insurance problem

Submitted: Sunday, Jun 10, 2012 at 18:15

ThreadID: 96156 Views:2372 Replies:9 FollowUps:15

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Life Member - esarby (NSW)

I am about to renew my with Apia,problem is that they do not have my vehicle listed on their computer. I have a 2009 Jeep Wrangler Sports unlimited 4 door CRD Turbo, with a 3 speed auto. Apia tells me that the closest they have is a 2009 JEEP Wrangler Unlimited 4 Fi 5 speed Auto 4 cylinder Diesel 2776 CC. NRMA has the same vehicle listed but not mine. My thoughts are that if I have an accident /right off, would the assessor tell me that the vehicle is not the one that they have listed on my policy.

Can anyone enlighten me on this. thanks in advance

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Reply By: Life Member - esarby (NSW) - Sunday, Jun 10, 2012 at 18:18

Sunday, Jun 10, 2012 at 18:18

Sorry

I am about to renew my comprehensive insurance with Apia

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AnswerID: 488099

Reply By: fisho64 - Sunday, Jun 10, 2012 at 19:12

Sunday, Jun 10, 2012 at 19:12

What is APIA telling you? That they cant renew your insurance because the car doesnt exist?
Why not tell them-"this is my car, its factory original, can you renew my insurance?"
BTW-I didnt know any car newer than about 1990 still had a 3 sp auto?

AnswerID: 488109

Reply By: Ron N - Sunday, Jun 10, 2012 at 19:27

Sunday, Jun 10, 2012 at 19:27

Esarby - You're correct. If your insured vehicle details do not align precisely with your model, then the company has an "out" to avoid any payout in the event of a claim. If they're sloppy with model ID, what else are they sloppy with?

This is a serious fault in the programming of their website, and you need to advise them that their list of vehicles is incomplete and inadequate.

You need to get in writing from them, that they are ensuring your precise model of vehicle, and you can refer them to the Red Book website to get verification of your model - and they should be using the Red Book list, anyway, to programme their list of vehicles.

Shop around the 'net anyway, you'll probably find that you can do better. No-one in their right mind pays a renewal, without checking the other companies insurance deals and offers.

They're all the same, they offer you a good deal initially on premiums, then as soon as they have you as a "captive customer" (yes, that's a marketing term), they will ramp up the renewal premium.

Google "car insurance renewal quotes" and see how you go. Many companies are extremely crafty and will not give a quote online.
They want you to phone them, and they will want to know what your current quote is.
Then they offer $5 less premium - provided you insure everything else you own with them!

This is standard fare, and it only works on some people. I actually have both house and vehicle insurance with AAMI, because they were the cheapest on both house and car (even on renewal), they are good to deal with, and they have excellent customer feedback.

Cheers - Ron.

AnswerID: 488110

Reply By: Rangiephil - Sunday, Jun 10, 2012 at 20:35

Sunday, Jun 10, 2012 at 20:35

Everyone on Carsales .com seem to think they are selling a 5 speed auto.
What makes you believe you have a 3 speed auto?
Maybe it has always been crook .
LOL
Regard sPhilip A

AnswerID: 488119

Follow Up By: Ron N - Sunday, Jun 10, 2012 at 22:15

Sunday, Jun 10, 2012 at 22:15

Perhaps esarby is so overawed by that limitless Jeep power, he hasn't got her out of 3rd gear yet?? LOL

FollowupID: 763331

Follow Up By: Ron N - Sunday, Jun 10, 2012 at 22:43

Sunday, Jun 10, 2012 at 22:43

Yep, Redbook says: 2009 Jeep Wrangler Unlimited Sport JK, 4 Dr, 2.8DT diesel - 5 speed automatic.

Esarby's gotta find those other two cogs. That's the trouble with that Yank stuff - when they swap the steering wheel over, you never can find all those cogs again!

http://www.redbook.com.au/cars/research/used/results?sort=default&N=4294954492%204294843359%204294954492%204294843359%202994&eapi=2&vertical=Car&silo=Spec&Range=Year%3a2009%2c2009

FollowupID: 763334

Follow Up By: Life Member - esarby (NSW) - Monday, Jun 11, 2012 at 13:34

Monday, Jun 11, 2012 at 13:34

Ron N. It is ok for you to sit at you keyboard and tell what the Redbook say's. Apia are reading redbook and are telling me the same. The vehicle that I have is a 2099 Jeep Wrangler 4 door CRD with Turbo. I have driven it for the past two plus years for 24.000 klms. On the dash readout ther is a light bar that shows the gears that you are in. Drive. then two, then one. I have looked through the Redbook site you pointed out and it does not show the vehicle that I own. As finding those two other cogs, I think I would of found them when I drove from Sydney to Silverton and achieved 10.5 L/100 Klms. Pretty hard to do in third gear I think. Vehicle pictured.

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FollowupID: 763374

Follow Up By: garrycol - Monday, Jun 11, 2012 at 13:48

Monday, Jun 11, 2012 at 13:48

Jeep phased out the 3 speed auto in 2003 so if your 2009 model has a 3 speed someopne has retrofitted one.

Garry

FollowupID: 763376

Follow Up By: Member - Tony V (NSW) - Monday, Jun 11, 2012 at 14:01

Monday, Jun 11, 2012 at 14:01

Esarby,

My wifes Daewoo Kalos has a 4 Speed Auto.. The leaver states P R D 2 1 similar to this one.

But it is still a 4 speed Auto. I suspect that yours is similar.

FollowupID: 763379

Follow Up By: Life Member - esarby (NSW) - Monday, Jun 11, 2012 at 16:14

Monday, Jun 11, 2012 at 16:14

Tony. nYes exactly the same. Drive in one gear in auto. then you caan change down to TWO then down to ONE. How does this work out to be a FOUR or FIVE Speed. I rep from Apia said that Reverse was a gear but I do not know where Apia get FIFTH from. She also quote that this vehicle might be a imported car so it might be a one off. I told her that all Jeeps were imported. She said that she did not know that. I am taking it back to the dealer on Tueaday to get it sorted out.

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FollowupID: 763399

Follow Up By: Ron N - Monday, Jun 11, 2012 at 16:18

Monday, Jun 11, 2012 at 16:18

esarby - This is the first time I've ever found an error in Redbooks detailed specs, as they are normally sticklers for precise details.
However, they have obviously erred in this case, by becoming confused at the vast array of transmissions that Chrysler have used in the multitude of Jeep models.

All transmissions are designated by forward speeds only, and always have been.
The problem arises from the fact that your transmission selector only shows three forward speeds - but the 42RLE auto transmission model that your vehicle uses, has a 4th OVERDRIVE gear - and the transmission changes up to this 4th OD gear, automatically, without you having to move the selector lever.

This is a somewhat similar arrangement to the auto transmissions with lockup torque converters (80 series Landcruiser) - whereby the transmission is actually a three speed, but the Overdrive 4th gear appears when the Torque Converter clutch locks up.

However, the 42RLE 4th OD gear in the Wrangler, doesn't involve a Torque Converter lockup - the 4th OD gear is selected automatically via two clutch packs being engaged by oil pressure from the transmission oil pump.

Your transmission is classified on all technical descriptions, as a 4 speed.

Cheers - Ron.

FollowupID: 763401

Follow Up By: Life Member - esarby (NSW) - Monday, Jun 11, 2012 at 18:15

Monday, Jun 11, 2012 at 18:15

Ron N.

I appreciate what you are explaining but my driver manual says that I have Drive, 2nd and 1st no mention of overdrive. The point I am trying to sort out with Apia is that is classing my vehicle as a 2009 Jeep Wrangler Unlimited Renegrade 4 Fi 5 speed Auto 4 Cylinder Diesel 2776 CC. The dealer says that it is a 4 door Jeep Wrangler Sports Unlimited CRD Turbo. I do not know why Redbook do not list the vehicle. I am getting a stat dec from the dealer next week to send to Apia so they can get their records right. Thanks for your input.

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FollowupID: 763421

Reply By: MEMBER - Darian, SA - Monday, Jun 11, 2012 at 10:17

Monday, Jun 11, 2012 at 10:17

Sage advice from Ron - if the correct details are not on your paperwork, simply take it that you don't have cover. Best also to assume that you are dealing with "artful dodgers' when phoning for insurance...... the more you phone around, the more you express reluctance to accept any quote as fixed, the more you will save !

AnswerID: 488154

Reply By: aka - Monday, Jun 11, 2012 at 10:30

Monday, Jun 11, 2012 at 10:30

They would not insure my Peugeot but would insure my Prado you are really dealing with AAMI . APIA is only a small part of them

AnswerID: 488155

Follow Up By: garrycol - Monday, Jun 11, 2012 at 12:44

Monday, Jun 11, 2012 at 12:44

And APIA is generally more expensive than AAMI - just a marketing tool to suck in gullible pensioners.

FollowupID: 763369

Reply By: fisho64 - Monday, Jun 11, 2012 at 13:18

Monday, Jun 11, 2012 at 13:18

Esarby have a look on the plate under the bonnet for the specs. It should list the transmission option fitted. Post it here so it can be checked as no-one seems to have heard of a 3 sp option.

Best be careful as if you convince them to accept a 3 sp and its not, you'll actually be in the pickle your trying to avoid!

AnswerID: 488172

Follow Up By: Life Member - esarby (NSW) - Monday, Jun 11, 2012 at 13:57

Monday, Jun 11, 2012 at 13:57

Fisho64.
I have just checked my gear change and it reads - P for Park - R for Reverse - N for Neutral - D for Dive - 2 and 1. P. R. N. D. 2. 1. is that the 5 Gears that they are quoting me? Or can some explain to me where I find the other two Gears. I have drive Cars and trucks over the past fifty years. Manual and Automatics. I have always understood the gears are the five forward gears that you need to drive forward in. Do we now have to count P. R. N. D. 2. 1. as the gears the insurance company works by?

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FollowupID: 763378

Follow Up By: Member - Tony V (NSW) - Monday, Jun 11, 2012 at 14:23

Monday, Jun 11, 2012 at 14:23

Is from Carsales.com.au 2009 Jeep Wrangler 5 Speed Auto and shows P - R - N - D - 2 - 1

To be sure I looked at another 2009 Auto

The same P-R-N-2-1 on a white 4 Speed Auto Wrangler...

You have a 4 Speed Auto..... or what could technically be called a 3 speed with overdrive. Its still 4 gears forward.

FollowupID: 763381

Follow Up By: garrycol - Monday, Jun 11, 2012 at 14:43

Monday, Jun 11, 2012 at 14:43

What does the car handbook say - if in doubt read the instructions :-)

FollowupID: 763387

Follow Up By: Ron N - Monday, Jun 11, 2012 at 14:43

Monday, Jun 11, 2012 at 14:43

esarby - O.K., sorry to be a little flippant, but I was thinking that perhaps you had a 3 speed with lockup on the two top gears, making it a 5 speed.

However, after extensive research (and with no help from Chrysler, as regards information relating to transmission models), it appears that your transmission is the Ultradrive 42RLE model, 4 SPEED transmission.

This transmission was fitted to the JK diesel Jeep Wranglers from 2007 to 2012, when it was replaced by the Mercedes-sourced 5G-Tronic, 5 speed transmission.

Here is the design and operation information on your transmission -

http://www.scribd.com/doc/23066699/42RLE-AUTOMATIC-TRANSMISSION

You would be best advised to find the transmission ID tag, and the vehicle VIN tag, and take photos of both of them, to show the insurance people what you have fitted by way of drivetrain components.

The Jeep family appear to be a nightmare of constant changes in drivetrain components and specifications. No doubt the short-lived and share-market driven Daimler tie-up didn't help much.

Cheers - Ron.

FollowupID: 763388

Follow Up By: fisho64 - Monday, Jun 11, 2012 at 14:46

Monday, Jun 11, 2012 at 14:46

Esarby, i can sense you are getting a bit wound up, but whats the problem with checking the spec plate for the transmission option fitted? Thats what it will hinge on. If you smash it up they aint going to strip the tranny and count whats in there are they?

FollowupID: 763389

Reply By: Member - Josh- Monday, Jun 11, 2012 at 19:59

Monday, Jun 11, 2012 at 19:59

Quote"It is ok for you to sit at you keyboard and tell what the Redbook say's. Apia are reading redbook and are telling me the same. The vehicle that I have is a 2099 Jeep Wrangler 4 door CRD with Turbo"Quote.

I have found your problem Esarby. It is there in plain sight in the last sentence. Your driving a 2099 vehicle. IT HASN'T EVEN BEEN BUILT YET.
Sorry couldn't resist.

Josh

AnswerID: 488201