Club 4x4 Insurance

[Heath. Junior Member Find all posts View Profile Close Heath.]

I am seriously considering swapping to Club 4x4 but hesitate as I am yet to read a review about someone getting a payout. (Besides the reviews on the Club 4x4 website). Everything else looks great but has anyone on Prado Point got a payout from these guys?

Ps. also a promo code for pradopoint users would be nice

[Heath. Junior Member Find all posts View Profile Close Heath.]

how do i delete a double post?

[yogibearrrr Lurker Find all posts View Profile Close yogibearrrr]

Got an email as expected about my insurance being due in a month so wondered the following

what are club 4x4 like with claims? anyone had to off road and also on road?

[Guest Close Guest]

Interesting topic popping up all over the web currently in regards to Club 4x4 and a customers claim process so far..

The accident: (((Language warning)))
Video may not link due to facebook, but see how it goes..

The story.. (names removed).

Hi Guys

Just though Id share out recent experience with Club 4x4 insurance.

we had an accident with a cow over easter, taking out the front of the cruiser. I tried to call the insurance company only to find they are only open Mon - Fri 8 - 4pm.

Given that it was easter weekend I called them first thing Tuesday morning to advise them of the accident. I was asked to supply photos, dash cam footage, driving history and rego papers for the cruiser which i did. A few days went by and I hadnt heard anything from them, so i called and got told once they has something to tell me they would contact me.

On Wednesday 11th April I received a call from the claims dept of club 4x4 and they confirmed for me that the cruiser would be repaired and that it would be transported from Gin Gin to Mackay, where we are currently. They also provided me the name if the repairer.

On Thursday I call the repairer to see that they have received communication from the insurance company and they confirmed for me they had... Happy days or so I thought.

On Friday I received a text message to call club 4x4 urgently, so I called only to be told by a claims consultant that my claim has been denied and my policy cancelled do to non-disclosure of 9 vehicle insurance claims prior to inception of the policy which was back on 6th April 2017.

I was flabbergasted as I knew this not to be true, I asked them to send me the report.

On closer inspection of the report from IRS, there is 1 at fault claim for Jemma and 4 windscreen replacements (not all for the same vehicle) that are dated prior to the date of inception of the policy. There is 1 at fault claim for Dalton and 2 windscreen claims ( again not for the same vehicle) and a closed claim from Allianz all dated after the date of inception.

I have have been in touch with RACQ who was the insurance company for all claims bar 1 windscreen which was with Club 4x4. and they have advised me that windscreen claims and not a claim on your insurance but rather a benefit that is supplied to you on the purchase of your fully comprehensive policy. Both policy's for the at fault accidents for Jemma and Dalton are in both mine and their names.

Allianz is not even a claim but rather an inquiry, someone backed into me and I made an inquiry as to the excess and whether I should claim it through insurance, it turned out the excess was more that the cost to repair the car so I personally paid for the repairs.

I have gone back to Club 4x4 with this information and asked for my complaint to be escalated.

On Tuesday 17th I received a call from the claims manager of Club 4x4 whom informs me now that I proven them wrong on the statement of the non disclosure of 9 vehicle insurance claims, they have now decided to move the goal posts and tell me that the claim Dalton had which was after the inception of the policy was not disclosed to them at time of policy renewal, that their decision to deny my claim and cancel my policy stands. So my question here was, why is this accident in contention when it was Dalton's claim and not mine. Apparently I am dishonest and now deemed a high risk for insurance.

Today I have written to the Internal Dispute Resolution committee and requested a review of the decision and I supplied them all of the above information. I have asked them the question, this If I am held responsible for my kids accidents does that mean they are held responsible for this accident (Andy was driving).

Now we have to wait upto 45 days for an answer......

In the mean time I asked if we could move the cruiser and I was told by the claims manager " do what you like its your car". I have now made arrangements to have the cruiser transported from Gin Gin to Mackay to the nominated repairer, totally at my cost of course and of course I now have to pay for the accident tow and the storage fees as well.

I will keep u posted on the outcome, but please if you are insured with Club 4x4 be careful as they clearly are not easy to deal with and in the event of an accident you may have a fight on your hands like we do.

Please feel free to share my experience with others that you feel may need to know.

Regards <removed>

[D4D Addicted PP Member Find all posts View Profile Close D4D]

When it sounds too good to be true it usually is. My premium dropped by half going to Club 4x4. Just as well my Prado sits in the garage these days and doesn't get driven. I wonder where Pat is on all of this...

[Guest Close Guest]

When it sounds too good to be true it usually is. My premium dropped by half going to Club 4x4. Just as well my Prado sits in the garage these days and doesn't get driven. I wonder where Pat is on all of this...

Till you need to make a claim it seems.. I've just moved a couple cars away from them after having a good read of their new T&C and some issues others have had with them on claims.

[D4D Addicted PP Member Find all posts View Profile Close D4D]

Their response https://www.club4x4.com.au/how-to-be...ssues-with-us/

What are the main points of their T&C you have issue with?

Who did you move to?

[Guest Close Guest]

There was a number of points they have changed, including recovery options etc. Plus premium increases for no reason. I moved to Shannons as I have other vehicles with them.

[Guest Close Guest]

Their response https://www.club4x4.com.au/how-to-be...ssues-with-us/

I hear they are now feeling the power of social media. To be honest they deserve to lose clients for the way they have gone about their business and attempting to rort people out of claims..

The one I posted earlier, they stated they wouldn't cover due to a couple of windscreen claims with another insurer, Do any of you report that you have had a windscreen claim when asked if any previous claims? I did to Club 4x4 and was told that doesn't count..
Well in the gents case above it apparently did..
So in no way were they planning on letting him have any claims honoured, but yet they were happy to leave his policy in place and take his money every month..
Sorry but that there made up my mind to leave them forthwith.. Shonks nothing more to call them..

[davewilliams Lurker Find all posts View Profile Close davewilliams]

Beware of Club 4x4

I had an at fault accident and they tried everything to avoid paying, including the "non disclosure of a previous claim" (a windscreen 3 years previous) chestnut.
They were very difficult to deal with, from a customer point of view and according to my repairer, they were also very unreasonable.
They initially called me to offer me a cash settlement for my claim, of $1000, as I knew the damage was more around the $12000 mark I questioned why anyone in their right mind would accept such a ludicrous offer. The reply was silence.

The repairs were completed however when one of the repairs failed 13 months later they refused to cover it - probably because by then my renewal had come with a 45% premium increase and I had left them.

My offroad camper is up for renewal and I've just read the policy offer and they have reduced the insured value and removed offroad use from the policy - Sly, removing offroad use from a 4x4 camper from a 4x4 insurer!!

They are complete bastards and I wish them all the very best of bad luck.

[mullerwh Member Find all posts View Profile Close mullerwh]

I also had a less than favourable experience with Club4x4. I had an at fault accident where I had slight damage to my ARB bar. They insisted on repairing and repainting the bar, the overall cost was $150 less that what new bar would have costed. My car was in with the repairer for 4 weeks - bar removed, bar sanded, send away for 1.5 weeks to get repainted and then other week to fit. 4 weeks with a repaired bumper vs new bumper with 1 day for install, and no option to pay the difference. Regardless, I'm not longer with them because my premium went up with %30.

[davewilliams Lurker Find all posts View Profile Close davewilliams]

When I called them to query the massive hike in premiums I was told as they are a new, specialised insurer and had massively underpriced their premiums when they started, the increase reflected current market conditions. That could have been a cool story but I didn't hang around to hear the punchline.

[Tonz Member Find all posts View Profile Close Tonz]

A really great thread thanks, everyone.