So it’s Christmas and a lot of us will no doubt be getting some hard fought accessories for our 4x4s. In all the excitement however don’t forget to add any substantial purchases to your insurance policy so you’re covered in the event that everything goes south!
Why we recommend Club 4×4
One of the key differences with Club 4X4 is the way they value your vehicle.
Sure they have Market and Agreed value available just like most other insurers but once they have determined the value of the vehicle itself you can ask to then look at the modifications and accessories added.
It’s all so easy to spend big dollars on accessories to ensure it’s just the way we want it but it’s important to have a good think about it so the value of the vehicle also includes the value of its accessories. This is Club 4X4 Value.
We insure our vehicle with Club 4×4 and even though there are a lot of other insurers out there we think their Club 4×4 value policy covers us the best for those times when you might need it. If you’re not sure what is covered by your policy then you really should find out.
Club 4×4 have put out a market guide which outlines 5 important points to consider when talking insurance.
If you want to see what makes them different to other insurers then take a look here.
No matter who you insure with you are always guaranteed to cop some negative feedback. There are many reasons why this happens and, more often not, if a claim is denied by your insurer I’m sure there is a good reason for it.
These are the reasons listed by Club 4×4
1) Misrepresentation – The questions that are asked of you when you do a quote are incredibly important. They allow us to determine whether we can insure you under our guidelines and if so, what premium we need to set. If we would have knocked you back during the quote having had the full information and we find out at the time of claim that the information was wrong, is it right to expect to get paid? And should everyone else have to fund that potentially claim? The main culprits are previous claims and driving offences, so if you’re not sure, get the facts and give us a call to get it right.
2) Doing something illegal – hooked up the snatch strap to the ATM at the local servo hoping for quick score? Well your claim isn’t going to get very far. Any claim made whilst undertaking any illegal act will be denied. This includes trespassing and going into closed tracks or closed roadways.
3) Not adhering to license conditions – Different states have different rules, but younger drivers on provisional licenses have conditions on their licenses that stipulate when they can drive and who they can have in the car. Roll the ‘Lux at 3am with 4 mates in the car and on P Plates – we certainly hope everyone is OK, but there will be issues. Others have medical conditions that necessitate prescription medication or even glasses. Finally, stick to the license class, you can’t drive a Heavy Rigid on a Class C license (nor should you ever try!).
4) Illegal Modifications – So we have talked about this one at length and here is an article that will give further context. Our position on modifications it that it’s on the owner to ensure the vehicle is compliant with the legislation in the state where it is registered. Our position on a claim is that if the illegal modification could have contributed to the claim, then it is likely you will have an issue. Got 3 inches of lift with 35’s and had a rear-ender in traffic, no problem. But did you roll the same rig down an embankment, totalling it – yes you will have an issue. In that specific example the reason is because the increased centre of gravity would have likely contributed to that incident – and that is the key word; contribute.
5) Contributory – if it is deemed that you contributed to the incident, then there will almost certainly be issues with your claim. Left your keys in the car or the doors unlocked and it got stolen? Did all your 12v wiring yourself with incorrect gauge cable and no fuses? Was it shockingly revealed that you rolled your car off a cliff yourself or arranged for it to be stolen and burnt out? All of these are circumstances that could see your claim reduced or refused.
The best thing you can do when applying for insurance is to be upfront. In the case of a claim make sure you’re providing the proper and relevant information so that your insurer can assess the claim.
I think we can all safely say that we wouldn’t want to pay higher premiums because an insurer paid out on illegitimate claims.
If you think you’d like to get a quote from Club 4×4 then click here or on the page ad and it will take you to their online quoting page.
