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insurance

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jeeves01:
Sounds good. I get a few of those things in my Youi policy but not all. No windscreen repairs I don't think but a fair bit of the rest of what you describe. Anyway...better safe than sorry I guess.

Taza:
Yea exactly i like the free tow 100kms in any directions or 200kms to service centre and the $150 taxi fare

Taza

Jackofjr:
I have RACV Total Care , I have used it 3 times over the years , first time was in WA when the Crown Wheel Bearing collapsed on my BMW Motorbike , I got 4 nights accomodation and 4 days car hire , I got the parts expressed posted from Melbourne and fixed the diff myself .

Second time was again in WA , we buggered a alternator between Derby and Broome in my Hilux , luckily I had a spare battery and got to Broome , again I got 3 days car hire and accomodation , while the Lux was in the shop , third time was the same trip in Darwin problem with the front brakes , 4 day accomodation and car hire .

Total Care is only good for break down , if its impact damage  they don't want to know you also you must be on a road that a normal 2wd vehicle can travel , no 4x4 tracks , beach ect .

Just last week I contacted Glub 4x4 insurance , they offered me a very competitive price on my Dmax a much better agreed value than my current insurer , including all my accessories and I don't have to list them , just a total $$ amount , their policy includes $1500 for remote recovery , I can increase that to $15000 for a extra $140 ,

They are not competitive on my Tvan , but asked me to email a copy of my current policy , which I have done , they will get back to me this week ,

I know another bloke with a Tvan did the same , they matched the price .

Worth checking them out , I was offered a extra $6k agreed value for my Dmax ,for a extra  $50 extra premium

Bigkenny:
Like Jackofjr I switched to Club 4x4 for the M-ux, agreed value 65k ( including accessories )for same premium as Allianz for market value, plus you don't have to list all Accessories.

jeeves01:
I also got a quote from Club 4x4...they were worse than NRMA...120% dearer than my Youi policy which has new for old in the first 2 years, lots of other stuff, blanket $8,500 for accessories ( not enough, but that's it) they also know about the GVM upgrade ( some won't insure with this) and they would insure me with a slide on camper and some/most won't. Budget Direct was by far the cheapest but wouldn't cover me when the slide on was on.
My Youi policy cost $529...their first offer was over $700 and I just said 'no,too dear' and they dropped it.
Budget Direct was around $400.

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