Which 4x4 Car Insurance that covers offroad?

I am in the process to get a new car insurance that covers all kinds of offroad use and abuse ( ). At current I have an NRMA full comprehensive insurance for about 70 AUD per month. I have received quotes from TCIS (an Allianz reseller) and Just Car Insurance. Both cost about 90 AUD per month covering accessories like bullbar, rearbar, rims and camping gear.

What do you go with and have you had any claims? If so, what was the outcome? Any troubles?
NAVMAN

Posted by: "1mak" at
0
I am in the process to get a new car insurance that covers all kinds of offroad use and abuse ( ). At current I have an NRMA full comprehensive insurance for about 70 AUD per month. I have received quotes from TCIS (an Allianz reseller) and Just Car Insurance. Both cost about 90 AUD per month covering accessories like bullbar, rearbar, rims and camping gear.

What do you go with and have you had any claims? If so, what was the outcome? Any troubles?
.


I am currently researching this very topic.
My suggestion at this stage is to look at the terms and conditions (yes the long boring disclaimers and stuff) and look for wording like gazetted or formed road and used within the manufacturers specifications. These are fairly broad terms that can be interpreted in many ways (often to the insurers will) Most insurers seem happy as long as the car is roadworthy and there is a formed and maintained track/trail/road.

Another thing is even if the car was unroadworthy at the time of the accident (your fault) the defects have to be proven to be a factor in, or the cause of the accident.
So for example if a 6" lift with no swaybars did contribute and you were aware of the defect and the car rolled going around a normal corner at reasonable (legal) speed then expect to have your insurance voided.
Ont he other hand the same mod should not void your insurance if you were sitting at the lights and got rear ended by a truck as it has nothing to do with the cause of the accident.

Happy Wheeling,
Matt
ARGS

Generally agree with the above, with all forms of insurance, always look for the insured events then go through the 'we do not cover' section. if it ain't listed there, as a rule of the thumb you are covered. if in doubt, call them and as very specific questions and make sure you get a specific answer, note the time and date of the call and whom you spoke with. should anything ever happen and they try and back out of cover you can quote it and they will be able to pull the call. If you have that kind of information and you went as far as the obudsman (they would payout before then) you would win every time

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