Off Road Insurance

[markp90]

Hi guys

Sorry if this has been asked before ( if it has please link me the thread as I cant seem to find one)
but who do you use for offroad insurance?

I just took out insurance through Real insurance who I was with before getting my patrol to find out after going through the pds that they wont cover anything off road, and seeing as my car is still under finance I dont want to risk it.

Who would you guys recommend for insurance that WILL defnitely cover off road.
Im not going to be doing anything crazy its more for when I go out to kakadu etc and have to drive down what are classed as 4wd tracks so i know if anything where to happen my arse is covered.


Thanks
Mark

[Winnie]

Dga insurance give them a call

DIAL-A-TAP

[lorrieandjas]

Hi Mark,

I've been with NRMA, RACV and now with RACQ and they all cover off-road 100% as long as you are on a "gazetted track or road". That is - they won't cover what they term "bush-bashing" - I've clarified this legally as well and as long as the track you are on is mapped and deemed a 4wd track you are covered.

There are some (Shannon's) who cover you for everything I believe but for lower premiums I like RACQ.

Jas

[MEGOMONSTER]

I with Racv and speaking to them bout off roading. They said specifically that as long as the vehicle is a purpose built 4wd you are covered anywhere as long as they deem the incident not to be reckless. But proving reckless driving whilst off road is hard


Never argue with an idiot, cos he'll bring you down to his level, then beat you with experience. Y2K

[lorrieandjas]

But proving reckless driving whilst off road is hard

I agree - I hate ambiguity or "grey" areas in contracts. Hence why I like the "gazetted road" definition. But to be fair I think RACV, RACQ and NRMA are all pretty above-board and I've never had an issue with an insurance claim with any of these. Plus multi-policy discounts and membership discounts make them pretty attractive.

Jas

[markp90]

thanks for the replies guys will start looking into it.

I noticed AAMI cover off roading as long as reasonable precautions are taken, anyone had any experience with them?

mark

[kevin07]

i would not trust aami as far as i can spit they will run for cover bad bad

[Sir Roofy]

thanks for the replies guys will start looking into it.

I noticed aami cover off roading as long as reasonable precautions are taken, anyone had any experience with them?

Mark

mark if you type in katwoman in the search box her threads will come up
go to page 10 and youl see her conversations about your queery off road insureance

[Bloodyaussie]

Dga for me... Alianze is the underwriter.

[Winnie]

Dga for me... Alianze is the underwriter.

Yeah I've been with them a couple of months... Covered for market value plus all accessories. My excess is $1000 less than my previous insurer plus the premium is 400 dollars less per year. Much better coverage too

DIAL-A-TAP

[markp90]

mark if you type in katwoman in the search box her threads will come up
go to page 10 and youl see her conversations about your queery off road insureance

thanks roofy just had a look a good bit of information in there will start to sift through the contenders now lol.

Mark

[Sir Roofy]

thanks roofy just had a look a good bit of information in there will start to sift through the contenders now lol.

Mark

alls good i,ll tell you one thing she,s still trying

[04OFF]

thanks for the replies guys will start looking into it.

I noticed AAMI cover off roading as long as reasonable precautions are taken, anyone had any experience with them?

mark

Yep , and they were really very good in every way when it came to making a claim, i was under the impression i was covered for any off roading as long as its not in any sort of "competition", gazetted rd was not stipulated to me, my crash was on a rd, but its not on google maps, and so i never could find out what its actually called to this day.

[MudRunnerTD]

Yep , and they were really very good in every way when it came to making a claim, i was under the impression i was covered for any off roading as long as its not in any sort of "competition", gazetted rd was not stipulated to me, my crash was on a rd, but its not on google maps, and so i never could find out what its actually called to this day.

Move your Crash then.


Just say'n ;)


I was fording a river in the GQ in the early days and ran off into the deep stuff and put the water above the roof on the drivers side and to the bottom of the glass on the passengers side! Bloody Deep! It got to my Chest inside the car and the dash was below water. Fortunately i have a snorkel and did not stall the engine. I was dragged out backwards and drove it home very wet.

Not a dent in the car. I washed the outside and drove it into the claim centre on the Monday morning. Got out of the car and the assessor walked over and asked what was wrong with my nice clean car. I opened the door and said "She got Wet" I drowned it in the river yesterday.

I got a call at 2:30pm on that same day to tell me they wrote it off. Would i like to buy it back and they have a cheque written out for me. I picked it up and drove it home at 4:30pm on that day with a big cheque.

I re-registered the car 3 weeks later (Big Job!!!) and am still driving it today.

AAMI was Amazing!

[macca]

Through the NSW 4WD association I am insured through TCIS Brokers in Adelaide.
This year Alliance is the insurer and the vehicle is insured "low tide to low tide" that means ANYWHERE in Australia.
The mods and accessories are all insured as well.
Put a 4B on its side a few years back on a unknown / unnamed / unlisted / non gazzetted road and fixed with no issues.

[markp90]

Just called AAMI and took out full comp through them.
They've assured me I'm covered no matter where I am on road or off throughout Australia and that I don't need to be on a named track.

I pay $200 per month which is a little more then my previous insurer but As long as Im fully covered Im happy.

Mark

[Sir Roofy]

Just called AAMI and took out full comp through them.
They've assured me I'm covered no matter where I am on road or off throughout Australia and that I don't need to be on a named track.

I pay $200 per month which is a little more then my previous insurer but As long as Im fully covered Im happy.

Mark

sounds as if your happy with that

NOW YOU GOT ME THINKING ABOUT MY INSURANCE,THIS WOULD BE MORE FOR THE SENIOR MEMBERS 50 +
WHERE WITH A.P.I.A AND FOUND THAT WHERE COVERED AUSTRALIA WIDE ON ANY TRACK ROAD HILL GAZZETTED NON GAZZETTED
ROADS TRACKS AND HALFWAY UP AYERS ROCK IF IT HAPPENED AND THATS WITH ALL MODS OVER $5OO
AND MY MONTHLY PAYMENT IS ONLY $38 AMONTH
SO GUYS AND GALS ITS WORTH A CALL ----------13-50-50
WE HAVE A 3L GU PATROL WITH BULLBAR WINCH--2''LIFT ---ROOFRACK AND A 2 .5'' ZORST AND HIGH FLOW CAT
SO LONG AS YOU DONT ALTER THE MANIFOLD
YOUR COVERED
GOOD LUCK

[markp90]

sounds as if your happy with that

NOW YOU GOT ME THINKING ABOUT MY INSURANCE,THIS WOULD BE MORE FOR THE SENIOR MEMBERS 50 +
WHERE WITH A.P.I.A AND FOUND THAT WHERE COVERED AUSTRALIA WIDE ON ANY TRACK ROAD HILL GAZZETTED NON GAZZETTED
ROADS TRACKS AND HALFWAY UP AYERS ROCK IF IT HAPPENED AND THATS WITH ALL MODS OVER $5OO
AND MY MONTHLY PAYMENT IS ONLY $38 AMONTH
SO GUYS AND GALS ITS WORTH A CALL ----------13-50-50
WE HAVE A 3L GU PATROL WITH BULLBAR WINCH--2''LIFT ---ROOFRACK AND A 2 .5'' ZORST AND HIGH FLOW CAT
SO LONG AS YOU DONT ALTER THE MANIFOLD
YOUR COVERED
GOOD LUCK


Wow $38 a month I can only dream of that price being on my P's still . . . . .

[Sir Roofy]

sounds as if your happy with that

now you got me thinking about my insurance,this would be more for the senior members 50 +
where with a.p.i.a and found that where covered australia wide on any track road hill gazzetted non gazzetted
roads tracks and halfway up ayers rock if it happened and thats with all mods over $5oo
and my monthly payment is only $38 amonth
so guys and gals its worth a call ----------13-50-50
we have a 3l gu patrol with bullbar winch--2''lift ---roofrack and a 2 .5'' zorst and high flow cat
so long as you dont alter the manifold
your covered
good luck

ill bump this up for those that are on the way home

[janderson]

ill bump this up for those that are on the way home

I’m also with apia. 2001 GU TD4.2T. $28.44 per month. Heaps of Modifications & Accessories, 2” lift, 33’s tyres ect.

[macca]

$994 a year for mine, will be ringing APIA next renewal, thanks for the heads up.

I might be old enough LOL

Do you have to be retired to get those prices?

[Sir Roofy]

$994 a year for mine, will be ringing apia next renewal, thanks for the heads up.

I might be old enough lol

do you have to be retired to get those prices?

dont think so mate so long as your 50 young like your dad and me