Insurance

Submitted: Tuesday, Aug 05, 2003 at 19:16
ThreadID: 6380 Views:2223 Replies:8 FollowUps:9
This Thread has been Archived
I noticed a couple of discussions in here regarding insurance and this is
my experience. Recently I decided to go through an exercise of comparing my
insurance with that available through TCIS following a visit to the broker’s
web-site. In particular, I was pleased to see the comment that we cover
you in the Simpson Desert; we cover you in Cape York. Comforting stuff to
see it in plain English, albeit not necessarily in a policy document.

I am currently with NRMA, had no claims and enjoy a maximum no claim bonus.
The insurer has a full and complete record of all accessories and
modifications fitted to the vehicle. This list should not leave any
underwriter in doubt that the vehicle is used precisely for the purpose it
has been designed for, off-road travel.

Having a healthy scepticism for insurers I quizzed NRMA as to precisely
what I am covered for. The answer was simple. I am covered for all use,
anywhere, providing I am not engaging in a race or time trial. When I used
an example of travel in the Simpson Desert or to Cape York they said yes?
You are covered anywhere.

Whilst I have not had the misfortune to make a claim to test this out I am
comfortable any potential claims will be met providing I take all
reasonable precautions.

In contrast, TCIS have provided quotes well in excess of what I currently
pay (15/20% more) and it isn't clear to me what I get for that extra
premium. Nor could it be explained. I suspect that the underwriters are
potentially the mainstream insurers that many of us use every day in any
case.

Am I missing something here? Is TCIS a viable alternative and why?

Landie
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Reply By: diamond (bendigo) - Tuesday, Aug 05, 2003 at 20:05

Tuesday, Aug 05, 2003 at 20:05
gday landie.
you bet me to it i was just about to put a post up on insurance.
our renewal came in today for the patrol allianze $360.
we recently changed from westpac for our home and contents to cga.
westpac$600 gca $300. so i thought i would give cga a call about car insurance.
i phoned up and went throu the usuall make/model/year ect and got quoted $240
i said that sounds ok i just have a couple of questions.
where am i insured and where arnt i insured.
young lady asked what sort of things do we use the car for and what do i mean when i go off road.
i said 90% on road with the occasional day trip of road.
she said that they had just recieved an email a couple of days before saying tcis where underwriten bye someone else now and to be carefull with who they insure.
i asked her about being covered of road on things like fire tracks ect and she said she will have to speak to the underwriter.
anyway after a few more questions which she had to keep asking the underwriter i said it might be easier if i spoke with them direct.
when i got the underwriter on the phone he was very help full.
i am insured anywhere im legally allowed to be except racing ect.
tag along tours ok and they will even insure the winch(allianze wouldnt insure it.
so if i had an accident they would repair bull bar but not winch.
i sussed the guy out about the bit about tcis and being carefull who they insure and was told that they have to ask what type of driving people do so they can pick and choose who they insure eg weekend drives ok but simpson desert crossings ect they wont cover he said it can be to expensive eg run into a camel ect and cause $10000 damage and will cost them say $5000 to get car recovered so in case of that they would right the car off therfor to much money.
he said there is nowhere in the policy that states conditions where they wont insure you like simpson ect so thats why they ask/pick and choose.
so i asked about the fact that i dont plan on going to the simpson will you insure me and he said yes.but what if out of the blue i decide to go there on hollidays he said we would still be covered.
also another important thing i found out say you put a 10"lift 35" tyres all the mods you can think of and you were involved in an accident even if the car is tottaly unroadworthy if you can prove that none of the mods caused the accident they cant nock back a claim.
AnswerID: 26865

Follow Up By: landie - Wednesday, Aug 06, 2003 at 06:38

Wednesday, Aug 06, 2003 at 06:38
Thanks - clearly it is a very topical subject.
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FollowupID: 18436

Follow Up By: Member - Toonfish - Wednesday, Aug 06, 2003 at 23:35

Wednesday, Aug 06, 2003 at 23:35
I think what he meant by he won't insure your winch is because he knows that i need it more .
c'mon i will give it a good home easy like .
lol wink wink1999 NISSAN NAVARA DUALCAB
DIESEL 3.2 & SPRINGY CARLTON TOY
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FollowupID: 18525

Reply By: Truckster (Vic) - Tuesday, Aug 05, 2003 at 20:32

Tuesday, Aug 05, 2003 at 20:32
Every insurance co will get out of it if they can, non specialized 4wd ones seem to try a little harder to get out of paying.

Theres cheap insurance and cheap insurance.. Personally I dont mind paying a few more $ if I know I AM covered everywhere...

Search for the thread by GaryinOz.. His questions took days to get a straight answer.

Call again tomorrow and see, I bet you get different answers if you get a different person on the phone.. THATS the problem. They all tell you something different.

YMMV
AnswerID: 26868

Follow Up By: landie - Tuesday, Aug 05, 2003 at 21:36

Tuesday, Aug 05, 2003 at 21:36
Thanks for your comment. I'm interested to know what I in fact get by paying more money by going through TCIS. It isn't clear from the discussions I have had with them and when compared to my current cover.

Interestingly I did call NRMA on more than one occassion and got someone different, but with the same response. Not singing their praise mind you, but it seemed to be simple to them - they make no distinction as to whether you are on or offroad, apart from the usual disclaimers of racing etc.

That is why I am interested to know what it is that TCIS can offer that differentiates itself from other insurers?
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FollowupID: 18415

Follow Up By: Truckster (Vic) - Tuesday, Aug 05, 2003 at 22:51

Tuesday, Aug 05, 2003 at 22:51
Call TCIS and ask them!

Our insurance agent in the club (Holland Brokers in Vic) said be cautious of main stream insurance companies.

With the way TCIS are going though, I think I'll be lookin elsewhere.
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FollowupID: 18423

Follow Up By: landie - Wednesday, Aug 06, 2003 at 06:36

Wednesday, Aug 06, 2003 at 06:36
Thanks - I did, but the person I spoke to could not tell me. That is what prompted me to ask the question here.
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Reply By: Rowie - Wednesday, Aug 06, 2003 at 03:33

Wednesday, Aug 06, 2003 at 03:33
As I said in my reply to the last post re 4WD
Insurance. Give Mr. Kim Harrold a call @ ELDERS Insurance in Sth Brisbane. You'll get all your questions answered unambiguously and they insure vehicles based in any State / Territory.

Tell Kim Rowie referred you.

If your insurance company is giving you the run around and you are fed up with taking advice from call centre operators who dumber than you are, take your business elsewhere.
AnswerID: 26906

Follow Up By: landie - Wednesday, Aug 06, 2003 at 06:37

Wednesday, Aug 06, 2003 at 06:37
Thanks
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FollowupID: 18435

Reply By: Member - Raymond - Wednesday, Aug 06, 2003 at 08:14

Wednesday, Aug 06, 2003 at 08:14
Hi Landie
I am insured with TCIS.
The cost was slightly dearer, but the cover was for more and they also cover all the accessories which were over $10,000, with HF radios Satalite navigation etc with no problems.
I went through several brokers (two I know personally and owe me favours) and they could not come up with the same cover for any less.
Insurance companies knocked it back because the suspension has been upgraded to take the camper.
Others did not want to cover the accessories for more than 5000.
Ring Ken at TCIS, he is the boss and ask him your questions
Ray
wanderin' in retirement. victor 2010
AnswerID: 26910

Follow Up By: landie - Wednesday, Aug 06, 2003 at 17:16

Wednesday, Aug 06, 2003 at 17:16
Thanks Raymond....

My current insurer has covered accessories to the value of $14,000 including HF and GPS, upgraded suspension etc, all fully disclosed to them. After looking at it more closely I am comfortable that I'm not missing out on anything.

regards Landie, (Romeo 9869)
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FollowupID: 18479

Reply By: flappan - Wednesday, Aug 06, 2003 at 10:20

Wednesday, Aug 06, 2003 at 10:20
TCIS was an alternative.

The benefits of TCIS were, they covered you anywhere at anytime doing anything (other then racing). So it covered any club trip you went on.

The main stream Ins co's (NRMA, AAMI etc) never used to cover you for club activities, so thats were TCIS was attractive. They covered club trips because you had to be a member of a club to get the insurance.

That is changing though, AAMI will now cover Club trips, and as I understand it, NRMA look like they are changing their attitude to this as well. (maybe because of the pressure from AAMI).

the other thing though was that TCIS covered you for bush recoveries. ie Your pride and Joy ended up upside down in the creek, 50k's from the main road.

NRMA, etc NEVER covered that recovery. You always had to get it to a main road for them (and its the bush recovery thats the expensive bit).

Also TCIS were a lot free'er with the allowed "Mods". Something the main stream Co's still struggle with.

So, yes, TCIS had its benefits, but of late, with their attitude and increased premiums, its not so attractive anymore
AnswerID: 26916

Reply By: Member - Melissa - Wednesday, Aug 06, 2003 at 13:25

Wednesday, Aug 06, 2003 at 13:25
Landie,

We have our GU insured with SGIO. I too was also told that we were insured anywhere as long as we were legally allowed to be there and of course, not participating in rallies, races etc. Didn't ask about club trips as it is not relevant to us. Annual policy is $380 with 60% no claim bonus and discounts for having multiple policies with them.

Last year I came off 2nd best with a car park barrier (hubbies talking to me again, LOL). I contacted SGIO within hours and lodged a claim over the phone and was then instructed to take it to X panel beaters which I did the next morning. By that afternoon SGIO called to say the claim was approved and all I had to do was book it in for repairs and pay the $100 excess at pick-up. That was it...no paperwork, no hassles and the car back on the road good as new a week after the bingle. Now that's service!

Took longer for hubby to stop crying over his pride and joy, LOL!

:o) MelissaPetrol 4.5L GU Patrol &
Camprite TL8 offroad camper
AnswerID: 26935

Follow Up By: landie - Wednesday, Aug 06, 2003 at 14:06

Wednesday, Aug 06, 2003 at 14:06
Melissa thanks for your response. My current, insurer was precisely the same, no ambiguity. If you are in a paddock and legally entitled to be there, then I’m covered subject to the waivers that you also highlighted.

I took this to mean that if I went beyond the locked gate in a National Park, for instance, and had an accident, then they may not cover me and would be dependent on why I was there in the first place.

I guess it is no clearer to me as to why policies arranged through TCIS, at potentially extra cost, are any better than what I have.

It’s been a worthwhile exercise as it has at least raised my awareness of some of the issues.

Landie
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FollowupID: 18469

Reply By: flappan - Wednesday, Aug 06, 2003 at 15:24

Wednesday, Aug 06, 2003 at 15:24
As I said, it really depends on your requirements.

The "standard" insurance will cover most folks for most situations.

The real benefit of TCIS is for the club guys, that do lots of offroad stuff with modded to highly modded vehicles and for those that travel into the real outback stuff.

NRMA, AAMI, SGIO etc, will cover you for the accident out there, but they wont cover the recovery of the vehicle. Depending on where you are/were, that could be VERY expensive.

It seems the main stream insurers are actually getting their act together better for proper offroad insurance. They used to give boundaries as to where you could and couldn't go, normally by reference to specific maps (which led to all sorts of confusions).

Both my 4bys are covered by NRMA because as yet, TCIS doesn't even get CLOSE.
AnswerID: 26946

Reply By: bruce.h (WA) - Wednesday, Aug 06, 2003 at 20:43

Wednesday, Aug 06, 2003 at 20:43
the big question to ask your insurance company is not where your covered but what they clasify as part of the car you will find most will tell you that if it is bolted on they deem it to be part of the car & therfor insured as part of the total value of the car which is not a problem if you have a minor bag up they will repair the damaged parts but in the case of a total write off you will loose all your extras with out any compensation
Regards bruce
AnswerID: 26984

Follow Up By: Member - Bernie. (Vic) - Thursday, Aug 07, 2003 at 02:05

Thursday, Aug 07, 2003 at 02:05
All extra's need to be included on policy documents ,
and the Ins company's depreciate extra's very high,
(say $1000 articale 2 years old maybe only valued at $500) by them.
I will only insure on agreed value also as market value can be very low especially after an accident.

CheersPrado TD Auto
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FollowupID: 18534

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