Photos article Campfire

The REAL reason we ask you for photos of your fourby…

We may have told you that we need to see photos of your vehicle to determine your insured value, but that is codswallop – we just like sitting and looking at photos of custom trucks all day! But in all seriousness, read on to see why we sometimes ask you for further information at the quote stage.

You may have realised at this point already, that Club 4X4 do things very differently to your run-of-the-mill insurer who may currently take care of your house, pet and boat insurance. The reason for this is because we ARE different. Our mission is to be the insurer of choice for the 4X4 enthusiast, be an advocate for the industry that supports us, and to protect the lifestyle of those who like to tour the dirt roads of this great country. We achieve this through our market leading coverage which includes true off-road cover, Australia-wide personal effects coverage and our signature off-road recovery cover for when your roadside assistance provider doesn’t want to get their tow-truck’s tyres dirty.

In addition to these benefits, another reason that many of our customers swear by us is that we actually factor in the cost of your touring accessories and modifications and insure these ON TOP of your vehicle value. This means that in the unfortunate circumstance that your pride and joy is stolen or written off, you are not only covering yourself for what the stock vehicle is worth but also for the money that has been spent on customising it to your requirements. However, in order to do this, we may need to see some photos of your rig with a list of your accessories and modifications to justify the amount that you have requested (and to drool over your truck…).

Now, to the topic that has confused many customers over time – we ask you to place an object somewhere on your vehicle that is visible in each of the requested photos. At first glance, this may seem to be a strange request to many people (some customers have actually asked if we are having a go!), but stay with us – this is our way of verifying that the photos we receive are current, as opposed to photos taken prior to our conversation. The object can be as simple as a hat or a water bottle so long as it is the same one in each photo. See an example here. On a side-note, we have realised we have an extremely creative customer base with all manner of objects being used – we even had one gentleman strike some… unique poses whilst holding today’s newspaper!

But why does it matter when the photos were taken and why do we ask you to place the same object in each of the photos? Unfortunately, not everyone is as honest as others and can look to benefit from their insurance through fraudulent activity. For example, if someone is trying to insure a vehicle to claim dishonestly on damage that already exists, they will be unable to provide us with recent photos including an object in them without revealing the pre-existing damage. Furthermore, if your vehicle is highly modified, the chances are that we will insure it for way beyond what its worth on the market (and what other insurers will cover you for!). Given this, the photos represent overall condition and some oversight of the accessories and modifications, which go hand in hand with the list we ask for in determining what we can cover you for.

It’s important to note that not everyone will be asked for photos to get a quote, but if you are asked to provide them, it will be due to one of the reasons provided below:

Pre-Existing Damage:

  • One of the questions we ask through the quote process addresses pre-existing damage. You can still take out cover with us if your vehicle has minor damage so long as you declare it at the quote stage. We will ask you to provide us with photos so that we can assess the suitability of the coverage to our conditions of cover. In some cases, we will note the damage on the policy so that if that area is damaged in an incident, we can factor this in to the figure paid out. If the damage is significant, we may advise you that we are unable to cover the vehicle until this damage is repaired.

Accessories/modifications value:

  • If your accessories/modifications amount takes up a significant percentage of the insured value in total, you may be asked to provide us with photos and a list. For example, if you have purchased a GU Patrol for $30,000 and then spent a further $20,000 getting it chopped into a dual cab we would ask you for photos and a list to justify the amount. If it all checks out we can cover you for up to $50,000 in this situation!

Dollar value of your accessories/modifications:

  • This is similar to the point above but takes into account the actual dollar amount of your extras, as opposed to their percentage against the vehicle value. So for example, if your 200 series Landcruiser has a market value of $90,000 and you have the full touring fit-out for around $30,000, even though it is not a huge percentage of your vehicle value it is still a significant dollar amount – hence we will ask for proof. We feel it is pretty reasonable to verify that amount before agreeing to cover the amount as the reality is that most insurers would think you are a lunatic, ask you what a GVM upgrade is and tell you they can’t cover you for that much!

Age/value of vehicle:

  • Spotting a clean 80 series Landcruiser or GQ Patrol is becoming increasingly rare! This is due to the simple fact that with age, most things deteriorate. For this simple reason, if your vehicle is around 20 years old you will automatically be asked for photos just to ensure that it is still in an insurable condition. We are not denying the quality and reliability of these old trucks, we just need to make an accurate assessment of their insured value. Remember – this can work in your favour if you have taken good care of your truck as we will often be able to provide you with a sum insured higher than you will find elsewhere.

So there you have it, hopefully this has cleared up any confusion you may have has surrounding our processes at the quoting stage. The main message that we want you to take away from this is that receiving this information allows us to make an accurate assessment of the vehicle’s replacement value (mods and all!) so that we can ensure that you pride and joy is being covered for its true value.

Until next time,

Happy Touring!

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Comments 32

  1. Michael Benson

    The only reason I havent been to all the trouble of taking photos of my two 4wds and getting someone to upload them to send (because I am not computer savvy) is for a start all I want is a rough price on insurance. I can go to all this trouble filling out the form listing the extras etc but all I want is a price. If you give me a price I am happy with then I go ahead and prove everything with photos. But if you come back and tell me its going to cost $5000 per year then I have wasted my time and effort.
    Sorry ,but this is why I have reinsured with the same company. You guys are just making it harder to get a quote than it needs to be.

    1. Kalen

      Gday Michael,

      Appreciate your opinion – this isn’t the first time that this has been brought up.

      Our policy is very different to other insurers, as such, our processes will be different. When we are looking to potentially insure a setup for significantly more than it is worth on the open market, we need photos. If the vehicle is older than a certain age we will need that too.

      Sorry it didn’t work out for you.



    2. Simon

      Hey Michael, just something to think about – yes it took a bit of time to do the photo’s (not that long actually though), but it’s worth it.

      My previous specialist 4WD insurer covered car + accessories, but my rig’s a bit older, and when I asked how much is it covered for in total, well lets just say I * thought* I was well covered, but sure as hell wasn’t. I couldn’t buy a clean stock example of mine for the coverage, let alone the mods.

      It’s now with Club4x4 covered for a much more respectable amount.

    3. Rob

      Same here mate. I renewed with Shannons, they did not require any photos, just a list of accessories and the mods I had done to the truck. Easy as compared to your company who wanted photos from back, front , left and right as well as internal photos.ALL TO HARD

    4. Andrew

      same again here. I was just after a price & didn’t have the time to stuff around with photos. All you guys need to do is to give a quote on the requested figures with the big proviso of the photos being acceptable prior to a policy being offered and I’m sure you will get a lot more business if the prices are as reasonable as other owners have said. In the meantime, I also simply renewed my agreed value policy with Shannons.

    5. Rod Timbs

      Hi Guys I noticed a few emails stated a few people renewed with other companies , pretty short sighted for the sake of sending a couple of photos . I was with Shannons and left them to go with Club 4×4. When you read the fine print [ sometimes not so fine] from other companies you find they are usually more expensive , don,t cover the full cost of your accessories, no offroad recovery , more costly excesses, vehicle valuations lower with some companies and with Shannons they only offer new for old for 12 months instead of 2 years. For all these advantages its not a lot of effort to email a couple of photos , you guys even gave me number so I could text you the pictures as I ,m not that computer literate

      1. Ray Laidlaw

        You are right there Rod, not much effort for a big peace of mind. I agree with all you said. It is so much easier to sleep at night when travelling very remote areas and know if the shit hit the fan you are fully covered. I recently upgraded my veh mods and no company would look at me over about 30k. My wife sent in a few photos and a detailed list of the many accessories and received cover for 95k. The extra cost of insurance ( about 1/3 ) was well worth it for 3 times the veh value plus I’m I am covered virtually any where. No brainer.


    I applied for a comprehensive cover on my 2002 ML 270cdi Mercedes and my 2015 Rough Rider camper with Club 4×4 about two months ago.
    I sent a lot of photo’s of both vehicles, and a copy of my current GIO policy for the camper, but i only received a quote for the ML and not for my camper.
    I did send you emails asking for the camper quote.
    I waited unit until the policy due dates and renewed with GIO

    1. Kalen

      Ahhh Clive – that’s really disappointing. I will follow that up to find out what went wrong and ensure processes are adjusted to ensure no repeats.

      Please accept my apologies.



    I applied for a comprehensive cover on my 2002 ML 270cdi Mercedes and my 2015 Rough Rider camper with Club 4×4 about two months ago.
    I sent a lot of photo’s of both vehicles, and a copy of my current GIO policy for the camper, but i only received a quote for the ML and not for my camper.
    I did send you emails asking for the camper quote.
    I waited unit until the policy due dates and renewed with GIO

  4. Jon May

    Dear Sir,
    I sent photos and accessories list two/three weeks ago and have heard nothing since. We are off to Cape York at the end of the month and want to get this sorted long before we go.
    Can you assist please?

    Jon May

  5. Colin

    I have insured with you my 80 series LC, sending photos to prove vehicle was in good condition was no problem, I am 70 yrs old and didn’t even need an 8 yr old to show me how, took all of 10 minutes. Your quote was very competitive, even the extra drivers were not a problem. good valuation, higher than any other quotes. Cruiser now at top of Cape Yorke, all good.

  6. Jamie

    Hi Rod,
    You may think that Club 4X4 are great now, but wait till you try to make a claim. I had a garbage truck owned by one of the major contractors in Australia run into my car and break my taillight. I supplied Club 4X4 all the details from the driver, but it’s been a month now and I am still waiting for it to be fixed and can not be given a date for when it will be. If it’s this hard to get a ‘not at fault’ claim of a broken taillight fixed when in Sydney, I’m not very confident if next time I’m in the Outback. Don’t be like me and fall for the slick marketing, Club 4X4 are like all insurance companies, good at taking your money but not good at paying out. I’ll be looking elsewhere for my next policy.

    1. Kalen


      I have had my team look at your claim and give me a summary of activity. The reason why things have taken longer than usual was because we were waiting on you to provide us some required information. At the same time there is a liability issue as the truck driver has a different version of events.

      Regardless, you will be contacted today regarding this and the next steps.



  7. Kevan Harding

    What if your already insured with you and you carry out more modifications and accessories.

    Where do you stand ?

  8. Vince Hebbard

    I have 2 vehicles insured with Club 4X4 and I’m happy with my policies.
    But I thought that two words used by Rod (above) – “short sighted” and “not a lot of effort” could be equally applied to Club 4X4 in its approach to possible new business.
    Rather than wishing possible new clients “all the best with their current insurers” (above), perhaps Kalen could explain why a quote could not be given to a possible new client based on the information they provide, of course advising that the issue of a policy to that effect is subject to the relevant photos being supplied before a policy would be issued.
    It seems to me that if that approach were adopted it could result in a win win situation. The new client likes the proposed premium and goes to the trouble of supplying the required photos and Club 4X4 gets some new business.
    Some of us old codgers have difficulty with modern technology (getting photos of our vehicles out of a device and down the net to the insurer) and this approach would sort out the willing from the not interested.

    1. Kalen

      G’day Vince,

      Firstly thanks very much for the business and entrusting us with your vehicles.

      The simple answer to your question is that reviewing of photos and a list is part of the underwriting process, which ultimately results in a premium and offer of coverage. It’s important to note that not every single quote will require this, generally this will occur where the vehicle is either an older vintage (where it’s important to gauge condition) or it has a significant modification value that the potential client wants to add to their sum insured. In the latter case, condition is just as important as having some photo representation of the visible modifications and accessories on the vehicle.

      It’s all about determining the value we will allow and the premium we will charge. Whilst we understand that this may be challenging for some, it is our process at the moment unfortunately. I am always ears on how to make things easier but the sighting of photos and a list unfortunately cannot change for now.

      As you would know Vince, adding such values to the sum insured of a vehicle is not something that you need to twist our arm to do – this is our every day process. Given this, the processes we need to employ will be different to a mainstream insurer.

      With regards to your quote of my prior responses – i can see that that may have been read incorrectly. It wasn’t suggestive or with any connotations and i apologise if they were received that way.


  9. JWinters

    Are you kidding me?! I’d take any excuse to show off my fourby. Unless i’ve got some pre existing damage to hide that i want to cover and claim for in the near future then i’d make any excuse just to not send recent photos of my truck. computer literacy is the most common and easiest excuse to make up. when you to think of it most 4wd owners show off and upload their adventure trips on social media such as facebook and youtube then they make excuses that they are computer illiterate, huh. only fair dinkum blokes should be with club 4×4. Let’s see if shannons can recover your truck in the middle of simmo, gibb river rd or the creb track for that matter.

  10. Neil Buttigieg

    Hi guys. I went through all the trouble of sending you about 8 photos of my prode and joy tp put on my file amd you haven’t replied to me which O find a little rude.
    Wandering if you received them

      1. Kalen

        Hi Neil,

        I believe one of the team has not made contact with you. If you have any other questions feel free to contact us.


  11. Ray

    I was the opposite, trying to get a quote from shannons was a pain. They wanted a number for the to call me back on which I left then when they called they didn’t so fro a private number and wouldn’t leave a return number to cal. Club4x4 took my details online, emailed me and asked for a full list of mods and costs then emailed again to ask for the photos and then sent me a quote. All I had to do then was call them back and sign up, photos took me about 2 mins to do including sending the email.

    1. Kalen

      Sometimes thing get changed or go wrong with any service provider Ray. In Any case, glad we were able to give you the service you were after.


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