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  • Originally posted by Club 4X4 View Post
    G'day guys,

    Not sure if anyone has noticed but we are running another competition - this time giving away 1 of 5 Hema Navigators.

    All you have to do is click the link, enter your details and a quote number for your insurance. You can also enter your policy number (why should you be penalised if you're already a customer!)

    It is a Facebook based competition and i know not everyone likes or uses Facebook, but thought i'd share anyway.

    HERE'S THE LINK

    Cheers and good luck!

    Kalen
    Just wanted to say thanks to Kalen for posting this here, I entered the competition after seeing his post and received the phone call on Tuesday that I had won the HN 7.

    Looks like I have an excuse to get out of town now!!! Gotta make sure it works after all!

    Thanks Kalen!

    Comment


    • Originally posted by Bailey84 View Post
      Just wanted to say thanks to Kalen for posting this here, I entered the competition after seeing his post and received the phone call on Tuesday that I had won the HN 7.

      Looks like I have an excuse to get out of town now!!! Gotta make sure it works after all!

      Thanks Kalen!
      Great stuff!

      More to come :-) We'll be sending them out within the next week so look out for it

      :-)

      Comment


      • Originally posted by Bailey84 View Post
        Just wanted to say thanks to Kalen for posting this here, I entered the competition after seeing his post and received the phone call on Tuesday that I had won the HN 7.
        Damn, is that what that missed call on my phone was about? Congrats Bailey84, anything has to be better than the cr@p nav unit Toyota provide.

        Comment


        • Here's a couple of new posts guys

          1) A blog about our off-road recovery cover - Off Road Recovery Cover - no, your insurer doesn't offer it
          2) a testimonial from Aaron Schubert, owner of 4wding Australia

          Cheers

          Kalen

          Comment


          • Kalen can you confirm if I would need to pay my excess up front even for a not at fault claim where I have the other party's details and they have verbally admitted fault? I've been told that if I make a claim even not at fault it will also affect my premium come renewal time.

            Comment


            • Originally posted by fido666 View Post
              Kalen can you confirm if I would need to pay my excess up front even for a not at fault claim where I have the other party's details and they have verbally admitted fault? I've been told that if I make a claim even not at fault it will also affect my premium come renewal time.
              Hi Corinne,

              The key to remember here is that whenever you lodge a claim you are asking us to act on your behalf. Whether it be for a claim where you were at fault and you require us to repair yours and a third party/s vehicles or property, or in a case where you're not at fault but for whatever reason you need us to deal with it. The not-at-fault scenario may come up where liability is difficult to determine and a decision is made where two parties bear their own costs, a scenario where you cannot identify the responsible party, or a case where the third party is either uninsured or you don't want to deal with a third party insurer.

              In each of these scenario's you are asking us to act on your behalf. In order for us to represent you an excess needs to be paid. At times it may be just until such point as recovery can be made from a third party, at other times it may simply be a payment you need to make that isn't refundable.

              With reference to the premium effect, this is correct. Our underwriting process considers both at-fault and not at-fault claims albeit with different points ratings for each. Combinations of the different claims types and the points assigned will be added up and will either affect your premium or even result is us not able to insure you.

              In general however, any claims lodged through us, at fault or not will affect your premium.

              Hope this helps

              Kal

              Comment


              • Thanks for the info Kalen.

                Originally posted by Club 4X4 View Post
                The key to remember here is that whenever you lodge a claim you are asking us to act on your behalf.
                I understand that, it's why I have insurance.

                In order for us to represent you an excess needs to be paid.
                Shouldn't my premiums absorb some of those costs of chasing down the other party or their insurer?

                At times it may be just until such point as recovery can be made from a third party
                And if that recovery takes months for whatever reason?

                In general however, any claims lodged through us, at fault or not will affect your premium.
                Good to know. Seems a little unfair to be penalised where you are totally not at fault though.

                Comment


                • Originally posted by fido666 View Post
                  Thanks for the info Kalen.



                  I understand that, it's why I have insurance.



                  Shouldn't my premiums absorb some of those costs of chasing down the other party or their insurer?

                  Corine, they do, which is why regardless of the claim, whether it be a $1200 ding or a $100k total loss all incur one excess.



                  And if that recovery takes months for whatever reason?

                  Unfortunately this is just a reality. Some insurers work quicker than others, but ultimately it takes time. If the outcome is a positive one you get your excess back, if not it get's held.



                  Good to know. Seems a little unfair to be penalised where you are totally not at fault though.
                  I do agree to an extent. Ultimately insurance is a community funding scheme. There is no way that the premium we get from an individual will cover the cost of the overall exposure should the vehicle be totalled, or even involved in a serious collision. Even with the excess as a contribution and the investment of premiums we wouldn't get there. So the good risks throw in some extra for the poorer risks and the poorer throw in much more because of the risk they pose. Ultimately any claim that is made where action is required increases claims costs which affects premiums, as such even not at fault claims are noted as an underwriting criteria which affects premium.

                  I know it's still a bitter pill Corine, but i wanted to explain it in a bit more detail.

                  Hope it helps

                  Kal

                  Comment


                  • Someone spotted a PP in their travels on Saturday and didn't post a spot and pic
                    Thanks for the comments when you were talking to the wife.
                    All products used to get it looking like that are from one of the retail members Autoglym

                    Comment


                    • I think you may have posted in the wrong thread Fred63.

                      Comment


                      • Originally posted by Club 4X4 View Post
                        I do agree to an extent. Ultimately insurance is a community funding scheme. There is no way that the premium we get from an individual will cover the cost of the overall exposure should the vehicle be totalled, or even involved in a serious collision.
                        I don't expect my premium to cover the whole cost of a repair, I'm only talking about the cost to chase down the other party to recover costs.

                        So the good risks throw in some extra for the poorer risks and the poorer throw in much more because of the risk they pose.
                        OK, so is a not at fault claim classed as a poor risk?

                        I know it's still a bitter pill Corine, but i wanted to explain it in a bit more detail.
                        Too right it's a bitter pill, it's annoying to be penalised for doing nothing wrong.

                        Comment


                        • Originally posted by fido666 View Post
                          I don't expect my premium to cover the whole cost of a repair, I'm only talking about the cost to chase down the other party to recover costs.




                          OK, so is a not at fault claim classed as a poor risk?


                          Too right it's a bitter pill, it's annoying to be penalised for doing nothing wrong.
                          I understand Corinne, my explanation was at a portfolio level. This is where it becomes challenging as it is what i like to call a community funded scheme.

                          A not at fault claim, based on the fact that it requires intervention and ensuing expense, is noted as an underwriting criteria which will potentially adversely affect your premium. It's part of an overall assessment of risk, but it doesn't necessarily make you a poor risk. Far from it from what i know about your Corinne...

                          Comment


                          • So I was rear ended last week and the driver didn't have insurance. If I was to sign up to club 4x4 would I still have to pay an excess because you won't be able to recover the money from the other driver for quite some time? And if you can't recover the money am I deemed more risky and my premium would increase?

                            Comminsurer have been great to deal with but I've been thinking about the switch. You are more expensive but do cover more off road ect. Just concerned about the comments a ove.

                            Comment


                            • I'll stay where I am then, as I have not had to pay any excess on a not at fault claim, when I have been able to supply details of the other party and vehicle.
                              I don't think anybody could convince me that paying an excess on a not at fault claim is a good thing. Especially if the premiums go up regardless.

                              Comment


                              • Hi rackxp and REV.

                                If you have a not at fault accident and you have the details of the party at fault and liability is indisputable we will not hold an excess.

                                The only point where we hold an excess for a not at fault accident is where the at-fault party is unknown or liability is under dispute.

                                Can i suggest perhaps you call your current insurers with exactly the same points i've noted above and see what their view is?

                                Cheers

                                Kal

                                Comment

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