Club 4x4 Insurance

[Club 4X4 Member Find all posts View Profile Close Club 4X4]

awesome pjorek! glad we were able to help out.

[Spilsy Avid PP Poster! Find all posts View Profile Close Spilsy]

Great feedback! we decided to make adjustments based on feedback we got from a survey we ran a few weeks ago so good to see we are on the right path. There is more to go in the coming months.

Regarding No Claim Bonus, you may find that a lot of insurers out there have moved away from the No Claim Bonus (NCB) structure. There was a period there where it became too easy to get the full NCB rating so it really diminished the value of it.

We don't rate based on it, we take your driving and claims history and set the premium that way. You'll find that for those companies that still do use NCB it wont be difficult to get a maximum if you shop around - most will simply match it, not like the original idea where you get rewarded and build it up over years of safe driving. Furthermore, you may find that the premium you are paying now is not 60% lower than those insurers that don't operate on a NCB system - but I have been wrong before!

But I understand your point, so sorry we cant help you out.

Thats ok. Just to help me - would my premium go up, if, for instance, I hit a roo and it did substantial damage to the car, and I subsequently put in a claim?
Or is it really only likely to go up if I'm at fault in an accident?

I don't want my premium to increase for the smallest of claims.

[Club 4X4 Member Find all posts View Profile Close Club 4X4]

Thats ok. Just to help me - would my premium go up, if, for instance, I hit a roo and it did substantial damage to the car, and I subsequently put in a claim?
Or is it really only likely to go up if I'm at fault in an accident?

I don't want my premium to increase for the smallest of claims.

No problem, it's a common concern.

When you make a claim, whether it be a collision where you're at fault, or a single vehicle collision like old mate roo stepping out at the wrong time you will see your premium go up.

Your NCB wont protect that - your NCB (as I understand it, having been in the industry for way too long!) used to give you a discount - a protected NCB would allow you a claim or two before you lost the % you were on. Now this doesn't mean your premium doesn't go up - it simply meant your discount remains the same.

It pays to speak to your current insurer, read your PDS etc. to understand exactly what it all means though - don't take my word for it as each insurer has their own rules.

Was our premium very different to the policy you currently hold?

[Spilsy Avid PP Poster! Find all posts View Profile Close Spilsy]

Thanks for clearing that up...Ill have to have a deeper read of RACV's PDS!

Your premium was a handfull of dollars a month cheaper, but covered more $ worth of car and accessories. Im currently insured for $53500. Through you, I would be insured for $51000 plus $10000 worth of accessories.

[Fred63 Advanced Member Find all posts View Profile Close Fred63]

i ran through the online quote and it is close to what i am currently paying.
Excess and premium only a bit higher.
Might come back to you mid January.

[Club 4X4 Member Find all posts View Profile Close Club 4X4]

Thanks for clearing that up...Ill have to have a deeper read of RACV's PDS!

Your premium was a handfull of dollars a month cheaper, but covered more $ worth of car and accessories. Im currently insured for $53500. Through you, I would be insured for $51000 plus $10000 worth of accessories.

That's exactly what we are about. Making sure you get the appropriate coverage in the case of the worst happening. Aside from that, the coverages such as the $2000 contents and the $1500 off-road recovery cover, these are things that make our policy incomparable in the market.

[Club 4X4 Member Find all posts View Profile Close Club 4X4]

i ran through the online quote and it is close to what i am currently paying.
Excess and premium only a bit higher.
Might come back to you mid January.

Magic!

[pjorek Advanced Member Find all posts View Profile Close pjorek]

The following question does not concern me personally as my car has the usual 2" lift and slightly larger tyres both which are in line with VIC state laws, however how does Club 4x4 insurance go with larger lifts, 35" tyres etc?

[Auscanclan Member Find all posts View Profile Close Auscanclan]

I have done the online quote for both the Prado and the camper trailer and the cost is significantly more. I am presently with Youi in Qld.
In fairness the cover will be much better overall with the good/needed extra you provide.
I might need to chat to someone in person to confirm all.
Am also interested in the previous question re the lift and tires as I need new boots and am looking at 285/70/17

P

[Club 4X4 Member Find all posts View Profile Close Club 4X4]

The following question does not concern me personally as my car has the usual 2" lift and slightly larger tyres both which are in line with VIC state laws, however how does Club 4x4 insurance go with larger lifts, 35" tyres etc?

G'day Pjorek - the answer is a pretty simple one. It needs to be road legal. Each state has is own legislation so I wont try to pass comment, but like any insurer out there the car needs to be road legal.

We have had customers call us where they're outside of those bounds, but have gone through the process of having the mods engineered. Where this is the case let us know, we'll ask for photos and a copy of the certificate to keep on file and you'll then be OK.

[Club 4X4 Member Find all posts View Profile Close Club 4X4]

I have done the online quote for both the Prado and the camper trailer and the cost is significantly more. I am presently with Youi in Qld.
In fairness the cover will be much better overall with the good/needed extra you provide.
I might need to chat to someone in person to confirm all.
Am also interested in the previous question re the lift and tires as I need new boots and am looking at 285/70/17

P

Hi Auscanclan. We are learning about the camper side and have had a lot of great feedback on how our premiums are not right. I advise you give us a call, or PM me your number and i'll get one of the team to call you. We want to have your business so we will work out a solution for you. Please let me know if you want someone to call you.

[Club 4X4 Member Find all posts View Profile Close Club 4X4]

Hi All - Just thought i'd share some informational pieces we've been rotating through our Facebook site just for more information. If you haven't liked our Facebook yet, I encourage you to do so. This sort of information stuff will come through there as well as give-aways and special offers.

1) Off-road Coverage - http://www.club4x4.com.au/gazetted-or-nos-the-question/
2) Contents Coverage - http://www.club4x4.com.au/attached-or-nos-the-question/
3) Off-road Recovery Cover - http://www.club4x4.com.au/covering-your-recovery/

[mjrandom Out of control poster! Find all posts View Profile Close mjrandom]

Are you guys forum sponsors?

[Fred63 Advanced Member Find all posts View Profile Close Fred63]

Are you guys forum sponsors?

you need to Be
and add a promo code

[nanbar Senior Member Find all posts View Profile Close nanbar]

I am looking at swapping over from RACV at the end of the month.