Vehicle Insurance

In the normal course of a day many people cross Nolans Brook and many other places and if there was a claim arising from crossing the creek it is unlikely it would be refused on an ‘improper use’ clause. I even venture to suggest this would be the case even if the creek was surging and it wasn’t sensible to cross as it might be argued it was poor judgement, but not a wilful act.

But if you were street racing or something along those lines than that would most likely be viewed as a wilful act. Going down ‘gun shot’ with a trailer might find you having to defend yourself that it wasn’t a ‘reckless act’. I’ve seen a video of this very thing where the vehicle was damaged. Hard to classify something like that as ‘not sensible’ because it was clearly ‘reckless’ the evidence was on you-tube to prove that point!

Remember an accident is just that, and that is what you are getting covered for. My tip is use your vehicle for what it is intended for, drive sensibly and with common sense and it is unlikely this clause will ever be a concern to you. Either way, good luck finding a policy that doesn’t have it in it.

Cheers, The Landy

I was concerned about some of the aspects of my NRMA insurance, particularly regarding off road driving and emailed the company for clarification. To their credit they emailed (now in writing) back and and answered all my questions and now I am confident when I go off road. But as mentioned no competitions.
I also recently needed to change the windscreen on our other car also with NRMA and glass cover. It took just 5 minutes on the phone and a guy turned up 2 days later and new windscreen, no cost, no loss of NCB. Not like some other insurance companies I have dealt with, but someone out there will have a different story