Insuring the big beasties

Post by **-Nemesis-** » Wed Jun 02, 2004 11:47 am

Hey guys,

I'm having trouble finding the right info here. I currently own a mildly modded RV6 4Runner, but future plans include a 1UZ-FE and possibly a SAS etc.
I'm just wondering who you guys use to insure these trucks for what they're worth? The only place i found so far is Just Car Insurance who will insure it with a good premium, but it's only for the vehicles market value bog standard ($13k) and obviously doesn't cover any unmapped roads.
Any advice much appreciated.

ps Also, are there any good clubs or groups out Western Sydney way for when my toy is done?

Post by **AussieCJ7** » Wed Jun 02, 2004 11:51 am

If your a club memeber then check out TCIS also check out the mob that ARB an agent for

both have policies aimed at 4x4's that get used ie generous mod allownces and cover for all gazetted tracks in Australia

Post by **-Nemesis-** » Wed Jun 02, 2004 11:53 am

Ahh ok, so you need to be in a club. I kinda figured that might be the case........ Is it any 4WD club?
Thanks for that.

Post by **-Scott-** » Wed Jun 02, 2004 12:39 pm

The club must be affiliated with the National body - Australian National Four Wheel Drive Council (ANFWDC)

Go here -> http://www.tcis.com.au/html/fourwheel_index.htm

Cheers,

Scott

Post by **zuffen** » Wed Jun 02, 2004 12:53 pm

Perhaps I can help.

I'm a motor insurance specialist. I insure cars like Ferrari, Lamborghini, etc. but not 4B's.

Try Insurance Australia Advisernet in Cooperoo.

Their number is 07 3397 5511.

They insure Jap imports and modified 4b's. They insure quite a few Dakar/Bush Rangies which are mongrells to get cover on.

Good luck.

Post by **-Nemesis-** » Wed Jun 02, 2004 2:18 pm

Thanks guys, TCIS looks like the way to go.

Post by **Tazz** » Wed Jun 02, 2004 7:49 pm

TCIS have sought of lost the plot, the last 3 cars that ive queried getting insurance for they wont touch.

Anything with a motor conversion they no longer want to now about, i know that this is the case if the vehicle is insured in nsw.

2 of the vehicles are extensively modded, my comp cruiser, 6.2v8 dsl, GQ diffs coils, 6 point cage, 39 swampers & my brothers suzi, 2.4dsl, lux diffs, 5sp & twin tranies & coil overs with 38 swampers. They would not touch either vehicle because they had engine conversions even tho they are both engineered & regod.

The 3rd car they refused is my tow car. Factory turbo 80 with 6/7" coils, 35's on 10" rims once again engineered & regoed in NSW. They would not insure as the suspension lift was too wild according to the new company that underwrites there policies.

All this from the insurance company/broker that is suposeably tailered to the requierements of the 4wd clubs, i may also add that i have 60% protected no claim bonus from my last vehicle insured thru TCIS.

I ended up using Australian 4wd Insurance (1800 800 471) they would cover all vehicles mentioned above on & off road and in comps with all mods, however they are not cheap!!!

Post by **-Nemesis-** » Wed Jun 02, 2004 10:47 pm

That's interesting cos after viewing their site they say they will insure with no limit on modifications so long as it's roadworthy!
I emailed some other mob before though i can't remember names, they said they would cover it so long as it was converted to another motor of the same manufacturer! How stupid is that. I guess the 1UZ-FE would count as Lexus is Toyota.....

Post by **flat4** » Wed Jun 02, 2004 10:59 pm

try shannons www.shannons.com.au.

They've just given me a good deal on my road car.

Steve

Post by **bogged** » Thu Jun 03, 2004 12:23 am

flat4 wrote:try shannons www.shannons.com.au.

They've just given me a good deal on my road car.

Steve

Shannons wont do 4b's

Bloke from 4wd association was at our club meeting tonight.. he mentioned a new place in Dandenong thats doing 4wds.

Affinity is the company.. worth checking..

TCIS have lost the plot, they MAY find you insurance for a highly modded car, they maynot

Post by **Ben** » Thu Jun 03, 2004 7:34 am

would cover all vehicles mentioned above on & off road and in comps with all mods, however they are not cheap!!!

I'm extremely impressed with that - you're telling me that if you roll it in a comp they'll pay out.

I'd hate to think what your premium is like to get that sort of coverage! :shock:

Post by **HeathGQ** » Thu Jun 03, 2004 8:05 am

I just had a quote for my GQ. 3" coils, 2" BL, etc blahblah, and teh premium was 600. Queried about larger tyres, and they said yeah your covered.

I'm going to try again in a few months and put in 5" coils with 36's, just to see what happens.

The only thing that sht me was the website clearly states monthly premiums available for all new members, but then I got told that this company (the underwriter) wouldn;t do monthly payments. False Advertisng I think its called

Post by **DIRTY ROCK STAR** » Thu Jun 03, 2004 8:16 am

Mate i have asked this exact Q a few times.

the other day someone gave me the number of a place with a 1300 number in Melb.

they were very helpful. im trying to dig up the number mate.

the only drama i had is im not quite 25. but they were sweet with mods and they were HEAPS cheaper then shannons (im with now) and TCIS blow goats! i found them not helpful at all, and just as expensive as shannons.

Post by **DIRTY ROCK STAR** » Thu Jun 03, 2004 8:24 am

Here is the bit i looked up, from AJFEROZA

Give DGA (Australian 4wd Insurance) a call: 1800 800 471

They're in Melbourne.....cheaper than TCIS in Adelaide: 08 8278 7000

Both will cover you on and off road.

Cheers,

_________________
AJ

Post by **TWISTY** » Thu Jun 03, 2004 10:17 am

-Nemesis- wrote:That's interesting cos after viewing their site they say they will insure with no limit on modifications so long as it's roadworthy!
..

This might be a bt of a stupid question as I view this in different ways. But does roadworthy also mean legal in your state??

My truck is deffinetly road worthy in a saftey sense, however it is illegal in QLD due to rims/tyres and 3" bodylift.

So do you think I would or would not be covered under there terms? I'm guessing probably not??

Post by **spazbot** » Thu Jun 03, 2004 10:28 am

correct, you rig must be road worthy in the eyes of the rta etc, you can have everything engineered etc etc and the car regoed but if your rims are to wide etc, it just give them an excuse not to pay out.

Post by **TWISTY** » Thu Jun 03, 2004 12:34 pm

spazbot wrote:correct, you rig must be road worthy in the eyes of the rta etc, you can have everything engineered etc etc and the car regoed but if your rims are to wide etc, it just give them an excuse not to pay out.

Thought so, stupid QLD rules....

Post by **bogged** » Thu Jun 03, 2004 12:43 pm

DIRTY ROCK STAR wrote:Give DGA (Australian 4wd Insurance) a call: 1800 800 471

Thats weird, everyone tells me how cheap they are, when I called for my GQ 5in lift etc etc, they were DOUBLE the other companies...

Im with Unique Car Insurance now...

Post by **-Nemesis-** » Thu Jun 03, 2004 3:09 pm

Nice truck Twisty_Toy! You should put a 1UZ-FE in it mate

Post by **TWISTY** » Thu Jun 03, 2004 3:21 pm

-Nemesis- wrote:Nice truck Twisty_Toy! You should put a 1UZ-FE in it mate

Thought that might have been you Bryan!!

1uz-fe will be one day!! maybe?

Post by **-Nemesis-** » Thu Jun 03, 2004 3:42 pm

The sooner i sell the XR8 the better then, maybe i should put it in the For Sale section here... Although it's not a 4b?

Post by **ISUZUROVER** » Thu Jun 03, 2004 5:32 pm

bogged wrote:
flat4 wrote:try shannons www.shannons.com.au.

They've just given me a good deal on my road car.

Steve

Shannons wont do 4b's

Yes they will as long as it is old enough. Shannons in QLD gave me a quote on my 1968IIA - and the guy giving me the quote had a nissan patrol insured with them.

Post by **-Scott-** » Thu Jun 03, 2004 7:13 pm

About 3 years ago Shannon's quoted me on my Paj - too expensive was the only problem, which is why I went TCIS.

As long as a terrorist doesn't blow it up, or God doesn't smite it (by having a terrorist blow it up?) I'm covered.

Scott

Post by **ISUZUROVER** » Thu Jun 03, 2004 7:21 pm

NJ SWB wrote:About 3 years ago Shannon's quoted me on my Paj - too expensive was the only problem, which is why I went TCIS.

As long as a terrorist doesn't blow it up, or God doesn't smite it (by having a terrorist blow it up?) I'm covered.

Scott

Or is a state of war is declared by the government, then everyone loses their insurance cover. Wonder if that includes the war on terrorism???

Post by **bogged** » Thu Jun 03, 2004 7:24 pm

ISUZUROVER wrote:Yes they will as long as it is old enough. Shannons in QLD gave me a quote on my 1968IIA - and the guy giving me the quote had a nissan patrol insured with them.

kewl.. I mentioned a 1991 patrol 4wd instantly got the Bzzzzzzzzzz... didnt mention mods or anything

Post by **bundytunna** » Thu Jun 03, 2004 8:33 pm

i got insurance with tcis
60 series with 3" spring and 2" bl and 35's
premium is 350
not bad i think
and yes bruce i am covered for the mods

Post by **HeathGQ** » Fri Jun 04, 2004 8:48 am

HeathGQ wrote:I just had a quote for my GQ. 3" coils, 2" BL, etc blahblah, and the premium was 600.

AT the same time, I got DGA for a quote also, and there was identical a few $$'s the difference.

Post by **TONKA PAJ** » Fri Jun 04, 2004 7:20 pm

Im with unique car insurance.
They cover on/off road, unlimited mods as long as they're legal, and im under 25 with a jap import 4by!!
I was expecting the worst, but im very happy with my premium (under $1000) and the coverage.
Try them...

Post by **-Nemesis-** » Fri Jun 04, 2004 11:47 pm

Do they have a website or is it just by phone?

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