Outer Limits 4x4 Board

Cooee, are you covered OFFROAD with AAMI??

I'm with AAMI (2" coil, 2" body) and I ran them yesterday to see if I'd be insured on the beaches at Robe, SA - the guy got his supervisor, they pulled out the policy book and stated that I'm covered Australia wide - so long as I'm legally allowed to be there (and that covers private property, so long as your not trespassing), I'm covered - and they're sending the policy book out to me.

So I'd definitely give AAMI a call, they've always looked after me (and there's even a real person answering the phone when you call!).

Ben wrote:

Cooee, are you covered OFFROAD with AAMI??

I'm with AAMI (2" coil, 2" body) and I ran them yesterday to see if I'd be insured on the beaches at Robe, SA - the guy got his supervisor, they pulled out the policy book and stated that I'm covered Australia wide - so long as I'm legally allowed to be there (and that covers private property, so long as your not trespassing), I'm covered - and they're sending the policy book out to me.

So I'd definitely give AAMI a call, they've always looked after me (and there's even a real person answering the phone when you call!).

i will give them a call today to see what the deal is with my car.

grrr i just rang em and no one under 25 with mods allowed

just rang just car insurance and they cant insure me. so i will keen looking.

I used to be with AAMI, they were okay. They wouldn't insure a 2" body lift, but had no problem with a suspension lift.

I had to claim through them, there was a dispute with who was at fault. AAMI repaired my car and then argued with the other guys insurance company (TCIS lol!) about who was at fault.

I had to pay all my excesses up front, over $800 at the time, and when it was finally agreed I was not in the wrong I got the refund some 6 months later

Ferwoaza wrote:I used to be with AAMI, they were okay. They wouldn't insure a 2" body lift, but had no problem with a suspension lift.

I had to claim through them, there was a dispute with who was at fault. AAMI repaired my car and then argued with the other guys insurance company (TCIS lol!) about who was at fault.

I had to pay all my excesses up front, over $800 at the time, and when it was finally agreed I was not in the wrong I got the refund some 6 months later

6 months is a long time, at least u got it though!

I know 6 months is a long time..and it was only that quick because I hounded them every week!

Ben wrote:... out the policy book and stated that I'm covered Australia wide - so long as I'm legally allowed to be there (and that covers private property, so long as your not trespassing), I'm covered - and they're sending the policy book out to me.

Ask them if your covered on a Club Trip, not a competition, just a club trip, and then ask for it in writing.. One bloke couldnt get them to do it, thats the one I was talking about.

bogged wrote:

Ben wrote:... out the policy book and stated that I'm covered Australia wide - so long as I'm legally allowed to be there (and that covers private property, so long as your not trespassing), I'm covered - and they're sending the policy book out to me.

Ask them if your covered on a Club Trip, not a competition, just a club trip, and then ask for it in writing.. One bloke couldnt get them to do it, thats the one I was talking about.

Isnt a club trip a social outing ??? If they were to bring this up in court (if it got to that stage) what is different about traving (legally) as a single vehcile or in a convoy .. ( I rekon it's still a good idea to get that sorta stuff in writing though as who wants tpo battle an insurance company in court ... ) Of course your vehicle is still entirely roadworthy at the time of the accident though isnt it ... noo swampers or larger offorad tyres to be seen ...

I agree with what Grant said - be up front with them, or we all end up paying.

I rang TCIS about the tyres on my Pajero - technically 31" tyres are too tall on my car (by abouth 7mm!) The manager I spoke to said LEGALLY they could only refuse a claim if the defect contributed to the accident.

On the subject of Roadworthy - if I run 35" tyres on private property, and roll the car on a side slope, am I covered? The taller tyres might have contributed, but the vehicle doesn't have to be Roadworthy if its not on a road?

Scott

love_mud wrote:Isnt a club trip a social outing ??? If they were to bring this up in court (if it got to that stage) what is different about traving (legally) as a single vehcile or in a convoy .. ( I rekon it's still a good idea to get that sorta stuff in writing though as who wants tpo battle an insurance company in court ... ) Of course your vehicle is still entirely roadworthy at the time of the accident though isnt it ... noo swampers or larger offorad tyres to be seen ...

I agree with you, its a social thing!!! Isnt that why we join clubs?

I agree with you get everything in writing. AND get COMPLETE names, and log times that you spoke to that person, what branch they are from, employee #, anything to narrow it down. THen ask for it in an email, and also by snail mail on a company letter head.

Anyway, This is what the bloke wanted to know... he couldnt get a straight answer, after all your only talking to a pleb on the phone, he ended up in an email convo for weeks with the boss of one branch, it was on Exploroz I think...

I think after ages, he finally got something, not a direct answer (cant really remember and cant find it)...



I was on compo after my accident for just on 4yrs. I dealt with Zurich, NRMA, and CGU EVERY FUCKIN DAY..

The shit I went thru, and had to produce, the things I was told was true one day by some pleb to be told the opposite the next day fucked me off more than you will ever know.

NJ SWB wrote:On the subject of Roadworthy - if I run 35" tyres on private property, and roll the car on a side slope, am I covered? The taller tyres might have contributed, but the vehicle doesn't have to be Roadworthy if its not on a road?

Scott

I would say no.

NJ SWB wrote:
On the subject of Roadworthy - if I run 35" tyres on private property, and roll the car on a side slope, am I covered? The taller tyres might have contributed, but the vehicle doesn't have to be Roadworthy if its not on a road?

Scott


I would say no.

That's what concerns me most I guess. In states like QLD with draconian tyre regs it doesn't really matter how legal/ sensible other mods are if I have 31's on my suzuki then insurance is void Ok I could cop losing a $2500 zook but I don't have the millions in personal liability etc because an UNroadworthy vehicle IS UNinsured.

cause they love paying out.. ... cause they love paying out..

I think Bogged summed it up

If this has already been mentioned then sorry for the Double Up ...

Anyway, having a good mate who runs one of the RACQ Branches up here in QLD I asked him about this stuff and modified vehicles. He had a bit of a chuckle and said it was funny how people thought they could sneak one past the insurance aganecy by getting stuff in writting and sending in photos etc etc. At then end of the day all insurance is void if the vehicle is not roadworthy and registered. Well up here in QLD as soon as the vehiclke has any mods which are not approved the vehicle is deemed to be unregistered.

The flow on effect is that the Insurance agencies don't really need to police it as the transport dept and police do. They insurance people are quite happy to list any mods and say just about anything as if your vehicle has illegal mods then it is unregistered and therfore they do not have to pay up when you smash and cracsh.

He said 3rd party pers was a little different but the rest were all the same.

There are several cases each year where insurance was turned down on these grounds and as expected some of them go too court. They haven't had to pay a single claim yet as all vehicles have been deemed to be unregistered at the tim eof the accident.

Bottom line is that Insurance Agencies are not responsible to ensure the vehicle and the modifications it has are legal, that is the owners problem. They allow you to list them only to allow assesment on the value, not to approve them as legal and covered regardless of what the law says.

Anyway I hope this helps.