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