OFFROAD 4WD Insurance for under 25's

Post by **stilivn** » Mon Feb 25, 2008 5:23 pm

Hey, just wondering does anyone know of a company that will insure a 4WD for someone under 25 years of age for offroad use?

Post by **bushy555** » Mon Feb 25, 2008 5:49 pm

How modified is the vehicle? - (it may effect the under 25 bit)

Can try the mob that I use:
Insurance Advisernet, offices in Sydney and Brisbane.
www.insuranceadviser.net I think. If tis wrong, google it.
$900 a year for me to insure two highly modified comp vehicles (- total value of $64,000, one is a softtop and engineered for 35's, the other is engineered for 37's) anywhere in Australia for fire/ stolen/ flood/ beach/ rolled/ 4wd park etc.
!! DO Get all that in writing!!

Everything except for competition work. Pretty good deal I reckon.
Lets see NRMA/GIO/SUN corp/ADG/TCIS beat that.

If they do insure you, tell them that I sent you so they can give me a discount on my next years premium.

Post by **chikoroll_** » Mon Feb 25, 2008 5:54 pm

if it is legal, with CGU you are covered for everything, on the condition you are legally there (private property must have permission of land owner)

Post by **ORSM4B** » Mon Feb 25, 2008 6:36 pm

Mate try vigil insurance can't fault them....

Post by **T_Diesel** » Mon Feb 25, 2008 8:07 pm

stilivn wrote:Hey, just wondering does anyone know of a company that will insure a 4WD for someone under 25 years of age for offroad use?

What sort of cover are you after? Most companies will insure you as long as the vehicle is road worthy given the modifications on it.

As bushy555 suggested, give a broker a call such as Insurance Advisernet, they will have access to a few different markets but bear in mind that a differece in price may also mean a difference in policy cover between two policies.

Most motor vehicle policies issued by most authorised Australian Insurers will cover your vehicle and its associated liabilities on any gazeted road in Australia. It might be worth checking with the 4wding body in your state aswell. The Victorian Association of 4wd Clubs has a scheme through a broker in Melbourne called Affinity Risk partners and is underwriten by Lumleys.

Post by **Pinball** » Tue Feb 26, 2008 8:39 am

bushy555 wrote:How modified is the vehicle? - (it may effect the under 25 bit)

Can try the mob that I use:
Insurance Advisernet, offices in Sydney and Brisbane.
www.insuranceadviser.net I think. If tis wrong, google it.
$900 a year for me to insure two highly modified comp vehicles (- total value of $64,000, one is a softtop and engineered for 35's, the other is engineered for 37's) anywhere in Australia for fire/ stolen/ flood/ beach/ rolled/ 4wd park etc.
!! DO Get all that in writing!!

Everything except for competition work. Pretty good deal I reckon.
Lets see NRMA/GIO/SUN corp/ADG/TCIS beat that.

If they do insure you, tell them that I sent you so they can give me a discount on my next years premium.

Mine's through the 4WD club policy and TCIS brokers, OAMPS... covered for all that and competitions, 6 of non-timed per year. Costs extra (bout $100.00) but worth it for the peace of mind on the daily driver and play rig.

Most others bailed on the level of modification, despite it all being legal and roadworthy/ engineered.

Spock

Post by **macca81** » Sat Mar 01, 2008 5:37 pm

ok then, so a cpl of nights ago, someone ran into my week old hilux surf. later that day my insurance company decided to inform me that they dont cover imported vehicles, so now im left with a damaged, uninsured vehicle... now i have the name and address of the guy who hit me so im gunna go and see him and find out if he has 3rd party, but im still left with the dillema of an uninsured car. anyone know who insures imports other than shannons (who arent cheap and prefer my vehicle to be fairly modded already), or just car (who seem to have farked policies and want me to give a written application EVERY time i make ANY mods, no matter how minor, to the car)

for a 21 yr old male driver

Post by **ORSM4B** » Sat Mar 01, 2008 8:55 pm

macca81 wrote:ok then, so a cpl of nights ago, someone ran into my week old hilux surf. later that day my insurance company decided to inform me that they dont cover imported vehicles, so now im left with a damaged, uninsured vehicle... now i have the name and address of the guy who hit me so im gunna go and see him and find out if he has 3rd party, but im still left with the dillema of an uninsured car. anyone know who insures imports other than shannons (who arent cheap and prefer my vehicle to be fairly modded already), or just car (who seem to have farked policies and want me to give a written application EVERY time i make ANY mods, no matter how minor, to the car)

for a 21 yr old male driver

Mate try vigil insurance they insured my surf...

Post by **ausoops** » Sat Mar 01, 2008 9:28 pm

if you were in an accident and at the time was still on a policy/covernote i would chase them and not give up.

Post by **bogged** » Sat Mar 01, 2008 9:39 pm

ausoops wrote:if you were in an accident and at the time was still on a policy/covernote i would chase them and not give up.

what he said.. insurance ombudsman first stop, dont even give them the chance to tell you to GAGF which they will...

Post by **macca81** » Sat Mar 01, 2008 10:14 pm

it wasnt even on covernote tho. as soon as they knew it was import they said no, they didnt even know about an accident

Post by **bogged** » Sat Mar 01, 2008 10:34 pm

macca81 wrote:it wasnt even on covernote tho. as soon as they knew it was import they said no, they didnt even know about an accident

what he means is that you had a covernote or insurance on the vehicle at the time of the crash?? if so, Im fairly sure they cant say sorry bad luck. otherwise they would do this to every one and never pay out.

Post by **macca81** » Sun Mar 02, 2008 7:35 am

what i mean is, no, i had no form of insurence on it at the time. if i did then i would be much happier than i am now... i have to wait to see if the other guy has insurance.

i have had the car about a week when the accident occured, during that week my stepfather (whom the insurance for all our cars is under the name of) had been trying to get in contact with the insurance company, by the time he did the accident had already occured, and they would cover me anyway as i drive an import. the company was never told about the accident as at the time my vehicle was not even on there system, let alone quoted or covered.

this is another reason i dont want this company anyway, they took a week before you could get past the 'on hold' music....

Post by **thaoldman** » Sun Mar 02, 2008 9:08 am

So....you knowingly drove your uninsured 4WD, ....had an accident....and it's the insurance companies fault ?? huh ???

Post by **macca81** » Sun Mar 02, 2008 1:59 pm

IT WAS PARKED!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! someone else ran into my PARKED car!!!

and when did i say it was the insurance companies fault? all im saying is they wont isure an imported vehicle and i want to know who will.

read the bloody post damnit!

Post by **Dexter** » Sun Mar 02, 2008 2:01 pm

Virgils, I would suggest, not sure about 4wds but they cover alot of the Jap import guys who are under 25.

Post by **ORSM4B** » Sun Mar 02, 2008 3:22 pm

Hi mate here the number for Vigil 1300 134 054
and yes they do insure imported 4wd's

Post by **macca81** » Sun Mar 02, 2008 9:07 pm

yeah i checked them out, i need to be a rating 5 or better driver, which means i need to have had insurence in my name before.... it was previously in my stepfathers name so thats no good for me

Post by **T_Diesel** » Mon Mar 03, 2008 2:40 pm

macca81 wrote:IT WAS PARKED!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! someone else ran into my PARKED car!!!

and when did i say it was the insurance companies fault? all im saying is they wont isure an imported vehicle and i want to know who will.

read the bloody post damnit!

If you have the details of the the third party responsible for the damage caused to your vehicle, your best bet would be to see if the vehicle that hit you is insured, get them to admit liability and find out whether or not they are prepared to make a claim under this policy. As they are the policy holder and not you, it is up to them whether or not they lodge a claim under their policy.

If the other party does not want to admit liability and claim under their insurance, from the circumstances you have described it sounds like you would have reasonable grounds to seek subrogation against the third party responsibe for the damage, you will need to find legal representation to demand a recovery.

Your best bet would be try a "no win no pay" legal firm, or have a chat to legal aid in your state/territory and explain the circumstances.

As far as trying to get your damaged vehicle insured now, you will have buckleys and none of insuring a damaged vehicle.

Post by **Jimbo** » Mon Mar 03, 2008 7:28 pm

I was with just cars paying $900 a year at 22 and had lost P's for a year for speeding a couple of years b4. They covered me offroading as long as every mod was legal. Surf ended up getting stoen and they paid me out $16k

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OFFROAD 4WD Insurance for under 25's

OFFROAD 4WD Insurance for under 25's

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