Club 4x4 Insurance

[SimpleSi Member Find all posts View Profile Close SimpleSi]

I guess this is where your standard roadside assistance kicks in...They get you out to where a normal tow truck can go??? Though normal tow trucks do not get to every gazetted road...

I personally think it's a bit of advertising trickery on their behalf. Their ads say the $1500 is recovery when "off road". It's only the PDS/fineprint that states it applies when off a gazetted road, and ONLY gets them to the nearest gazetted road.

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

Hi there,

So my current insurer will not cover me for Landcruiser Mountain Park at all. Basically if I take my Prado in there, I am on my own in their eyes.
What is Club 4x4's view on places like that and let's say I do crash it while not being "unreasonable", would I still be covered?
Also in the Glasshouse Mountains National Park here, we have our own Big Red, would I be covered if I tried to tackle it and rolled for example?

Hi Vaelen,

We cover you anywhere in Australia, as long as you aren't trespassing, doing something illegal, or disobeying local law enforcement orders of road closures.

In both examples you have listed above, you would be covered.

Cheers

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

So if I were to break down on one of the tracks in the Simpson (gazetted road) then the $1500 recovery with Club4x4 would or would not apply?

Hi SimpleSi

There are many gazetted roads that are not sealed as we all know - many regular towing agents will not recover out of that environment. There are specialist recovery agents who will get your car out of this sort of situation and our off-road recovery cover is there to cover the cost of you doing so. Just get the car recovered and send in a tax invoice from a registered towing agent and we will reimburse you depending on the coverage that you have.

Hope this helps to clarify?

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

From what I can gather, regardless of the type of recovery, you pay the excess ($200), Club 4x4 cover the first $1500... Happy to be corrected if I'm wrong.

Absolutely correct - the limit is based on the $ amount. The basic policy has $1500, but you can pay an extra premium to have up to 15k or 30k cover.

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

"If your vehicle suffers a mechanical failure, becomes stuck or cannot be driven and you require assistance from a third party to transport, tow or recover your vehicle while driving offroad, we will reimburse you the costs incurred to transport, tow or recover the vehicle to the nearest gazetted road. An excess of $200 will be applied to any payment we make which, under this additional benefit, is limited to one (1) claim per policy period, up to a maximum of $1,500. "

So, are the tracks in the Simpson/Fraser beach/OTT gazetted or not?

That's too hard a question to answer - it will be dependant on where you are driving. There are gazetted tracks in each of those locations that you can easily find on a map - these are tracks that have been identified and published by the government. These are gazetted.

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

I guess this is where your standard roadside assistance kicks in...They get you out to where a normal tow truck can go??? Though normal tow trucks do not get to every gazetted road...

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$650 is about the standard for Excesses. I think I've always had a $650 excess...with Budget Direct, Toyota Insurance and RACV.

Spilsy you are correct. Our cover is designed to help cover the cost of getting you out of places that no one else will cover you for - to my knowledge no insurer or roadside assist will arrange for the Birdsville Recovery truck to come out and get you to the nearest gazetted. We will

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

I have taken the plunge and used Club4x4 as the prices are too good to refuse.

Is this despite your comment about calling them on Boxing Day? Was it only the price that changed your mind?
Im just waiting for my amended renewal from RACV, and if the price hasn't improved, I think I'll be switching.

Club 4x4, If I called on a public holiday (like Christmas/Good Friday) after an accident, will I be able to speak to someone?

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

Is this despite your comment about calling them on Boxing Day? Was it only the price that changed your mind?
Im just waiting for my amended renewal from RACV, and if the price hasn't improved, I think I'll be switching.

Club 4x4, If I called on a public holiday (like Christmas/Good Friday) after an accident, will I be able to speak to someone?

Hi There. this mayt not always be the case but at the moment we don't open on weekends or public holidays, but neither are repairers. Generally if the car isn't drivable the tow operator would take the car to a holding yard until a business day at which point you can direct them where the vehicle needs to go under our preferred repairer scheme.

If it is drivable, you can leave a message for us and we will call you back the following business day morning.

hope this helps

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

Hi There. this mayt not always be the case but at the moment we don't open on weekends or public holidays, but neither are repairers. Generally if the car isn't drivable the tow operator would take the car to a holding yard until a business day at which point you can direct them where the vehicle needs to go under our preferred repairer scheme.

If it is drivable, you can leave a message for us and we will call you back the following business day morning.

hope this helps

Thanks for that.

Having never (touch wood) needed to call an insurer after an incident, I assume its not the end of the world if I do not speak to someone immediately. In fact, talking with my insurer is probably the last thing on my mind.

I guess if you can get as much detail as possible at the time of the incident, calling the next business day cant hurt.

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

Thanks for that.

Having never (touch wood) needed to call an insurer after an incident, I assume its not the end of the world if I do not speak to someone immediately. In fact, talking with my insurer is probably the last thing on my mind.

I guess if you can get as much detail as possible at the time of the incident, calling the next business day cant hurt.

No problem glad it helps.

Here a link to some helpful FAQ's when it comes to claims.

This thread has lead me to put in something about out of hours and what to do so thanks for bringing it up. Greatly appreciated.

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

They explained that they don't open on PHs or Weekends but will always process any claims asap and reimburse any costs incurred. Roadside assistance (if you take it up) is 24/7 so no problems there. I was satisfied with the explanation. They honoured the original quote I had from them so happy days, I'm in. Always hope you don't need to use the service and make a claim but...

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

Hi Vaelen,

We cover you anywhere in Australia, as long as you aren't trespassing, doing something illegal, or disobeying local law enforcement orders of road closures.

In both examples you have listed above, you would be covered.

Cheers

One other thing that I will call out here guys - you wont be covered if you are participating in an event, timed or otherwise. Every insurer will have this exclusion.

Further to this, everyone should check the PDS for the full set of exclusions and conditions. Any advice being provided here is general and might not be suited to the individuals needs.

CHeers

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

One other thing that I will call out here guys - you wont be covered if you are participating in an event, timed or otherwise. Every insurer will have this exclusion.
CHeers

By "event" I'm assuming some form of race/rally, not just anything organised as an event (say the GTG)?

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

By "event" I'm assuming some form of race/rally, not just anything organised as an event (say the GTG)?

Correct, if it is just a group touring (much like what would be arranged by every 4X4 club) that's fine. Race/rally/hillclimb or more relevant to us, tuff truck type events or where a course has been laid out as a test and participation is for any type of reward then this will be an issue.

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

Also, If I want to exclude drivers "under 25" does that mean 25 and under or 24 and under?
This is important as I am currently 25...