aug 04, 2008 at 10:49
THANKS WARFER, waiting on quote from them,cheers.
FollowupID:
585413
Follow Up By: Member - Warfer (VIC) - Monday, Aug 04, 2008 at 11:56
Monday, Aug 04, 2008 at 11:56
Hiya guys
No worries Mark and Twinkles,you'll hav to giv em a call,I would not like to imagine that they would'nt....
Cheers
FollowupID:
585423
Follow Up By: Member - Mark G (NSW) - Monday, Aug 04, 2008 at 12:08
Monday, Aug 04, 2008 at 12:08
no worries, i'll advise on the outcome,cheers.
FollowupID:
585426
Follow Up By: Member - lyndon K (SA) - Monday, Aug 04, 2008 at 13:43
Monday, Aug 04, 2008 at 13:43
I use DGA as
well, under writer is CGU.
My excess is $250
Covered everywhere in OZ.
Mod's ok.
I have agreed value for 65k and premium was aprox $800.
Have had to make a couple of claims over the years and had no hassle.
Cheers Lyndon
FollowupID:
585450
Follow Up By: Member - Mark G (NSW) - Monday, Aug 04, 2008 at 13:47
Monday, Aug 04, 2008 at 13:47
thanks Lyndon ,cheers.
FollowupID:
585451
Reply By: Member - Davoe (Yalgoo) - Monday, Aug 04, 2008 at 12:02
Monday, Aug 04, 2008 at 12:02
I posted this on another
forum about insurance.
this is rom the product disclosre of RAC insurance. i waas verbally told my 4by is covered anywhere in australia regardless of any road /track it may/may not be on.
at the end of the day the product disclosre will tell you all you need to know about your insurance
Been some discussion about where a 4by is covered. at the end of the day what someone on the phone or over the counter tells you is worth jack.
so here is in writing where your 4wd may not be covered as stated in the RAC product disclosure
- While your vehicle is being used in or in prep for a comp (abbreviated)
- When your vehicle is loaded contrary to the law
- If your vehicle is unroadwiorthy with a mod that you know of (abbreviated)
- Occurs outside australia
- mods thathat they havnt agreed to (abbreviated)
- While it is being driven in a manor which resulted in exposiure to exeptional danger or any will full reckless act (un abbreviated and very important)
- while the vehicle is being used for unlawfull purposes (also unabreviated and possible important if you are in an area it is illegal to be in)
no mention of roads tracks beaches etc
and these things work by if it isnt included then its excluded
AnswerID:
318952
Follow Up By: Member - Mark G (NSW) - Monday, Aug 04, 2008 at 12:14
Monday, Aug 04, 2008 at 12:14
thanks Davoe, awaiting their email reply.
FollowupID:
585427
Follow Up By: Member - Kiwi Kia - Monday, Aug 04, 2008 at 13:07
Monday, Aug 04, 2008 at 13:07
I am with DGA. Policy reads ok but as I have not had a claim I can't vouch for how they treat anyone who has had a claim.
Also note the usual exclusions that may apply if you make a claim;
Was the driver under the age of 25
Was the driver impaired with alcohol or drugs
Did the driver have your permission to drive the vehicle
FollowupID:
585438
Follow Up By: Member - Warfer (VIC) - Monday, Aug 04, 2008 at 13:30
Monday, Aug 04, 2008 at 13:30
Hiya Kiwi
I hav read in the past people hav made claims with this company and no issues !
Cheers
FollowupID:
585446
Follow Up By: Member - Mark G (NSW) - Monday, Aug 04, 2008 at 13:54
Monday, Aug 04, 2008 at 13:54
sounds like this ....DGA is the one, but lets just wait for DIO (aka he who has all the common sense answers) to enlighten us :-0
FollowupID:
585454
Follow Up By: Member - Kiwi Kia - Monday, Aug 04, 2008 at 14:53
Monday, Aug 04, 2008 at 14:53
Thanks Warfer, I found them very easy to deal with from a fair way away :-)) everything done by email.
FollowupID:
585472
Follow Up By: The Landy - Monday, Aug 04, 2008 at 18:08
Monday, Aug 04, 2008 at 18:08
The insurance question often comes up in the
forum and as Davoe said insurance companies need to disclose all in their Product Disclosure Statement.
They key thing about Comprehensive Insurance is that if it isn’t excluded than it is included. The onus is on them to tell you what they won't cover.
FollowupID:
585488
Reply By: Steve - Monday, Aug 04, 2008 at 18:42
Monday, Aug 04, 2008 at 18:42
I'm sure if they can wriggle out of a payout they will - but they're on a winner anyway as most 4x4 insurance policies are taken out by owners who use them as the school bus and are in little danger of being irretrievably bogged or damaged. This probably explains, to a degree, why they appear fairly relaxed about the issue.
AnswerID:
319005