OFFROADSUBARUS.COM

Go Back   OFFROADSUBARUS.COM > Technical Forums > Mods, Insurance, Local Compliance & you

Notices

Reply
Thread Tools Display Modes
  #1  
Unread 19th May 2014, 11:51 PM
NachaLuva's Avatar
NachaLuva NachaLuva is offline
Senior Member / Product Developer
Contributing Member
 
Join Date: Oct 2011
Location: SE Melbourne
Posts: 5,503
NachaLuva is on a distinguished road
Default Who is Your Insurer

Who is your insurer & how have you found their policies? Esp useful is if you have had to make a claim, how cooperative were they?

Some things to note would be:
*premiums
*excess
*coverage
-what roads are excluded (usually any named road or track is covered)
-what mods are covered (we're talking legal mods here lol. No insurer will cover 37" muddies!)
*service
*claims
__________________
SUBIELIFTOZ, QUALITY LIFT KITS FOR SUBARUS
1" & 2" lift kits; custom lift kits; all models
Reply With Quote
  #2  
Unread 20th May 2014, 12:44 AM
Ratbag's Avatar
Ratbag Ratbag is online now
Administrator
 
Join Date: Jan 2012
Location: Bayside, Melbourne, Vic
Year: MY06, MY10
Model: Forester SG & SH
Transmission: 5MT/DR & 4EAT Sports
Posts: 6,213
Ratbag is on a distinguished road
Default

^ Over-Fifty (Allianz).

No claims to date. This is not unusual for me/us, as neither of us has had to claim against our own policies for 30+ years.

We have no cover for anyone under the age of 30 y.o. driving our vehicles (unless stolen by that person; or they are employed at a repair establishment or as a car park attendant).

There is an inexperienced driver excess that applies ($500).

Interestingly, in the PDS there is this:

"6. Unsafe vehicle
being used in an unsafe or unroadworthy condition.
We will not refuse your claim if you can prove
that the accidental loss, damage or liability was
not caused or contributed to by the unsafe or
unroadworthy condition of your vehicle
."

IOW, go ahead and try. "Prove" in this context necessarily implies "Prove in court" IMHO & IME.

There is no exclusion for un-named or un-made roads.

Policy is for an agreed sum that it still around the price I paid for the vehicle about 2.5 years ago.

My trailer insurance is with the RACV.
Reply With Quote
  #3  
Unread 20th May 2014, 02:40 AM
Twinklz Twinklz is offline
Senior Member
 
Join Date: Feb 2014
Location: Perth, Western Australia
Year: 2008, 2009
Model: D22 Navara 2.5 CR ST-R, Impreza R-spec
Transmission: 5 Speed Manuals
Posts: 551
Twinklz is on a distinguished road
Default

Don't have insurance at the moment because I drive maybe twice a month, but lately I've been looking into insurance and Noone will insure my car with the mods I'm considering. It sucks.
__________________
2008 Impreza Hatch, 2009 D22 Dual Cab ST-R 2.5 CR
Reply With Quote
  #4  
Unread 20th May 2014, 04:47 AM
mr turbo's Avatar
mr turbo mr turbo is offline
Administrator and Founders' Friend
 
Join Date: Jul 2008
Location: Sydney, AUSTRALIA & ORS.com
Year: MY05
Model: Forry XT
Transmission: manual
Posts: 6,998
mr turbo is on a distinguished road
Default

Quote:
Originally Posted by Twinklz View Post
Don't have insurance at the moment because I drive maybe twice a month, but lately I've been looking into insurance and Noone will insure my car with the mods I'm considering.
Please say you at least have 3rd party & mean no insurance as in not having full comprehensive.

Regards
Mr Turbo
__________________
We go anywhere & everywhere together as nothing's too hard in a Forry
Some call it Man V's Wild ...but here... We call it Camping
Reply With Quote
  #5  
Unread 20th May 2014, 05:23 AM
Ratbag's Avatar
Ratbag Ratbag is online now
Administrator
 
Join Date: Jan 2012
Location: Bayside, Melbourne, Vic
Year: MY06, MY10
Model: Forester SG & SH
Transmission: 5MT/DR & 4EAT Sports
Posts: 6,213
Ratbag is on a distinguished road
Default

^ +1 ...
Reply With Quote
  #6  
Unread 20th May 2014, 08:33 AM
taza's Avatar
taza taza is offline
Senior Member
 
Join Date: Oct 2010
Location: Perth, Western Australia
Posts: 3,837
taza is on a distinguished road
Default

Deffs get 3rd party. If you hit a bmw or kill somone you'll spend the next 20 years paying off the debt.

Im with RAC for my brumby and its insured for 5k. Costs me about $400 a year, which isnt too bad since I'm 21 years of age.
The foz is insured with Amii as they cover it with all my modifications with a total agreed valve of $8500. I made sure they covered the modifications and accessories. They have photos of my vehicle and kbmnow that I have a 50mm lift kit.
If you want to insure a modified car its hard to do it for a cheaper premium.

With insurance your best to go with a well known company. Not a no name company because if it comes time to make a claim then you want to know that you will be covered.


Note: for all the WA people, RAC does not cover any vehicle with modifications. Only the standard ones like bullbar and spotties.
__________________
Current vehicle - 84 MY Wagon EJ22 4 Speed
Reply With Quote
  #7  
Unread 20th May 2014, 09:53 AM
NachaLuva's Avatar
NachaLuva NachaLuva is offline
Senior Member / Product Developer
Contributing Member
 
Join Date: Oct 2011
Location: SE Melbourne
Posts: 5,503
NachaLuva is on a distinguished road
Default

What do people think about GIO compared to AAMI?

I cant get comprehensive (car is a stat write off due to hail damage). TPFT for AAMI is $304, GIO is $255. Both have $5000 cover for damage by an uninsured driver & a hire car (now where are those tracks lol), both excess $650. Both max cover $4550 for F&T.

In fact, apart from the premium, both seem to be identical incl the quoting system (same parent company?)

Does anyone have any experience with what each is like regarding claims, which really is the whole point
__________________
SUBIELIFTOZ, QUALITY LIFT KITS FOR SUBARUS
1" & 2" lift kits; custom lift kits; all models
Reply With Quote
  #8  
Unread 20th May 2014, 10:12 AM
taza's Avatar
taza taza is offline
Senior Member
 
Join Date: Oct 2010
Location: Perth, Western Australia
Posts: 3,837
taza is on a distinguished road
Default

I went with Amii as they cover all legal mods unlike GIO.... Same with RAC and a heap of others.

Since your 3rd party it doesn't really matter whether they cover the mods or not...
__________________
Current vehicle - 84 MY Wagon EJ22 4 Speed
Reply With Quote
  #9  
Unread 20th May 2014, 05:47 PM
Kevin's Avatar
Kevin Kevin is online now
Administrator
 
Join Date: Jul 2008
Location: Sydney, Oz
Year: MY'03
Model: Forester
Transmission: A/T
Posts: 4,418
Kevin is on a distinguished road
Default

Quote:
Originally Posted by NachaLuva View Post
In fact, apart from the premium, both seem to be identical incl the quoting system (same parent company?)
Yes, Suncorp I believe.

BTW - Both cars insured via the 4WD Assoc group insurance with Allianz. You have to be a member of an association 4WD club. I think it's expensive but then there is the comfort that there is absolutely no doubt about the intention for offroad activity.
__________________
MY'03 Foz AT XS with centre lock-up
MY'10 Triton AT GLX-R 2.5 DiD
www.subaruclub.com.au

Last edited by Kevin; 20th May 2014 at 05:53 PM.
Reply With Quote
  #10  
Unread 20th May 2014, 10:26 PM
NachaLuva's Avatar
NachaLuva NachaLuva is offline
Senior Member / Product Developer
Contributing Member
 
Join Date: Oct 2011
Location: SE Melbourne
Posts: 5,503
NachaLuva is on a distinguished road
Default

Quote:
Originally Posted by Kevin View Post
Yes, Suncorp I believe.
So will there be any differences in how they handle mods?

Quote:
BTW - Both cars insured via the 4WD Assoc group insurance with Allianz. You have to be a member of an association 4WD club. I think it's expensive but then there is the comfort that there is absolutely no doubt about the intention for offroad activity.
Sounds good but expensive lol
__________________
SUBIELIFTOZ, QUALITY LIFT KITS FOR SUBARUS
1" & 2" lift kits; custom lift kits; all models
Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT -3. The time now is 08:35 AM.


Powered by vBulletin®
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.