4x4 Inurance
Submitted: Tuesday, Oct 26, 2010 at 15:21
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I,m sure this question has been done to death but here goes anyway.
Is there a good insureance co out there that also covers generak 4x4 off roading IE: Non raceing/competition?
Reply By: Member - Duncan W (WA) - Tuesday, Oct 26, 2010 at 15:31
Tuesday, Oct 26, 2010 at 15:31
If in
Perth - HBF do and Aust wide QBE do.
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434269
Follow Up By: get outmore - Tuesday, Oct 26, 2010 at 17:01
Tuesday, Oct 26, 2010 at 17:01
as does RAC contrary to popular belief from reading a few PDS from companys im not aware of any (there may
well be though) that only limit cover to roads
most provdie cover
- for insurance approved and legal mods
- anywhere in oz you are legally entitled to be
- for any damage not done intentionally or recklossly
which is pretty much all you need
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Follow Up By: dereki - Tuesday, Oct 26, 2010 at 20:03
Tuesday, Oct 26, 2010 at 20:03
NRMA is the same.
Just read the PDS carefully.
IMHO, Trying to limit to "Roads" is too complicated. What happens on easements used to access multiple driveways, or car parks or what if you
park on your front lawn... the list is endless.
D
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Follow Up By: Shaker - Tuesday, Oct 26, 2010 at 20:28
Tuesday, Oct 26, 2010 at 20:28
Just make sure the off road tracks are on maps!
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Follow Up By: dereki - Tuesday, Oct 26, 2010 at 21:03
Tuesday, Oct 26, 2010 at 21:03
Read the PDS. The NRMA one clearly says. "Anywhere in Australia." There is no mention of roads, off road, or otherwise anywhere in the document. Including the road/track having to be on a map.
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Follow Up By: Member - Christopher P (NSW) - Tuesday, Oct 26, 2010 at 21:40
Tuesday, Oct 26, 2010 at 21:40
Forget the NRMA, they are screwing down the repairs big time. Everyone who has insurance with the NRMA all you get is second hand parts and dodgy workmanship. Being talking to some panel beaters lately and these are the preferred repairs!!!!
AAMI does my insurance for me, anywhere in Australia.
And i queried them like the spanish inquisition!!!
Cheers and good hunting.
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Follow Up By: Shaker - Tuesday, Oct 26, 2010 at 23:10
Tuesday, Oct 26, 2010 at 23:10
AAMI have pinged plenty of times for forcing repairers to use second hand & imported parts & panels ..... no thanks!
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Reply By: Dennis Ellery - Tuesday, Oct 26, 2010 at 23:56
Tuesday, Oct 26, 2010 at 23:56
What’s the concern – I have QBE covering both my town vehicle and the 4WD – there is no difference in the policies. I recently rolled off a
rocky outcrop on a remote beach and smashed the side of my 4WD. QBE said it didn’t matter that I was off road. Read your policy – if it doesn’t list off-road activity in its exclusions you are covered.
AnswerID:
434318
Reply By: malley11 - Wednesday, Oct 27, 2010 at 08:29
Wednesday, Oct 27, 2010 at 08:29
Hi I would suggest you try Shannons or Just Cars both are good and charge reasonably.They specialise in modified and unusuall vehicles.Had one claim with Just Cars,was off road and put the fan through the radiator done about $3000 worth of damage,put in a claim and they just got the repairer to take some photos of engine mounts etc to make sure there was no mechanical defects.I paid the repairer and they reimbursed me about two weeks after they got the reciepts.
Happy Motoring
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434332
Reply By: Member - Tony V (NSW) - Thursday, Oct 28, 2010 at 13:17