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Old 16-02-17
erad erad is offline
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Default Club 4x4 Insurance - performance

I have just received a really competitive quote for insurance of my Pajero from Club 4x4. I am looking seriously into changing over. Before I do, I want to know how Club 4x4 stood by its policy holders when they had a claim. I don't want to know the gory details as to the damages etc, but rather how Club 4x4 performed. The last claim I had was about 22 years ago when my daughter's car was T-boned and NRMA performed really well then.

Anyone have experience to share with me. Any yes - I have looked through the index but although there are probably answers there, I couldn't find them.... Thanks in advance.
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Old 16-02-17
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We've been with Club 4x4 for about a year now. We purchased a cub camper which was originally insured with CIC however when we got our renewal notice for the Paj from Coles insurance the agreed value had dropped from 36K to 28K in one year and the premium was around $1100. Club 4x4 were very competitive with insurance for both the camper and the Paj and was about $200 cheaper between the 2 policies. Agreed value back to 35K and 30K on the camper.

Made a claim last year (at fault, minor reversing mishap into parked car). Claim was a little tedious, for starters they don't have a call centre to take calls on the week end or after hours. Both my wife and I had to get Vic Roads driving histories obtained before they would approve our claim. Extra days waiting for the claim approval and started getting abusive messages from 3rd party regarding repairs needing to be done. Claim went through and reimbursed for driving history fees but took a little too long. Insurance claims are a pain in the arse at the best of times and it just really didn't seem stream lined. Bottom line is they paid out and the policy is cheaper than manny others.
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Old 16-02-17
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I claimed a windscreen last year, as above its a bit of a pain with no after hours call centre to contact on a weekend. I was in the middle of a trip and ended up paying for it myself, but club4x4 reimbursed me a few days later after I emailed a copy of the receipt and a pic of the cracked windscreen.
They also mentioned they were looking at setting up a 24/7 call centre, but it will depend on demand. I guess the more they grow the more demand they will get.
I have two vehicles ( NW Pajero and GU Patrol) insured through them. Certainly not the cheapest, but their cover suits my needs better for offroading, particularly the offroad remote recovery for breakdown etc.
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Old 16-02-17
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Quote:
Originally Posted by Bacsisauto View Post
Made a claim last year (at fault, minor reversing mishap into parked car). Claim was a little tedious, for starters they don't have a call centre to take calls on the week end or after hours. Both my wife and I had to get Vic Roads driving histories obtained before they would approve our claim. Extra days waiting for the claim approval and started getting abusive messages from 3rd party regarding repairs needing to be done. Claim went through and reimbursed for driving history fees but took a little too long. Insurance claims are a pain in the arse at the best of times and it just really didn't seem stream lined. Bottom line is they paid out and the policy is cheaper than manny others.

This is typical of a lot of the smaller companies - accept you without too much underwriting followup at new business time and then if you lodge a claim (especially in the first 12 mths), make you jump through a few extra hoops that they should have done at New Business. This is done in the event that perhaps they may not have accepted you at the time of New Business if they had had properly checked the proposal information and / or asked for clarification if they had concerns.., Then they can decline the claim for non-disclosure if you fall outside their guidelines.

Whilst this is not illegal - it can certainly be a Pain in the Donkey. Gives you a false sense of security that you are covered, then Opps, sorry NO COVER....

The lesson to be learned in this case - make sure you get EVERYTHING 100% correct at new business so that they can't hold it against you once you have a claim and really need them to work for you quickly as shown above....
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Last edited by MSF; 16-02-17 at 10:54 PM.
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Old 24-02-17
erad erad is offline
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Thanks for your replies. Sadly, I still do not know which way to go. NRMA $829, GIO $700, Club4x4 $550. This is why I asked for people's experiences re claiming. For the sake of $150, I think I will go GIO, but Club4x4 also offered similar savings on my wife's Outlander and our caravan. I guess it all depends if you are going to make a claim or not.

All I know is that I will be saying goodbye to NRMA because they are way over the top. I queried the premiums with them and was told that because my wife and I were getting older (nearer 80 she said - I am just over 70, my wife about half way), our premiums are getting higher tocompensate for the extra claims oldies have. Apart from 1 windscreen, we have not claimed since 1996, so that is a lot of Bovine Powedered Earth indeed.

Probably the others are giving me a low premium to get me hooked and go with them. Then next year they will hike the premiums to compensate??? I guess we'll see what happens...
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Old 24-02-17
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Quote:
Originally Posted by erad View Post
Thanks for your replies. Sadly, I still do not know which way to go. NRMA $829, GIO $700, Club4x4 $550. This is why I asked for people's experiences re claiming. For the sake of $150, I think I will go GIO, but Club4x4 also offered similar savings on my wife's Outlander and our caravan. I guess it all depends if you are going to make a claim or not.

All I know is that I will be saying goodbye to NRMA because they are way over the top. I queried the premiums with them and was told that because my wife and I were getting older (nearer 80 she said - I am just over 70, my wife about half way), our premiums are getting higher tocompensate for the extra claims oldies have. Apart from 1 windscreen, we have not claimed since 1996, so that is a lot of Bovine Powedered Earth indeed.

Probably the others are giving me a low premium to get me hooked and go with them. Then next year they will hike the premiums to compensate??? I guess we'll see what happens...
NRMA lost us too and been with them for 20yrs ... Club4x4 ticked all the right boxes ...
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  #7  
Old 27-02-17
erad erad is offline
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Well, I have decided - GIO. I looked at the Club4x4 quote, and the price was $569, but they also added a $33 admin fee on the policy, thus making it nearer $600. GIO is $700, and hopefully they won't stuff me around should I have a claim. Pity, bacause I think they offer some real competition to the industry.

I was speaking with a friend at the weekend, and he quoted his GIO performance to me. He switched to them, and a year later they hiked the premium from $680 to $940 un a period of 1 year. He phoned them up and got the usual spiel - claim costs are going up, yorta yorta, yorta and he said Bullsh1t - I have not made a claim. They said they would contact their superiors and call him back. They actually did this and then quoted him $630, but he had already made up his mind, and went with Alliance. I am not sure that I would do that, but he seems happy. It goes to show that you don't simply take the bills laying down - they are all out to screw you.

Last edited by erad; 27-02-17 at 06:45 PM.
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Old 27-02-17
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Quote:
Originally Posted by erad View Post
Well, I have decided - GIO. I looked at the Club4x4 quote, and the price was $569, but they also added a $33 admin fee on the policy, thus making it nearer $600. GIO is $700, and hopefully they won't stuff me around should I have a claim. Pity, bacause I think they offer some real competition to the industry.

I was speaking with a friend at the weekend, and he quoted his GIO performance to me. He switched to them, and a year later they hiked the premium from $680 to $940 un a period of 1 year. He phoned them up and got the usual spiel - claim costs are going up, yorta yorta, yorta and he said Bullsh1t - I have not made a claim. They said they would contact their superiors and call him back. They actually did this and then quoted him $630, but he had already made up his mind, and went with Alliance. I am not sure that I would do that, but he seems happy. It goes to show that you don't simply take the bills laying down - they are all out to screw you.

ALLIANZ...216 REVIEWS...1.7 STAR RATING....THE STAR RATING ALONE SAYS TO AVOID THE MOB AT ALL COSTS. I HAVE READ SOME REAL HORROR STORIES ABOUT THIS BUNCH OF %$#$%s. Google them...no one speaks highly of the cowboys.
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  #9  
Old 27-02-17
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Quote:
Originally Posted by erad View Post
Well, I have decided - GIO. I looked at the Club4x4 quote, and the price was $569, but they also added a $33 admin fee on the policy, thus making it nearer $600. GIO is $700, and hopefully they won't stuff me around should I have a claim. Pity, bacause I think they offer some real competition to the industry.

I was speaking with a friend at the weekend, and he quoted his GIO performance to me. He switched to them, and a year later they hiked the premium from $680 to $940 un a period of 1 year. He phoned them up and got the usual spiel - claim costs are going up, yorta yorta, yorta and he said Bullsh1t - I have not made a claim. They said they would contact their superiors and call him back. They actually did this and then quoted him $630, but he had already made up his mind, and went with Alliance. I am not sure that I would do that, but he seems happy. It goes to show that you don't simply take the bills laying down - they are all out to screw you.
Been with GIO since 2000 for business and some cars, many claims without a problem but they were never cheap enough for home contents.
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Old 27-02-17
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Quote:
Originally Posted by Dicko1 View Post
ALLIANZ...216 REVIEWS...1.7 STAR RATING....THE STAR RATING ALONE SAYS TO AVOID THE MOB AT ALL COSTS. I HAVE READ SOME REAL HORROR STORIES ABOUT THIS BUNCH OF %$#$%s. Google them...no one speaks highly of the cowboys.
216 reviews are of a low number considering the thousands of member's. .. rarely people give compliments .. and dig further into the complaints and maybe 10% of them have any justice in their compliant .. ; )

...
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