When am I not covered – Issue 5

One of the things we get asked all the time at Club meets, shows, on the phone and online is, “What am I not covered for?” Over the next few weeks, we will be compiling a series of short articles to help you understand a bit more about the exclusions in your PDS.

Please be aware, these articles focus on the major issues and should not be viewed as a substitute for appropriately looking through your PDS before deciding to take up coverage with Club 4X4.

This time around we will focus on some general exclusions to the policy, which are quite similar to many you will find in any PDS. Nonetheless, it is still important to break these down, as the ultimate goal is to ensure that you, the customer have a sound understanding of your policy. What we discuss in this article can be referenced back to page 19 and 20 of our PDS.

Here are some more key areas to familiarise yourself with upon quoting and purchasing a comprehensive motor vehicle policy with Club 4×4:

You are not covered for loss, damage or legal liability:

  • Caused by the use or accidental addition by any person of incorrect fuel. To put it plainly, if you or anyone in possession of your vehicle is daydreaming at the bowser and pumps your Diesel tank full of E10, any damages that result from this will not be covered. However, the key phrase in this exclusion is incorrect fuel. You will notice that there is no wording surrounding contaminated fuel or ‘dirty diesel’ as it is more commonly referred to. Hence, if you pick up a bad batch of diesel whilst travelling remote and it causes damage to your engine, you will be covered!
  • That occurs outside Australia. This one is very self-explanatory. But to elaborate, even though places such as Fraser and Moreton Island are not on the mainland, they still identify as being part of Australia and therefore you will still be covered; including transit to and from.
  • If intentionally, deliberately or maliciously caused by you or a person acting with your express or implied consent. This relates to a term that we cringe to hear in the insurance industry and that is the ‘F’ word – no not that one, the one we are referring to is FRAUD. Any loss or damage deliberately caused by yourself, or an individual who had your consent, will obviously not be covered. Furthermore, as I am sure you have probably guessed, if a fraudulent claim has been identified we have the right to refuse to pay the claim and treat the contract as if it never existed. We will also report the case to the police for the relevant criminal charges to be laid.
  • Arising from the seizure, impounding, sale or destruction of your vehicle by any law enforcement or government agency. If you mistake a 5-minute zone for a 5 hour zone and come back to see your beloved 4×4 has been replaced by a Commodore, we will not cover any damages that may occur from the seizure or impounding of the vehicle.
  • In the event of the breach of a contract or an obligation under a contract. This one is quite broad but can relate not only to the contract you enter with us, but also a contract that involves the use of your vehicle. This links back to the prior clause also, where there may be a repossession of the vehicle should there be a breach of contract. Any damages that result from your breaching of a contract will not be covered under this policy.
  • Caused by military power, rebellion, revolution, an act of terrorism, war or war-like activities or any looting or rioting following these occurrences. Not one to really joke about given the current world circumstances, this is a generalist clause found in almost every personal insurance product across the globe. It’s pretty self-explanatory so we’ll leave it alone.
  • Caused by any radioactivity, nuclear fuel, waste or other nuclear material, nuclear weapon, detonation or explosion or any looting or rioting following these occurrences. Much like the above exclusion, topical in today’s world, but self-explanatory in its wording and applicable in almost every personal insurance product across the globe.
  • For payment of fines, or punitive, exemplary or aggravated damages awarded against you or the driver of your vehicle. That’s right, at some stage someone must’ve tried to claim that errant parking fine they got in a 1 hour zone because their rig was too tall for that underground car park! All jokes aside, fines as well as any damages awarded against you or the driver of the vehicle are not covered under this policy.
  • To sign writing, sticker, vinyl wrap or any type of advertising material on your vehicle. We have seen some weird and wonderful artwork on our customers’ vehicles. Just be aware that if an area is claimed on that has artwork in the form of a wrap or paint, we will get that area repaired back up to scratch but will not pay to have the wrap or artwork redone. Our GM is very careful with the brush bars on MobileHQGU, let’s just leave it at that!

So there you have it. If you have any questions or thoughts, feel free to comment below.



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Comments 7

  1. Strangely, I really look forward to the ‘Camp Fire’ emails from my insurer and I enjoy reading your articles… keep it up.

    1. Post
  2. For one who finds insurance a difficult topic to appreciate. I would like to say your regular articles on this topic are easily understood by me. When the next newsletter comes in I look at your article on insurance the first. Thank you guys. Rob

    1. Post

      Thanks for the word of encouragement Rob.

      We pride ourselves on being different, this includes openly communicating what we do and how we do it. The Insurance world has too long been a “black hole”. When you pay to have your investment protected you shouldn’t have to guess about what you will get.



  3. You definitely put much effort into deterring prospective Customers , instead of attracting
    & making us feel welcome!
    In addition, I was surprised to note- your Products appear to represent average to poor value-for-money. Very disappointing . When your Site popped up in a Search I conducted,…I was sure I’d found THE Right Insurer for my recent Caravan & 4×4 purchases.
    Until…..I started reading.

    1. Post

      Hi Ela,

      We would be VERY keen to hear more about what your issues are. We are proud to have made changes to our product based on market feedback and that process will never stop.

      Your feedback is incredibly important. Please feel free to respond here or send an email to contactus@club4x4.com.au and attention it to Kalen Ziflian

      Happy Touring


  4. Pingback: When am I not covered - Issue 6 - CLUB 4X4

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