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insurance

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DMaximus:

--- Quote from: dlncooke on Feb 05, 2016, 08:47:48 AM ---Hi i was wondering what is the best 4x4 breakdown service. IUA has it's own but been told it's crap.
I was looking at RACQ Ultimate care (qld) to cover my Dmax on a trip out west in jun/july.
Does anyone know of a good company that will cover your vehicle for these trips !


It's only for this trip mainly.
 
Cheers
Dave

--- End quote ---

Hey Dave,

Who did you end up going with for insurance for your big trip? That's soon?

Cheers

PUMAPANTS:
Keep away from youi, budget and those low premium providers...........you get what you pay for!

konazz:
I went through affinity brokers who offer 4wd insurance via CGU. Quotes came out less than online quotes from the majors. Mine included agreed value, windscreen and $3k camping, $500 personal affects.

When I sunk my Xtrail, they paid out within 48h of the claim being approved. They wrote off a $30,750 Xtrail at agreed value (3.5 years) and will insure all mods. Had some issues with CGU and repairer dragging their feet but once I got affinity involved, had a decision in 18 hours. Ended up insuring the MUX with all additions with them again as wel as our Corolla.

jeeves01:
Not sure why you think Youi are a budget mob. They are more the upper end. Anyway..facts need to be supplied to say that Budget Direct etc are no good...sometimes you don't get what you pay too much for...my mate WAS with NRMA...nothing but trouble......I'm with Youi..I have had no claim but they certainly have the best cover I could find including $5000 of ANY gear with my slide on camper. The only way you will know if the mob is any good is when you claim..just saying a mob is no good because they don't charge ENOUGH is wrong. There are many companies that weed out who they think are higher risk customers and therefore can charge less.

PUMAPANTS:
jeeves01

fair comment. If you're insured with the insurers I had mentioned that's fine, let us know how they handle your claim if you  ever have one. The one thing I have learnt with insurers is that when you do have a claim all you want to know is that your covered as comprehensively as possible, your not going to be asking your insurer how much you paid, you just want to know if your covered, that's the most important thing. 

konazz

CGU is a reputable insurer. all claims will have some paper work, you will have to be involved throughout the process but IF you have a broker the majority of the work is done on your behalf. One of the down falls of insuring directly with youi, budget etc.  is that your on your own at claim time. if anyone has ever experienced this personally its a stressful time.

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