They say that “Imitation is the sincerest form of flattery” and in the world of 4×4 insurance, we’ve come in, set the scene and watched plenty of the so called “specialists” imitate. But we aren’t precious – the way we see it, the more people out there trying to do the right thing by the 4WD community the better.
What does grind our gears a little though is when the competitive landscape lends itself to the spreading slanderous and incorrect information, telling porky pies and generally finding ways to sling mud (and not the affectionate type you can deal to your mate going first up a muddy trail!). We liken it to watching a boat sink. The inexplicable feeling watching a defiant captain screaming abuse until that bubbly, boiling moment when the bow completely disappears under the briny water.
The positive is, we’ve got their attention. This means our product is doing the right things and is truly suited to the needs of the 4X4 Enthusiast. In fact, at the rate we are growing it was only a matter of time until that boat we mentioned earlier got scuttled anyway!!
So if you haven’t heard the fake news, here’s a few quality tid-bits of information getting around about Club 4X4 that are NOT true!!
1) Hollard manage their claims – and just look at the Google and Financial Services Ombudsman reports!
We definitely do not hide our relationship with Hollard, in fact we are proud to have them on-board as our partners. After all, if all underwriters were the same we wouldn’t have such a unique product! As our underwriter, Hollard provide us with the backing to deliver our product, the way we want to deliver it. In fact, other than providing us with said backing, they do not get involved at all! You see Club 4X4 is an Underwriting Agency – as such we have complete and full control over all operational facets of our business. This includes everything from systems and pricing, to product development; right through to claims administration, repairs and salvage. If you want to know what our service is like – search Club 4X4 review, not Hollard. In fact, in this article you will see where our customers rank us in terms of a “Net Promoter Score”. The next highest score we observed was from an insurer who specialised in pensioners and their score was 8% – compared to our 88%! Yes – 88% of our responding customers said they would gladly recommend us to their friends and family.
2) They will do everything they can to get out of paying a claim
This one is usually a late night Facebook post that gets screenshotted and sent on to us by industry friends and customers, usually accompanied by the comment “have a go at this guy”. This is not to make light of issues, as there will always be cases where things go wrong and we need to learn – and we have and continue to do so. We have processed and managed thousands of claims and as we noted in the above point, perform much higher than the competition both from a sales and claims perspective. Ultimately, you’re paying to be protected and taken care of when you buy a policy – and that is what we will always be here to do. We’ve written and distributed multiple blogs about the importance of disclosure and the effect it has on your policy. Ultimately insurance is a contract, so make sure you understand and answer the questions that preclude the offer of the contract completely and factually! Any insurer who would not have covered you in the first place had they known all of the information, will NOT pay your claim! It’s that simple!
“The next highest score we observed was from an insurer who specialised in pensioners and their score was 8% – compared to our 88%! Yes – 88% of our responding customers said they would gladly recommend us to their friends and family.”
3) We cover your accessories and modifications too! We do!
Every day we have customers joining the club because we provide a true sum insured. We get it because we are fourby enthusiasts and we spend money on our setups too. The thought of investing half of what the car is worth is never an issue, but the risk of losing it all on a track or to some dropkick who decided they wanted it more than us is downright scary! With a membership to Club 4X4, your financial coverage will be the most comprehensive available on the market – full stop. If your current sum insured is no more than what the truck is worth on the open market, you’re under-insured – don’t believe the lies, give us a call.
4) Yes yes, we have $2,000 camping gear cover too
They really don’t think much of the 4X4 community do they? The number is flash, but it’s so hard to find more information about this coverage. Every policy you purchase with Club 4X4 has $2,000 worth of Australia Wide Personal Effect Cover. Whilst there are some restrictions like legal tender and iPads, what you get with this product is coverage for your portable valuables. Things like photographic equipment, sunglasses, tents, portable fridge’s, camp chairs – you name it. Whether they’re with the car or not! Have a really close look and ensure you’re getting what you think you are – no one can compete with our coverage – full stop.
5) We offer off-road recovery too!
This one always makes us smile. You see, any insurer has a responsibility to recover a vehicle from the scene of an accident, if the accident occurred somewhere where they will cover you to be. So first things first, check if you’re allowed to go cross country with your current insurers – because at Club 4X4 we don’t believe in words like “gazetted” and “non-gazetted” – they’re insurance terms created by cardigan wearers. Our Off-Road Recovery Cover is designed to reimburse you the costs of a remote recovery if you’ve had a breakdown or gotten bogged remote. So make sure you ask exactly what it is that is being offered. No one can compete with our coverage here – full stop.
“We have no interested in any other forms of insurance business… available through brokers. Nor are we interested in variations of motor insurance for Classic Cars… Our vision is to protect the lifestyle of the 4X4 Enthusiast”
At the end of the day, Club 4X4 was created as a specialist insurance product for the 4X4 enthusiast. We have no interested in any other forms of insurance business, be it commercial, liability or the plethora of other coverages available through brokers. Nor are we interested in variations of motor insurance available for different types of motoring enthusiasm like classic cars or hot rods – cool, but not really relevant to us as off-roaders. Our Vision is to protect the lifestyle of the 4X4 enthusiast and we understand that our needs are not the same as mum and dad in the Camry, nor are they the same as old mate with the immaculate old FJ Holden.
As always we thank our tens of thousands of customers and encourage you to spread the good word – and hopefully now, know the truth about the rumours!