FAQ
Any questions for us?
Need something cleared up? Here are our most frequently asked questions from customers and fellow adventurers.
Policy Information
Our policies are underwritten by QBE Insurance Australia Limited, (QBE). As an authorised insurer, QBE Insurance Australia Limited is regulated by the Australian Prudential Regulation Authority. QBE Insurance Australia Limited is also a holder of an AFS Licence and is regulated by the Australian Securities and Investments Commission.
Yes, all of our insurance products include a 14 day cooling off period. During this period you can cancel your policy and receive a full refund (less any taxes or charges we are not able to recover) unless you have made a claim.
All regular drivers should be listed on the policy. A regular driver is one who drives the vehicle more than twice a month
We offer both agreed and market value policies to suit your needs. Depending on various criteria we can explain the differences between these policy types so you can understand your options and decide which cover best suits your needs.
Unless we tell you otherwise, we will automatically continue your cover on the terms contained in the renewal information we send you. We will send this information to you at least 14 days before your insurance is due to expire. Our renewal offer will include any changes that we have made to your policy. If you do not wish to renew your policy, please let us know.
You can reduce your premium by paying your premium in an annual lump sum, increasing your basic excess or excluding drivers from cover.
Simply head to our secure payment portal. Enter your policy number and email, then follow the prompts to update your payment information.
Coverage Explained: 4WD, Caravan & Camper Trailer Insurance
Club 4X4 offers separate comprehensive insurance policies for 4WDs, camper trailers, and caravans. Coverage typically includes accidental damage (whether caused by you or someone else), protection against theft, vandalism or malicious damage, and up to $20 million in legal liability cover.
Yes, Club 4X4 specialises in providing insurance for 4WDs, camper trailers, and caravans both on-road and off-road, wherever you're legally allowed to travel in Australia. We understand the risks that come with exploring rugged terrain and remote destinations, which is why our cover is designed to go beyond the bitumen. Whether you're towing through the outback or taking your 4WD through technical tracks, you can explore with confidence knowing your vehicle and setup are covered when the road gets rough.
Every 4X4, Caravan and Camper Trailer policy includes $1,500 of off-road cover automatically included. You also have the option to increase limits to $5,000, $15,000 or $30,000, suiting even the most remote travellers.
If you're involved in an accident that we agree is the fault of a third party, and you can provide the required details (such as their name, address, and registration), we’ll waive your excess. This benefit applies to all vehicles we insure, including 4WDs, camper trailers, and caravans.
Full details, including eligibility requirements, are set out in the Product Disclosure Statement (PDS).
Yes. If your 4WD, caravan or camper trailer is less than 24 months old and you’re the first registered owner, we offer a new-for-old replacement if it’s written off in a total loss claim.
Yes. If your caravan or camper trailer is damaged and becomes unlivable while you’re more than 100km from home, we’ll cover the cost of alternative accommodation. You’ll be reimbursed up to $150 per day, capped at $2,500 per period of insurance. This benefit helps you stay on track, even when things don’t go to plan.
Modifications, Accessories & Gear
Your modifications and accessories are covered, as long as they’re listed on your policy. Many adventurers customise their 4WDs, caravans or camper trailers with additions like lift kits, bull bars, and upgraded suspension. Because these extras add value and aren’t covered by default, we offer the option to include them in your agreed value. It means your setup is insured the way you’ve actually built it, not just how it rolled off the factory floor.
Yes. Club 4X4 offers optional cover for personal effects like portable touring gear, including camping equipment and fridges. This cover applies regardless of whether the items are with or away from your vehicle.
Claims
If you need to lodge a claim for an accident, loss, or damage to your 4X4, camper trailer, caravan or slide-on camper, here is the claims process:
- Call our claims team on 1300 296 296 during business hours (8.30 am to 5.30 pm AEST) to lodge your claim.
- Provide your policy number, details of the incident and any photos you have, along with the details of your chosen repairer.
- Our team will review your claim and take any necessary steps.
- We will contact you to discuss the status of your claim, and next steps (if applicable).
When lodging a claim, you will need to provide the following to the team:
- policy number
- details of what happened
- and details of any other people or vehicles involved, such as other drivers or witnesses and registration numbers
- any evidence or photos you may have
An excess refers to the amount that you contribute towards a claim you make. Your excess will be determined by your individual policy terms as well as the circumstances of your claim.
Example only: If your excess is $750 and you make a claim for $4,000 in repairs, you'd pay the first $750 (your excess amount), and your insurer would cover the remaining $3,250 (subject to individual policy terms).
At Club 4X4, if you have an accident that is completely the fault of a third party, and you can provide the required details, we’ll waive your excess payment.
Every claim is different. Simple claims like windscreens can be sorted quickly, while more complex repairs may take longer. Either way, we’ll keep you in the loop the whole time.
If someone makes a claim against you or you receive any correspondence about an accident you have been involved in, call us as soon as possible. Our experienced claims team will then be able to help you take the next steps.