Oh OK, so even on the basic coverage I don't pay the basic excess if it's purely a breakdown/bogged recovery, just the $200 right?
Announcement
Collapse
No announcement yet.
Club 4x4 Insurance
Collapse
X
-
Originally posted by fido666 View PostOh OK, so even on the basic coverage I don't pay the basic excess if it's purely a breakdown/bogged recovery, just the $200 right?
If its the basic cover up to $1500, then only $200
Comment
-
Originally posted by Club 4X4 View PostCorrect - if you're only claiming on the recovery cover you only pay the excess relevant to the recory benefit limit that you have on your policy.
Oh and while I think about it does the same thing apply to personal items coverage? What I mean is that if my Waeco fridge gets pinched from my tent do I only pay the $500 excess and how would such a claim impact me at renewal time?
Comment
-
Originally posted by fido666 View PostThanks, I edited my post after you replied so not sure if you saw my 2nd question.
You are correct mat,e the same principle applies for the contents. If there is no damage to the vehicle you only claim on the contents and pay the applicable excess.
Cheers
Comment
-
Originally posted by Club 4X4 View PostYou are correct mat,e the same principle applies for the contents. If there is no damage to the vehicle you only claim on the contents and pay the applicable excess.
What happens if the items are in the vehicle and they smash a window or force open a door lock to get in? They steal the items but leave the vehicle itself there but damaged.
Bet you wish you'd never started responding to my questions right?
Comment
-
Correct - only the contents excess is applied. And yes, you claim up to 2k, with up to 1k on each item. You will obviously need to provide proof of purchase such as a receipt and lodge a police report also.
So if they damage your vehicle in the process of stealing your contents, you'd need to claim on the vehicle to have that damaged repaired (a choice you will make, or pay to repair yourself depending on your excess) then also pay the excess for the contents.
Hahaha - nah nah this is good!
Comment
-
Well then I guess we can all rely on your advice to be accurate then :-)
Sorry Kalen a few more questions, Is it true that i need to list all mods to the vehicle at the time I take out the policy in order for them to be covered? If I later decide to add a set of drawers for example would they still be covered?
Also for the contents do I need to list everything that I'm likely to be carrying (tent, recovery gear, etc) at the time I take out the policy?
Comment
-
Originally posted by fido666 View PostWell then I guess we can all rely on your advice to be accurate then :-)
Sorry Kalen a few more questions, Is it true that i need to list all mods to the vehicle at the time I take out the policy in order for them to be covered? If I later decide to add a set of drawers for example would they still be covered?
Also for the contents do I need to list everything that I'm likely to be carrying (tent, recovery gear, etc) at the time I take out the policy?
The need for a list or not will be dependant on the value of your mods and accessories. We have certain thresholds after which the team on the phone or the web quoting system will note the need for photos and a detailed list of modifications with values. In general the majority of people don't need to go through that process though - it's more for the heavily modified trucks.
My advice with additional mods is where you feel it has added to the value of the modifications, give us a tingle and add it on - the whole idea is to make sure that if the worst were to happen you can get yourself back to where you started.
The contents piece will be more simple, unless you are trying to insure pieces worth over $1000 then you wont need to list them, just make sure you keep proof of ownership like receipts where possible.
Comment
-
Originally posted by Club 4X4 View PostThe contents piece will be more simple, unless you are trying to insure pieces worth over $1000 then you wont need to list them, just make sure you keep proof of ownership like receipts where possible.
Also I was charged the $30 policy fee when I was assured it was being waived as my quote was generated prior to the policy change. I only noticed it when going over my insurance certificate after it was emailed to me. Might not seem like a biggie $$ wise but it is a bit annoying.
Comment
Comment