Originally posted by Spilsy
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Last edited by SimpleSi; 08-01-2016, 03:03 PM.[SIZE=1]2010 150 GXL Ebony Diesel | ARB Delux Bar | ARB Bashplates | GME 3450 UHF | Bilstein/Dobinson lift | SA LED Lighting 185W Spotties | Bridgestone D697LT | Wet Seat covers | LeighW's Voltage booster | Tin75 Pet barrier | 3D Mats'n'boot protector | Onboard ARB CKMA12 Compressor | Rhino Pioneer Platform | Roadsafe Recovery Points | Airtec Snorkel[/SIZE]
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Originally posted by Vaelen View PostHi 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?
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
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Originally posted by SimpleSi View PostSo 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?
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?
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Originally posted by Spilsy View PostFrom 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.
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Originally posted by SimpleSi View Post"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?
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Originally posted by Spilsy View PostI 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.
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Originally posted by nanbar View PostI have taken the plunge and used Club4x4 as the prices are too good to refuse.
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?Spilsy
Today is the tomorrow you were shitting yourself about yesterday - Billy Thorpe
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Originally posted by Spilsy View PostIs 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?
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
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Originally posted by Club 4X4 View PostHi 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
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.Spilsy
Today is the tomorrow you were shitting yourself about yesterday - Billy Thorpe
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Originally posted by Spilsy View PostThanks 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.
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.
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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...
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Originally posted by Club 4X4 View PostHi 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
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
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Originally posted by Club 4X4 View PostOne 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.
CHeersLast edited by Spilsy; 12-01-2016, 08:35 AM.Spilsy
Today is the tomorrow you were shitting yourself about yesterday - Billy Thorpe
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Originally posted by Spilsy View PostBy "event" I'm assuming some form of race/rally, not just anything organised as an event (say the GTG)?
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