Oz Isuzu Forums
General Boards => Off Topic => Topic started by: dlncooke on Feb 05, 2016, 08:47:48 AM
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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
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Who told you it was crap ?
Used them the other day and they were awesome
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It is actually quite a generous scheme. The big minus is that you're on your own if you need help anywhere that a 2WD can't get to.
Cheers
Martin
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Thought the Isuzu roadside assistance was contracted to the relevant state's automotive club.
Dave
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The service bloke or blokess will be from the relevant state's automotive club but the additional benefits for towing, vehicle recovery, accomodation, hire car, medical repatriation support etc which differ between the state clubs are Isuzu Roadside Assistance specific.
Cheers
Martin
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I have had NRMA roadside service (NSW) for 30 years plus and when we travelled around Oz in the latter half of 2014 blew a gearbox up outside of Roma and then camper van suspension welds broke just south of the Jardine River coming back from the Cape. NRMA liaised with RACQ on both occasions and we had absolutely no problems getting `roadside' service from RACQ. The camper trailer problem required a tow vehicle (all up tow) coming from Weipa and taking the camper trailer back to Weipa for repairs. We were very impressed with the level of service we received. We'll stick with the mainstream automotive roadside services. And we really enjoyed our 11 day stay at Weipa too.
Bob D
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As far as I am aware, in reality, Isuzu roadside assist IS the mainstream guys. They do exactly what NRMA, RACQ do and each do the others work depending on where you get stuck.
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Ive been told by RACQ as im an ultimate member they deduct the standard membership off the renewal so instead of 250ish they take 90 off it and bill it back to isuzu
Taza
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So what do you get for the $160 extra they charge over what would apply from Isuzu? Between Isuzu and my insurance policy from Youi it appears to me I am well and truly covered and I just can't see any value in spending more to get the same cover I already appear to have.
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Hey this is the ultimate deal plus covered in any car i drive plus a nominated vehicle
RACQ Ultimate provides the ultimate in assistance for you, your caravan/trailer and other drivers of your nominated vehicle including:
24 hour roadside assistance attendance up to 200km.Free towing up to 100km in any direction, or 200km to the attending contractor’s premises or intermediate location en route.Fuel if you accidentally run out up to $100 pa.Free windscreen chip or crack repair up to $80 pa.Taxi fare after towing up to $150 pa.Rental vehicle after towing up to 3 days up to $330 pa.Emergency locksmith assistance up to $300 pa.Assistance for your caravan and trailer.The choice of either accommodation, vehicle recovery, caravan/trailer recovery, car hire or alternative transport for you and your passengers if you breakdown more than 100km from home and RACQ estimates repairs will take longer than 24 hours.
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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.
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Yea exactly i like the free tow 100kms in any directions or 200kms to service centre and the $150 taxi fare
Taza
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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
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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.
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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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Club 4x4 insurance , just rang me , they will match the premium I have been paying for my Tvan ,
They also sharpened the price for my Dmax on what I was quoted on the phone last week , it's now the same as what I was paying with my current insurer , for a much better cover .
I did ask again about the remote recovery to a gazzetted road , Clud 4x4 will pay for the remote portion of the recovery up to the amount in your policy , $1500 std cover or $15K - $30k if I take out either option
The gazetted Rd part will not be covered , that's for break down .
If you actually have a crash everything will be covered
I have a couple of weeks before my insurance is due on both Dmax and Tvan , but I really think Club 4x4 have won me ,
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Jacko...if you haven't rung Youi could I suggest you do...I can't recall all their cover BUT I do remember is was better than average, including stuff for recovery....just make a point of asking them about 4bie driving etc, remote roads as all conversations are recorded and that's a good way of making sure things are as they seem.
When I insured my slide on the Youi policy has $5,000 cover for on boards, including fishing gear and other stuff...the others offered only $1,000 and NO fishing gear was covered...I would have had to take a house contents policy and nominate my fishing gear as 'portable'.
Just so it's clear...I have no favourites with insurance cover but so far Youi have had great service and better cover than the others although they are a bit dearer.
As gfar as what happens when a claim is made....I have no idea...I've never made one :occasion14:
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I probably should do that , I have just bought some new fishing gear , took your pm advice from the other place .
It's really the remote recovery that interests me with Club 4x4.
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Jacko...I'm booking the boat in for everything this week to be done next week. Did you get my last PM?
Glad to see you have some new fishing gear. Malacoota is looking good :occasion14:
Read the Isuzu roadside assist cover and see what they really do cover. Then see what the insurance mobs offer..the better covers DO offer quite a few benefits. Put them both together and see what you come up with. Could save you many hundreds of dollars. That should be enough to buy a few more CVs. :laughing7:
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Don't know about last 5 yrs or so.
But when we cruised
99% of them. covered up to 200/300/500km's from Metro Centres.
Any costs IE Pick ups and towing/carrying OUTSIDE those radii.
wer up to you.
With Exception of Nissan.
Their car and Roadside Assist for period of. was ALL over Australia.
I checked all of them first.
No matter where you broke your car. they got you back to nearest NISSAN agents.
After first 3 yrs I didn't worry. Car is Bulletproof.
Still is after 14 1/2 yrs.
Check on the radii of all company's from metro centres Before you commit.
In those days the breakdown truck wanted a grand cash in his hand. b4 coupling you up. then so much a km.
and they charged both ways.. 450 kliks out, you paid 900kliks.
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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
Hey Dave,
Who did you end up going with for insurance for your big trip? That's soon?
Cheers
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Keep away from youi, budget and those low premium providers...........you get what you pay for!
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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.
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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.
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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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I have to say, give Suncorp a try. They have always been direct, professional no bull, and exceptional service. Cover me anywhere in Australia, all 4wd accessories covered, and well priced.
Made a claim once, ( no broker) and after the simplest phone questionnaire, they dealt with everything. Pick up, repair, payment.
Tried youi for a quote once, awful pushy high pressure patronising pr&@k tried to bully me into signing. Kept calling back and eventually was very rude and hung up on me. Never again. Their price was only $20 a year less than Suncorp too.
Just my experience.
Mike
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I've heard of people changing their name to scummycorp (obviously bad claims experience)
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I can tell you for a fact that years ago, I think it was when the floods went through Grantham or something like that name, Suncorp paid every claim and it was the rest that tried to screw people as best they could.
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I can tell you for a fact that years ago, I think it was when the floods went through Grantham or something like that name, Suncorp paid every claim and it was the rest that tried to screw people as best they could.
Which is why it is the responsibility of the policy holder to make sure that the policy they are buying (not based on price alone) suits their needs i.e. if you live near a river then you want a policy which covers Flood, plain and simple. I know of other policies which also paid out in the mentioned situation and yes Suncorp shined in al its glory and got great publicity through the devastation that followed the floods. A sad day for all in......
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jeeves01
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.
Yeah. CGU claims were happy... but the IAG assessor and smash repairer were stuffing me massively around - couldn't make a decision for 2.5 weeks (1 didn't have the authority to go that high, the 2nd went on leave while a secondary quote was being made up, and the 3rd one kept wanting more and more info). Funds were in my account 36 hours after the 3rd assessor looking at it finally made a decision
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jeeves01
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.
Yeah. CGU claims were happy... but the IAG assessor and smash repairer were stuffing me massively around - couldn't make a decision for 2.5 weeks (1 didn't have the authority to go that high, the 2nd went on leave while a secondary quote was being made up, and the 3rd one kept wanting more and more info). Funds were in my account 36 hours after the 3rd assessor looking at it finally made a decision
Im surprised that three quotes had to be sourced, these days its usually just one and that's it, if the insurer thinks that the quote for repairs is high they will send an assessor out to have a look at the car in person, usually they just do a "desk top assessment" if its a simple claim. Hopefully you don't have to claim ever again konazz. Who have you insured the MUX through?
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No it wasn't 3 quotes. It was 3 assessors.
Long story short.
Bought x-trail 3.5 years ago for $32k d/a with extras (price was unheard of on the forums - i got very lucky as the lowest price for the diesel was $38k and RRP was $41.7k). I had some accessories that added to the value (bash plate, lift kit, uhf, tow bar etc.). So at the most recent renewal... agreed value was lowered by CGU to $30.75k You can see why they were a bit cranky, as my policy was agreed value they would have to pay out.
After the 'flooding' incident, it got towed to the biggest auto repairer/assessor in Canberra. It was clearly a write-off, and the guys simply didn't have time to quote on it. One IAG assessor was like, yeah, get me a basic quote, about half way, then we'll write it off (he was the most senior assessor in NSW/ACT). His boss's boss wasn't happy, so it went back for more detail quoting. Then they added a bit more + extras (the repairer was pissed, knowing it was a write off and spending time dealing with it). By this time, the senior assessor had gone on holidays and some dude from Sydney was down. He wanted more details again.. and in the end another quote, but then he went back to Sydney and a third assessor was brought in from IAG, after I complained to my broker. Even claims said this was getting ridiculous. Anyway, payment was processed an hour after verbal confirmation from the assessor.
Still insured with Affinity/IAG, as my insurance wasn't that greatly affected, and was cheaper than my online quotes. Paying about $1700 now, and added windscreen + car hire this time round.
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No it wasn't 3 quotes. It was 3 assessors.
Long story short.
Bought x-trail 3.5 years ago for $32k d/a with extras (price was unheard of on the forums - i got very lucky as the lowest price for the diesel was $38k and RRP was $41.7k). I had some accessories that added to the value (bash plate, lift kit, uhf, tow bar etc.). So at the most recent renewal... agreed value was lowered by CGU to $30.75k You can see why they were a bit cranky, as my policy was agreed value they would have to pay out.
After the 'flooding' incident, it got towed to the biggest auto repairer/assessor in Canberra. It was clearly a write-off, and the guys simply didn't have time to quote on it. One IAG assessor was like, yeah, get me a basic quote, about half way, then we'll write it off (he was the most senior assessor in NSW/ACT). His boss's boss wasn't happy, so it went back for more detail quoting. Then they added a bit more + extras (the repairer was pissed, knowing it was a write off and spending time dealing with it). By this time, the senior assessor had gone on holidays and some dude from Sydney was down. He wanted more details again.. and in the end another quote, but then he went back to Sydney and a third assessor was brought in from IAG, after I complained to my broker. Even claims said this was getting ridiculous. Anyway, payment was processed an hour after verbal confirmation from the assessor.
Still insured with Affinity/IAG, as my insurance wasn't that greatly affected, and was cheaper than my online quotes. Paying about $1700 now, and added windscreen + car hire this time round.
Right, I guess it never helps when an assessor goes on hols then another ass-essor has to pick up the pieces and run with it from there, not an easy job form what I can tell, wouldn't want to do it myself!
$1,700 for the MUX? Do you have a whole heap of accessories/mods insured? most insurers will give you a replacement vehicle within the first 2-3 years of registration (you have to be first registered owner) and an equivalent model has to be available for them to be able to give you.
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Yeah. Which is about right, as we were paying about $1300 for the x-trail (and both wife and i had 10+ years clean record without accident/infringement). It does include our camping crap, all the accessories (nudge, lightbar, UHF, upgraded stereo, drifta fitout etc.) and is 100% offroad, even on private property - hence the reason we weren't questioned why our car ended up in a creek in the middle of nowhere.
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I had Western QBE for 30 yrs.
House. Cars. Caravan and large yacht.
Never missed a beat.
Only made three claims. One car one Outboard motor stolen and one anchoring system stolen from bow of yacht.
$4 grand for that one and they just rang marine supplier.
Told then to send bill to them for all I took out door.
For marine. they were great.
RACQ for 16 yrs. 2 claims. One Cyclone damage. one Caravan repair.
One paid into my acc't within 5 days. Other paid to builder when he finished job.
As said. Stick with named company's and there's not normally (as long as you not pushong it) a problem.
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I had Western QBE for 30 yrs.
Only made three claims. One car one Outboard motor stolen and one anchoring system stolen from bow of yacht.
$4 grand for that one and they just rang marine supplier.
Told then to send bill to them for all I took out door.
For marine. they were great.
RACQ for 16 yrs. 2 claims. One Cyclone damage. one Caravan repair.
One paid into my acc't within 5 days. Other paid to builder when he finished job.
As said. Stick with named company's and there's not normally (as long as you not pushing it) a problem.