Club 4x4 Insurance

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

Just got my renewal from AAMI, premium gone up by $100 & agreed value gone down to 14,000.
Same thing only $100 more through Club - $22,000 agreed value plus all the extras they offer.

No brainer really....

:-) glad we were able to help!

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

Have been going through the process of getting a quote. Can I make a couple of suggestions?

For the website quote process it would be really good if you could save the quote and go back to it later (i.e. the next day). At present you have to start from scratch if you exit out. Would also help where you want to adjust options and levels of cover or excess.

A quote made over the phone can't be recalled online via the quote number so if your call center is closed the only option is to start from scratch if you want to buy the policy or adjust options to see how it affects the premium.

Also what's the non-refundable $33 policy fee all about?

Morning Fido - apologies for the late response - I wasn't notified about this new post so i'll need to check the settings of the account.

On the top right hand side of the quote screen there is a quote number that you can use to then retrieve your quote from our website https://secure.club4x4.com.au/retrieve/retrieve-quote

We are in the process of doing some development on our quoting site to make it simpler and more streamlined so your feedback comes at a great time mate - we need to make this more prominent!

Will need to check if a phone based quote number can be retrieved online!

Finally, as an underwriting agency, our income comes from commissions paid to us by the underwriter, Hollard. The policy fee is part of that process.

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

Morning all,

In case anyone isn't on our Facebook or hasn't seen it on our website, Club 4X4 is giving you a chance to win 1 of 5 47L ARB Fridge Freezers worth $1280.

All you have to do is click on this link and follow the instructions.

Basically, like us on Facebook through the link, go through the link within to get a no obligation quote with us then enter your details and quote number.

Easy as that, you may even find that you get a better deal with us anyway!

The comp runs through to the 30th of June so get amongst it and share it around!

[fido666 Banned Find all posts View Profile Close fido666]

On the top right hand side of the quote screen there is a quote number that you can use to then retrieve your quote from our website https://secure.club4x4.com.au/retrieve/retrieve-quote

But you can't save a partially completed quote, you have to go all the way through to the end first. Sometimes there may be info the customer needs to retrieve from their records and come back later, if the browser window gets closed in the meantime they have to start all over again.

We are in the process of doing some development on our quoting site to make it simpler and more streamlined so your feedback comes at a great time mate - we need to make this more prominent!

Yeah, the "retrieve quote" selection on the home page is kinda buried.

Will need to check if a phone based quote number can be retrieved online!

I was told by the consultant I spoke to that it can't be, just tried it myself and nope!

Finally, as an underwriting agency, our income comes from commissions paid to us by the underwriter, Hollard. The policy fee is part of that process.

I get the bit about commissions but it seems the customer gets to foot the bill. It wasn't there when I first called last week and then after requesting some modifications to the quote I was advised about the fee.

Basically, like us on Facebook through the link, go through the link within to get a no obligation quote with us then enter your details and quote number.

Can you enter with an existing quote number or do you have to go through the whole process again?

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

But you can't save a partially completed quote, you have to go all the way through to the end first. Sometimes there may be info the customer needs to retrieve from their records and come back later, if the browser window gets closed in the meantime they have to start all over again.



Yeah, the "retrieve quote" selection on the home page is kinda buried.



I was told by the consultant I spoke to that it can't be, just tried it myself and nope!



I get the bit about commissions but it seems the customer gets to foot the bill.

All great points and will work them into our system redevelopment! thanks very much!

With reference to the commission - I can understand that it seems that way, but that is unfortunately how it is structured.

[fido666 Banned Find all posts View Profile Close fido666]

All great points and will work them into our system redevelopment! thanks very much!

With reference to the commission - I can understand that it seems that way, but that is unfortunately how it is structured.

No problem, glad to help make the customer experience better. I work in a service industry myself, gotta keep those customers happy! My point about the fee was that it was new and not mentioned to me when I first called.

So can I use my existing quote number to enter the fridge contest? Also, with respect to off-road recovery cost coverage is $1500 likely to get you out of a remote location? I've heard stories of $5K to $10K costs for Simpson recoveries as one example. I have yet to do any really remote touring but would like peace of mind for when I do.

[r4ndll Avid PP Poster! Find all posts View Profile Close r4ndll]

No problem, glad to help make the customer experience better. I work in a service industry myself, gotta keep those customers happy! My point about the fee was that it was new and not mentioned to me when I first called.

So can I use my existing quote number to enter the fridge contest? Also, with respect to off-road recovery cost coverage is $1500 likely to get you out of a remote location? I've heard stories of $5K to $10K costs for Simpson recoveries as one example. I have yet to do any really remote touring but would like peace of mind for when I do.

You can increase the coverage by paying extra on the premium. I'm off to the Simpson in Sept so increased it to the next level from $1,500 to $15,000 for somewhere between 100-200 extra on the premium. I can't remember the exact costs off the top of my head though so don't quote me on that.

[fido666 Banned Find all posts View Profile Close fido666]

You can increase the coverage by paying extra on the premium. I'm off to the Simpson in Sept so increased it to the next level from $1,500 to $15,000 for somewhere between 100-200 extra on the premium. I can't remember the exact costs off the top of my head though so don't quote me on that.

Yes I know you can up it for extra cost. Are you aware the extra coverage carries an additional excess? Mr Fido read the Supplementary PDS and apparently it's an additional excess of $200 for the basic $1,500 coverage and the additional Off-Road recovery coverage (so the $15K bit) has an additional excess of 5% on top of the $200. The $200 is on top of the basic policy excess (i.e. the $650 or $850 or whatever basic excess you selected). Happy to stand corrected but that's how I understand it.

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

No problem, glad to help make the customer experience better. I work in a service industry myself, gotta keep those customers happy! My point about the fee was that it was new and not mentioned to me when I first called.

So can I use my existing quote number to enter the fridge contest? Also, with respect to off-road recovery cost coverage is $1500 likely to get you out of a remote location? I've heard stories of $5K to $10K costs for Simpson recoveries as one example. I have yet to do any really remote touring but would like peace of mind for when I do.

Ahh ok - understand what you're saying about the fee now. That was released a couple of weeks ago following a system glitch which meant it wasn't being collected properly.

Yes absolutely you can use the existing quote number - just pop it in through as well as completing the rest of the steps and you'll be in the running!

So regarding your question about recovery. I guess that's a difficult question to answer unless we are all on the same page regarding "remote". I've actually heard of recovery's out of the Simpson that cost 25k! It's a hard one, because i you aren't doing the massive trips yet you may be better of waiting, but the challenge is that you cannot add the cover mid way through the policy.

Are you considering doing anything big in the next 12 months?

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

Yes I know you can up it for extra cost. Are you aware the extra coverage carries an additional excess? Mr Fido read the Supplementary PDS and apparently it's an additional excess of $200 for the basic $1,500 coverage and the additional Off-Road recovery coverage (so the $15K bit) has an additional excess of 5% on top of the $200. The $200 is on top of the basic policy excess (i.e. the $650 or $850 or whatever basic excess you selected). Happy to stand corrected but that's how I understand it.

This change came in 1 April - if Randall got his policy before that date he would be on the older scheme. BUT, as we had said before, we are prepared to honour what works best for the customer out of the older and new wording. You can see our release here http://www.club4x4.com.au/news-suppl...ctive-april-1/

[fido666 Banned Find all posts View Profile Close fido666]

This change came in 1 April - if Randall got his policy before that date he would be on the older scheme.

OK but for NEW customers the > $1500 recovery cost coverage will cost more and have a higher excess right? Can I just clarify if the basic excess is also charged on top of this? Sorry to be picky but just making sure I understand what I'm up for if I switch to you from my current insurer. Not planning any big 4WD trips in the next 12 months, just seeking to understand how it works if I decide to up the standard coverage in the future.

[r4ndll Avid PP Poster! Find all posts View Profile Close r4ndll]

This change came in 1 April - if Randall got his policy before that date he would be on the older scheme. BUT, as we had said before, we are prepared to honour what works best for the customer out of the older and new wording. You can see our release here http://www.club4x4.com.au/news-suppl...ctive-april-1/

I'm under the old wording.

Even under the new wording it's an extra $1045 to avoid paying for a $15k recovery. 145+200+(15000*0.05). I'd rather pay a grand than 15 grand if we break down on the Hay River track next Sept.

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

OK but for NEW customers the > $1500 recovery cost coverage will cost more and have a higher excess right? Can I just clarify if the basic excess is also charged on top of this? Sorry to be picky but just making sure I understand what I'm up for if I switch to you from my current insurer. Not planning any big 4WD trips in the next 12 months, just seeking to understand how it works if I decide to up the standard coverage in the future.

Morning Fido,

Yes, for customers on the new wording the premium and the excess will be higher. The basic excess is charged on top of the 5% of the claimed amount to a maximum of $1500.

It sounds to me like the best thing you can do for the moment is get the basic coverage - let's say in the next 12 months you do some smaller trips you have a reasonable coverage off the shelf, and as you possibly plan a bigger trip for next year you can elect to take the bigger cover.

Randall has looked at this is the exactly the way we do. Having this coverage is something that needs to be planned as carefully as any planning for a big trip. There is no point having the bigger cover unless you are planning to undertake the bigger trips, and during these bigger trips it is always going to be better to be up for $1500 rather than 3, 10, 18 or 30k in our books.

[fido666 Banned Find all posts View Profile Close fido666]

It sounds to me like the best thing you can do for the moment is get the basic coverage - let's say in the next 12 months you do some smaller trips you have a reasonable coverage off the shelf, and as you possibly plan a bigger trip for next year you can elect to take the bigger cover.

Morning Club 4x4,

Sounds OK but on the basic cover I would still be paying $650 basic excess (assuming I chose the minimum excess) plus $200 = $850 just to get back $1500, that's over half the benefit just in excess. Would a claim just for recovery then effect my premium next year?

I understand you can only claim it once per year too so if I had a breakdown recovery plus an accident (God forbid) how is the accident recovery handled? Is it just classed as normal towing?

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

Morning Club 4x4,

Sounds OK but on the basic cover I would still be paying $650 basic excess (assuming I chose the minimum excess) plus $200 = $850 just to get back $1500, that's over half the benefit just in excess. Would a claim just for recovery then effect my premium next year?

I understand you can only claim it once per year too so if I had a breakdown recovery plus an accident (God forbid) how is the accident recovery handled? Is it just classed as normal towing?

Great points, let me clarify.

Many people misunderstand the off-road recovery cover. This cover comes into play when your vehicle is broken down or stuck in a situation that is outside of the normal coverage limits where a "claimable event" such as a collision has occurred. If you have a claimable event your vehicle will need to be recovered for assessing and repair by us or whoever your insurer is.

Our Off-road recovery cover bypasses this. Say for example you've done your gearbox or very badly bogged and cannot get out. These are not claimable events under any normal motor vehicle insurance policy. This cover ($1500 in the base policy) gives you financial compensation up to the available amount to get you out of that situation.

So say you broke down in the Simpson - your roadside isn't going to come to get you from dune 356 nor is your insurer. But if you're insured with us you're covered for up to $1500 of the recovery that you will organise. If you've paid for the higher coverage your covered to the applicable limit and the excess will be applied. In this instance you wont be paying your normal excess of $650 (if that's what you have chosen) as you've not had a claimable event.

Hope that makes sense