4WD Insurance

Submitted: Wednesday, Apr 15, 2009 at 14:32
ThreadID: 67869 Views:2475 Replies:5 FollowUps:4
This Thread has been Archived
Hi all,

Hope everyone has had a safe and happy Easter. We have a 1997 40th anniversary TD GXL 80 Series Landcruiser - just fitted polyairs, it also has Spotlights, bull bar, 2" lift kit, safari snorkel ect

We are currently insured with a major Company (have been for years and don't have a problem with them as such) however even with an "agreed value" we would still have to cough up around $10 - $11K just to replace the car let alone all the extra's as it is this premium costs us extra (as its agreed value).

Does anyone know of a reputable insurer or are there any fourby insurance co's???

The policy is up soon and we are thinking of changing

Thanks in advance
Matt Caz and kids
Back Expand Un-Read 0 Moderator

Reply By: Member - Troll 81 (QLD) - Wednesday, Apr 15, 2009 at 15:19

Wednesday, Apr 15, 2009 at 15:19
I used to be with TCIS found them really good to deal with but have since moved to Lumley Special Vehicles got agreed value for what I wanted and covered everything I wanted where I wanted and a better price. I pay around $800 a year with a rating 1
AnswerID: 359686

Reply By: KiwiAngler - Wednesday, Apr 15, 2009 at 17:13

Wednesday, Apr 15, 2009 at 17:13
I have used this company for about 9 years now

No problems

Have had 2 claims - all handled quickly and efficiently

DGA 4wD Insurance link
Follow me via SPOT:


My Profile  My Blog  My Position  Send Message

AnswerID: 359696

Follow Up By: Member - lyndon K (SA) - Wednesday, Apr 15, 2009 at 19:33

Wednesday, Apr 15, 2009 at 19:33
DGA are very good, i have used them for about 10 years. I pay about $850 for agrteed $65k.
Regards Lyndon
Now is the only time you own
Decide now what you will,
Place faith not in tomorrow
For the clock may then be still

My Profile  Send Message

FollowupID: 627699

Follow Up By: Member - Matt & Caz H (QLD) - Wednesday, Apr 15, 2009 at 20:04

Wednesday, Apr 15, 2009 at 20:04
Thanks - thought there must have been a 4WD specialist out there - DGA will cover you anywhere in Aust which is important as we are travelling Aust indefinately the premium is quite reasonable as well.

Matt, Caz and kids
FollowupID: 627703

Follow Up By: Member - Kiwi Kia - Thursday, Apr 16, 2009 at 08:00

Thursday, Apr 16, 2009 at 08:00
I am also with DGA. I have not had a claim so I guess I have no real experience 'at the sharp end'.

Be careful that you read the fine print if you want camping gear in the vehicle covered as well.

FollowupID: 627746

Reply By: Tony MD - Wednesday, Apr 15, 2009 at 20:11

Wednesday, Apr 15, 2009 at 20:11
Hi Matt. My non Turbo 40th anniversary edition LC had a market value between $17 & $21K with affinity insurance. I paid to have it assessed ($100.00) by an independent assessor & it is now insured for an agreed value of $35K plus some camping gear. I had a claim a couple of years ago, backed into a tree - $7.5K damage to rear bar, tailgate & door; this is what prompted me to get it assessed for an agreed value.
There were absolutely no problems with the claim. Repairer of my choice - & not the cheapest quote either. They were prepared to accept just one quote but in fairness, I hunted around & got 3.
See link http://www.affinityib.com.au/

Affinity are sponsors of 4WD Victoria
& provide discounts for Club members, alarm systems, reversing cameras fitted & the like.

Hope this helps, Cheers, Tony.
AnswerID: 359725

Reply By: Member - Matt & Caz H (QLD) - Thursday, Apr 16, 2009 at 14:48

Thursday, Apr 16, 2009 at 14:48
Hi Alll,

Thanks so much for all your input - we will look into it all.

Matt, Caz & Kids
AnswerID: 359817

Reply By: kym111 - Thursday, Apr 16, 2009 at 23:20

Thursday, Apr 16, 2009 at 23:20
Hi Matt
we've got our 2004 Patrol insured through CGU. We've been with this mob for donkey's with both house/contents and other vehicles.

Not sure about agreed value, ours is for market value, including accessories (listed). The other car we have is for agreed value, and somehow is listed as higher than what I would actually get for the car should I sell it!

We had a claim within 6 weeks of acquiring the vehicle - my then 3yo tried to run over a Holden Barina in a shopping centre carpark. That was finalised with no dramas (apart from initially trying to charge us $700 excess for unlicenced driver - we disputed and they came around).

We then had a claim for damage done whilst 4wding in sand dunes - hubby lost control whilst reversing down a steep dune, into a wattle bush. Again no dramas, except for a long waiting - this due to a dispute between the insurer and repairer, nothing to do with us!

The premium seems to be pretty reasonable, off the top of my head I'm sure it was under the $600 mark, Australia wide coverage, free annual windscreen.

Overall happy with CGU, have no reason to change at this point in time.

Hope this helps
AnswerID: 359909

Follow Up By: Member - Matt & Caz H (QLD) - Saturday, Apr 18, 2009 at 10:02

Saturday, Apr 18, 2009 at 10:02
Hi Kym111

Thanks for the info - had to smile at the 3yo taking the wheel, Matt did exactly that when he was 2yo!!! his mum's old push button auto Valliant was too much of a temptation!!!!

FollowupID: 627993

Sponsored Links

Popular Products (13)