Insuring customised 4wd

When I was with them they asked if I was a member and I said no and they still sorted me out

Check out my list of accessories and modifications.......

and they insured my rig....... for an agreed value...... on-road or off-road (meaning OFF road)......

I recently had to make a claim on my policy for a cracked chassis and it was approved by the assessor without question.

Here's the list...............

6.5 litre V8 diesel
Body cut-down to make into dual cab with large, lockable storage box
Nissan Winch Bull Bar
Warn XD9000 winch with plasma rope and safety hook
ARB Front Air Locker
XenonOz HID replacement headlight inserts
2 x Lightforce 240 XGT, converted to 55w 6000k HID
4 x Lightforce 170 roof-mounted at rear of cab
10.4" Roof-mounted DVD player with 3 x cordless headphones
Home-made timber lid for centre console, 75mm high with drawer
Front seats raised 40mm
Helton Shower
4 Wheel Drive Systems fuel tanks: Main= 176 litres: Sub = 81 litres
Dual spare wheels
Grande Boss air compressor + Maxair compressor
16lt air receiver tank (Bunnings special)
Grande Vitesse air horns
Poron reverse camera set-up (screen replaced internal mirror) + 2nd camera on camper trailer
Triple Batteries: 2x N70ZZ Supercharge Gold 760 CCA for starting +
Fullriver AGM 120amp hour with Arrid Twin Charger
Barrett 550 HF & Auto Tune Antenna
ARB (Engel) 40 lt fridge (stays on 24/7)
UHF Radio (GME TX3200)
6 x Mickey Thomson MTZ 315/75R16 (plus 2 on camper trailer)
Double CAV fuel filters
Morison & Morison Debug system
2 x Rear spot lights (reversing and camp set-up etc)
2 x Side spot lights
Factory tow bar
Dobinson's springs & shockers (sits 4" higher) & steering damper
Noble's bump-stop blocks in the rear
3rds Productions adjustable Panhard rods, castor plates and extended brake hoses.
3rds Productions adjustable drag link
Modified upper trailing arm (to clear sub tank on full droop)
Aftermarket lower control arms: heavy duty and 16mm longer than stock
AVM manual hubs
3" exhaust
Safari Snorkel
2 litre Fire extinguisher
6 tonne hydaulic bottle jack plus 5 tonne hydraulic jack
Aluminium chequer-plate jacking plate...doubles as driver's floor "mat".
First Aid kit
Bonnet scoop (non standard)
Sunraysia 16" wheels all round
Custom made Brass Radiator
350w Inverter
VDO Coolant temp gauge
VDO Oil temp gauge (actually measures block temperature)
Autron "A" pillar pod for the 2 gauges
Air pressure gauge
Low oil pressure warning buzzer
"Door-open" warning buzzer on 2 cargo box doors
Engine Saver Low Water Alarm; sender in-line in top radiator hose
Prodigy Brake controller
Extra 12v sockets under bonnet, in dash, in cargo area etc.
Ipod with FM tranmitter set-up
AP-60 Cruise Control
Garmin Nuvi 660 GPS, with T4A and ShonkeyMaps
TwoZone thermometer for fridge and ambient
Extra glove box (in void where passenger's air bag would normally be)

Wow Roachie, that is some list! I won't show son in case he finds something else to add. He had change from his Ute due to baby coming soon.

Mh

HI Roachie ,
Funny this has come up today as I was pricing insurance this morning and can't seem to find anyone to insure the new mods on the car. Now like you with the chevy 6.5lt, and new spray paint plus extras we want to increase our insurance. Putting it over the pits with RAC in 2 weeks but pretty sure they won't come up to the value I want.
Phoned Shannon's today also and they didn't want to know about it over $35,000. Ours is a 2000 troopy and they said the car wasn't old enough to have a greater value on. Will follow up on TCIS insurance brokers tomorrow.
Cheers Red Tail Black

you got all that...... in how many cars?

I should also add that the "agreed value" would not be sufficient to totally replace what I have here. I totally understand that I bought a relative bargain in 2006. For example, I had looked into having my then GU wagon converted into the same set-up I now have (which I bought off ebay for $38K in 2006). A Chevy conversion was going to be about $24K and the dual cab conversion about $12K and then the large box on the back would cost about $10K.

So, in my mind, the real "replacement" cost for my current rig would be about $86K....based on the following:

Buy a 2000 model Patrol (with blown motor perhaps) : $20K
Chev conversion $24K
Dual cab conversion $12K
Cargo box $10K
Suspension, transfer case crawler gears, air locker, fridge, compressors, reverse camera plus all the other stuff listed: about $20K.

The "agreed value" I have with the insurance company is only about half of that amount, so I am realistic in my acceptance of that figure. There is no way I would get more than about $40K for it..... (hell.....if I tried to sell it I probably wouldn't be able to get $20K for it; who knows?)......

Roachie, what is the part # of your Dobinson's springs I have just got a 3 inch set for the cruiser even though they said they don't do a 3 inch only 2 or 4.
Cheers
Dave

Dave,

I got my suspension from www.bigo4x4.com.au

but I can't recall what the part numbers were. I do know that I had to get 6" rear coils just to cope with the weight on the rear end and to get me an overall 4" lift.

Thanks Graeme - looks like a good place to start.

Mh

I have moved to them a couple of months ago and found them the best and cheapest and the fact that they are underwritten by CGU can only be a good thing

I use DGA too, have done for about 8 years. Had a few claims and no problems.
I have agreed value on my Troopy for 65k, cost aprox $1050

Thanks Ian - but are they horribly expensive?

Mh

Hi Bevan

The insurers are working for themselves not for you, and will look for any excuse to deny a claim. Even getting a straight forward claim through can sometimes take a bit of a fight. If it is not legal and not in line with licence, they have a wonderful excuse to deny the claim. You could also no doubt be fined by the authorities in your state as well.

They will also deny if the driver was unlicensed or over the legal alcohol limit, unless it is a documented car theft (eg not one of your kids going for a spin and letting one of his mates drive).

I have even heard of an insurer denying a claim because the owner hadn't let them know he's got a speeding ticket since his last disclosure. Read the duty of disclosure on your policy well - if you can get through the gobbledygook.

Motherhen