There is no disputing the convenience of having all of your assets insured under the one roof – if you can get your home, vehicle, contents, caravan, motorbikes and even pets all covered by the same company and receive hefty discounts, why wouldn’t you!?
But your fourbie is not just another one of your possessions. It is your ticket to experiencing Australia in all its glory; seeking out the most beautiful places that are often not connected to a sealed road. Everyday we have more and more people making the switch to Club 4X4 for their touring set-up, even if it means losing some of their multi-policy discounts with their general insurer. Why you ask? Because our product is not comparable in the market that’s why!
To introduce our differences, it is best that we first talk about where we are the same. Club 4X4 offers a comprehensive insurance policy, this is really no different than what almost every general insurer offers for your motor vehicle – coverage for accident, theft, weather events, legal liability cover and so on. But you did not come here to read about coverage that you already have, so let’s talk about the features and benefits that were designed specifically for the 4WD enthusiast.
Where you are covered:
As many of you know by now, one of the biggest difficulties with insurance is getting a straight answer about exactly where you are actually covered. Many insurers will give you their definition of what a gazetted road is (which often varies from one company to another), leaving you with greater uncertainty than you began with. At Club 4X4, we do not hide behind hazy definitions of where you are covered: to put it simply, if you are legally allowed to be there you will be covered in the instance of an insurable event such as an accident or damage -this could be on sand, gravel, private property or even cutting your own tracks! To learn more about our off-road coverage, click here.
How much we will cover you for:
Speaking generally, the purpose of insurance is to get you back to the same position you were in before the incident occurred. When you apply this to the family i30, the market value on your policy should be enough for you to jump back on car sales and take your pick to replace it with relative ease. In contrast, when you apply this to your 2003 GU Patrol with a Brunswick diesel conversion and a dual-cab chop – the market value wouldn’t even pay for the engine conversion let alone the rest! Club 4X4 will factor in the cost of your non-standard accessories and modifications ON TOP of your vehicle value; this way you have a better chance at replacing your setup. For a more in-depth explanation on how we value your vehicle, click here.
Have you ever broken down off-road, only to have your roadside assistance provider tell you that they can only tow you from a sealed road? If you have, you will know that there can be large costs associated with having that vehicle recovered to a sealed road or town. Enter our revolutionary off-road recovery benefit. Under this benefit, every vehicle policy with Club 4X4 comes with a $1,500 allowance towards the cost of recovering your vehicle if you break down or get stuck off-road. For those of us who travel to more remote areas, larger amounts of coverage are available. For a more detailed explanation of this, click here.
Australia-wide personal valuables cover:
Almost every comprehensive policy comes with “personal valuables” cover for items inside your vehicle at the time of loss or damage, however you can only claim on this offering where your items are damaged in a claimable event. So what happens if your camping gear is stolen or damaged while at camp, or out of your rig when parked up? Will your home insurance cover that? With Club 4X4, every policy comes with $2,000 of Australia-wide personal effects coverage so that your contents will be covered ANYWHERE in Australia. This means that if something is stolen or damaged outside your vehicle, you will still be covered. For a detailed explanation of this, please click here.
Choice of repairer:
Over the last couple of year’s we have had some truly one-of-a-kind touring rigs choose to join the club – everything from 6-wheel conversions, dual cab chops, engine conversions and everything in between. Enthusiasts spend too much time and money on their vehicles to have any old repairer get their mits on it! Hence, Club 4X4 gives every policy holder choice of repairer. To read more about this, click here.
There are many other benefits to our product, for more information please give us a call on 1800 CLUB 4X4 or go to our website to see our PDS or to get a quote at www.club4x4.com.au Club 4×4, Insurance for 4×4 enthusiasts.
The insurer is The Hollard Insurance Company Pty Ltd, AFSL No. 241436, (Hollard). Club 4X4 Pty Ltd is an authorised representative of Hollard, No. 1235616.
Any advice provided is general only and insurance coverage is subject to the policy terms and conditions. Underwriting eligibility criteria applies to insurance applications. You should read the PDS available at www.club4x4.com.au to decide if this product suits your needs.