But Club 4X4 Really Isn’t Any Different…Right?

Over the last few weeks, I have noticed a number of people who seemingly don’t understand the differences in our coverage and seem to think aside from Off Road Recovery, we do not differ to others. This is far from factual and in fact it could be resulting in some people making decisions on their insurance without knowing the full story.

Over the years we have released some detailed and well accepted blogs on the various product features and benefits that differentiate our product from the rest of the market. In an effort to educate, I wanted to compile them all here in one place for everyone to have a read through and share.

Off-Road Recovery Cover – Broke down in a remote area? Bogged and can’t get out? Who would come to help you? Every single Roadside Assistance PDS has an exclusion for off-road. Our coverage will compensate you the costs of arranging a recovery to get yourself out to the nearest  town. Read more here

Geographic Coverage – Some insurers use the terms “Gazetted” or “Non-Gazetted” roads to describe where you will be covered. The issue is who will determine whether where you were was gazetted at the time of claim? And what map will they work off? We don’t use that jargon, we will cover you anywhere unless you’re trespassing, on a closed track or doing something illegal at the time of your claim. Read more here

True Sum Insured – so everyone knows insurers will do a market value or agreed value on your vehicle. But what about your modifications? A lot of people get confused because their insurer says that they will cover their modifications and accessories. Well, if your sum insured doesn’t get increased to cover the fair replacement value of your investment then you’re not covered well enough. Read more here

Portable Valuable Cover – have you ever had Portable Valuables cover on your home and contents policy? Usually it’s there to cover expensive jewellery or watches. In essence you could lose the covered item anywhere in the world and you will be protected,. Well we’ve added a $2000 coverage to every policy that covers you for your portable gear. Think camp chairs, fridges, navigators, tents; and they’re covered whether they’re with or without the vehicle, lost, stolen or damaged. Read more here

Choice of Repairer – Not sure about you but I don’t trust my pride and joy with just anyone. I’ve got my trusted repairers for mechanical, panel and everything in between and I’d always rather have the opportunity to take my vehicle to my own guy for a quote. The majority of our claims go through the claimants chosen repairer. It costs more, but you get what you pay for. Read more here

$180 a day hire car for Theft – Most insurers won’t even give you a dollar limit per day anymore. You can be assured they won’t know how much it’ll cost to get into something with low range either. If your rig is stolen we won’t put you in a hatchback – our daily figure is not only multiples higher than the market it will also get you into a real fourby where they’re available. Read more here

$1000 emergency repairs – hit a roo or just done some damage while on a trip? It may not be bad enough to take you off the road but a little attention to keep you going until you get home can be very useful. We know that modified fourby can cost more to fix so our emergency repairs are a market leading $1000. Read more here

A 12 month complimentary digital subscription to Pat Callinan’s 4X4 Adventures with every 4X4 policy.

Hopefully a few readers get to know a little more about their policy or the quote they may have done with us. Information is power people, ask your insurer if they provide you with the above benefits.

Happy Touring


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Comments 18

  1. the one item that is quite different on my insurance policy to yours. is that with mine I get unlimited windscreen repair or replacement per year. where as your policy is very limited in this regard.

  2. Hi Kalen,

    I have a policy with your company for my 2015 LR Defender 130, Rego.: SW 878 and Policy no.: 4×4094682.

    My query is in regards that I have just signed up to a tour with a New Zealand based tour company, that will take the car out of Australia, namely a tour from Vladivostok in Russia to London in the UK, via Mongolia and the ” Stan ” countries, Lithuania and all the EU countries in between there and Great Britain. I have not decided yet whether it will be shipped back to Australia in a sea container from the UK or I might very well drive back again to Vladivostok and have it shipped back to Australia from there.
    I, or the car, is covered by a third party insurance by this company during this journey.
    How will this effect my insurance for this car with your company.
    This tour starts on the 5th May 2019 from Vladivostok , finishing in London on the 25th July and the car will be put in a container from probably Fremantle as from about the 1st March 2019. If I do decide to drive back from the UK to the Pacific coast then it could be another month or 6 weeks.
    Await your reply,
    Kind regards,
    André Keune.

    1. Post


      Sounds like an amazing adventure and i wish you all the best (and ask that you share some photos with us!!!)

      Unfortunately our coverage is only for within the bounds of Australia and not while it is in ocean transit.


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  3. Well thanks for explaining that after I left you due to a 60% increase in my policy. Had I known all this my decision may have been different

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  4. This is why I choose to insure with you.

    A57% premium increase is why I am thinking of leaving.

    My already higher cost is about to go up by over $200 per month

    1. Post

      Hi Phil,

      Understandable. Have you shopped around and checked what you get for the $ elsewhere. Ultimately if the price at renewal for all of the above benefits is not reasonable then unfortunately as a consumer you will choose to leave all of the benefits behind and go with another insurer.

      I am happy to discuss more and unpack the difference if you like


  5. ” Our coverage will compensate you the costs of arranging a recovery to get yourself out to the nearest sealed road or town. ” So who determines whether you get dropped off at the nearest sealed rd or town. Example you break down and you get taken to a sealed rd near a roadhouse yet the nearest town is 300klms away. Would Club 4×4 pay to get the vehicle to the town or would the insured person have to pay the cost from the roadhouse to the town.

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      Hi Mark,

      The wording is to to “whichever is closest”. So in your example above the sealed road near the roadhouse is closer so that’s where we will reimburse your recovery to.



  6. Hi Kalen, thanks for the reassurance as to the extended cover you provide in your brief article above. For many of these reasons I recently moved my Land Rover Defender insurance policy over to you guys.

    I just have a couple of queries as to this statement, “we will cover you anywhere unless you’re trespassing, on a closed track or doing something illegal at the time of your claim.”

    Trespassing: often in remote Australia roads driven by the public cross through huge private properties the size of nations. How does your cover work in this scenario, whereby one might be inadvertently trespassing?

    Closed Track: on a number of occasions a track had been closed, unknown to me, due to a storm etc, whilst I was already out on the track, travelling or camping. I’ve driven back on the now closed track, unaware it had been closed. If one should have an incident in that situation, would one be covered?


    1. Post

      Gday Jon,

      Thanks so much for the business – it’s greatly appreciated.

      There will need to be a reasonableness test applied in determinations around closed tracks and trespassing.

      Trespassing – yes you’re right – the property sizes are vast and sometimes you may inadvertently be somewhere where you shouldn’t. My simplistic view is that if in speaking to a property owner we can ascertain there was a sign at a gate that would be a significant contributor to how we deal with your claim. Unfortunately there are too many variations for what could go wrong here so to covr all possibilities is hard.

      Closed track – good call – lucky we can contact local rangers or NP to determine exactly what day and time tracks were closed.

      Hope that helps.


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      Gday Craig,

      Assume you mean when doing it online? You can – they last 30 days and you can email it to yourself or on the phone we can give you a quote number.

      Hope that helps


  7. I’m looking at updating my insurance right now. I’ve seen over & over that your premiums jump up by 50% – 60% after the first year. Why is that?

    Do you offer 3rd party, fire & theft??

    1. Hi Matt, thanks for reaching out. Why premiums change is a good question. There are a lot of reasons they can and have changed over time, and individual experience will vary as there are many people who have had their premiums go down as well, and a lot of factors that affect pricing. What I can say is that there is no deliberate premium increase built into our product, and with the experience we’ve gained over the last 5 years, we are more confident in our pricing than ever.

      Unfortunately we only offer comprehensive cover at this time,



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