I hope my blog last week about our expansion to a 24hr service model helped to demonstrate our commitment to being here at your time of need and supporting the off-road lifestyle. As I said in that article, it was a long time coming and I was really proud to announce it to you all.
Now in closing that piece, I said that I was going to expand a little on our claims proposition this week; I’m going to put that on ice for a couple of weeks because I want to talk to you about how we’re using what we’ve learnt to pass on savings to you.
Specialising in insuring 4X4’s, particularly modified ones that spend a fair chunk of time doing what they’re designed for is a curious thing. On the one hand, as an insurance agent with a portfolio that consists solely of off-road enthusiasts, we get exposed to the types of claims specific to this pocket of the market to a much greater magnitude than other insurers. On the other hand, the learnings drive a level of expertise around how our hobby translates to risk within an insurance portfolio.
These learnings allow us to continually make premium adjustments with our underwriter to ensure premiums are adequate (sorry about the insurance jargon!), they are adjusted for market movements but also work to reward those who present a lower risk.
The latter part is what I am very excited to talk about today. Many of you will know that Club 4X4 have offered discounts for customers who have undertaken off-road driving or recreational-towing training. Our discounts have been to the order of 10% across your 4X4 policy or trailer policy if you could provide us with proof of a training qualification from a nationally recognised Registered Training Organisation (RTO).
One of the learnings over the years has been around how off-road driver training affects driving behaviour and claims experience. Whilst we knew that training lowered the risk, what we’ve learnt is that there was room for further discounting that we wanted to pass on.
As a result of this learning, we are now offering a 20% discount on your 4X4 policy if you can provide us with evidence of a 4X4 driving qualification from an RTO! This discount remains on the policy for the life of the policy, rewarding you for your investment. Existing policyholders who have the current 10% will see this upgraded at renewal – so if you’re not sure at the time please give us a call to check!
It’s worth also noting that we are still proud to partner with Getabout and Tow-ed training who will give Club 4X4 policyholders discounts on their Off-Road Driver Training (10%) and Towing Training (5%) courses nationally. Just give them a call and quote your policy number to get your member price. Got a policy and want to do the training, no problem, let us know and we will refund you pro-rata!
If you have any questions, please send me a comment below, or contact one of our enthusiasts on the phone on 1800 CLUB 4X4 (258 249)
Details for Our partners are as follows