Outer Limits 4x4 Board

Anybody using these guys?

I want to change from Just car so I can be covered off road.

Opinions on this insurer please...

thats DGA isnt it?

Plenty on them in the past

mabsydney wrote:Anybody using these guys?

I want to change from Just car so I can be covered off road.

Opinions on this insurer please...

I am with Just Car Insurance and am covered anywhere I can legally drive - including off road.

Are you sure you are not already covered?

I don't have it anymore but when Ifirst signed up I had them send me an email stating this so I am confident I am right.

Yeh is DGA,

I'm thru them, seem good tho never had a claim, they know about all my mods and are happy with em.

Had 2 mates claim thru them one in a sprung over 75 with 35's ran up the back of another car, got new bullbar n spot lights n fixed other car.

The other a GQ wagon 308, 6" springs n 37" wranglers, tree fell on it while @ yalwal, new roof and full respray.

Neither had any probs when making a claim...

A bit dearer but at least ya have peace of mind that ya car is covered with mods and offroad.

TAZZ wrote:A bit dearer but at least ya have peace of mind that ya car is covered with mods and offroad.

true. althogh they were double the price with my GQ compared to TCIS...

bogged wrote:

TAZZ wrote:A bit dearer but at least ya have peace of mind that ya car is covered with mods and offroad.

true. althogh they were double the price with my GQ compared to TCIS...

TCIS wouldnt insure my 80series because they thought 6" suspension lift was too big, from memory only insure upto 4".

Didn't care that it was fully engineered, and i had a protected no claim bonus from my last car with them.

I'm using Affinity Risk and they were a good price and cover me for offroad and all mods

grimbo wrote:I'm using Affinity Risk and they were a good price and cover me for offroad and all mods

is that the new association one?

Clown Boy wrote:

mabsydney wrote:Anybody using these guys?

I want to change from Just car so I can be covered off road.

Opinions on this insurer please...

I am with Just Car Insurance and am covered anywhere I can legally drive - including off road.

Are you sure you are not already covered?

I don't have it anymore but when Ifirst signed up I had them send me an email stating this so I am confident I am right.

Mmmm interesting, I just assumed they didn't cover me offroad, but I never actually asked! Haha, stupid of me. I'll give 'em a call and ask.

I'm finally getting around to fitting an immobiliser 1 year after buying the truck........lucky nobody's tried to nick it yet!

Just called them and they say you are covered as long as you are on a 'marked track'. So I am covered offroad, hooray!

That said I don't trust insurance companies and I'm sure they will find all sorts of reasons not to pay out for off roading mishaps.

Really comes down to the definition of a marked track.. on whos map really? Marked in the melways or vic roads country directory most likely.

If it is the same as mine, as I expect it would be, marked track is a funny term. They described it to me as somewhere I could legally be.

On the beach was an example I used - not a problem. Etc.

The places you are not covered are where vehicles are forbidden, ie private property or no vehicle access beaches.

Posted: Wed Jun 07, 2006 11:59 am

I am with Just Car Insurance and am covered anywhere I can legally drive - including off road.

im insured with RACQ in queensland
they say the same. as long as im not making tracks im covered if i have permision to drive on private property im covered 4wd parks included.

Clown Boy wrote:If it is the same as mine, as I expect it would be, marked track is a funny term. They described it to me as somewhere I could legally be.

On the beach was an example I used - not a problem. Etc.

The places you are not covered are where vehicles are forbidden, ie private property or no vehicle access beaches.

So, technically - if you are doing some elaborate crossing of the continent & it requires you to access private property (as some tracks do) albeit with the owners permission, & Big Red jumps through the windscreen of your truck ..... you are not covered!

Who do you then claim off?

The landowner who allowed you access via his property?

That doesn't seem right.....

bogged wrote:

grimbo wrote:I'm using Affinity Risk and they were a good price and cover me for offroad and all mods

is that the new association one?

yep. They seem to offer a good coverage at a good rate. Haven't claimed anything so don't what will happen then

koolkat wrote:

Clown Boy wrote:If it is the same as mine, as I expect it would be, marked track is a funny term. They described it to me as somewhere I could legally be.

On the beach was an example I used - not a problem. Etc.

The places you are not covered are where vehicles are forbidden, ie private property or no vehicle access beaches.

So, technically - if you are doing some elaborate crossing of the continent & it requires you to access private property (as some tracks do) albeit with the owners permission, & Big Red jumps through the windscreen of your truck ..... you are not covered!

Who do you then claim off?

The landowner who allowed you access via his property?

That doesn't seem right.....

Read my original post a bit closer - you are covered if you are legally allowed to be there. So if you have permission trhat is fine. When I said private property in that context I was meaning without permission (like the tracks off paradise road).

Ive been with them for 2 years now.

A bit dearer but give good service and we just put in a claim for a new windscreen......no probs at...no hassle

Re tracks etc I was told if the track is on any printed map your coverd...also SA beach's.

DGA (australian 4x4 insurance) just paid out for Frankenstine $28000 agreed value after it was stolen. They did put me through the ringer though, which I suppose you would expect concidering the original purchase price was $2500.
All modifications were listed and added value to the vehicle.
There was no restrictions to further mods though would not be covered.
Full cover off road and on road with no restrictions. Competition use was not mentioned.
The vehicle had to be fully compliant and road legal, engineered and transport approved.

I have just taken insurance for my new/replacement GQ flat tray with DGA and would highly reccomend them.
incedently,,, They are underwritten by CGU

[quote="DR Frankenstine"]DGA (australian 4x4 insurance)
Full cover off road and on road with no restrictions. Competition use was not mentioned.


I was also told that we are covered for everything but not comp or racing etc

grimbo wrote:

bogged wrote:

grimbo wrote:I'm using Affinity Risk and they were a good price and cover me for offroad and all mods

is that the new association one?

yep. They seem to offer a good coverage at a good rate. Haven't claimed anything so don't what will happen then

I’ve been with Affinity for 12 months and I'm currently having issues with my renewal. Yes they are the associations preferred insurer but after talking to the association today may not be for long. If you want details PM me. Looks like I will be going to DGA.

+dj_hansen+ wrote:Really comes down to the definition of a marked track.. on whos map really? Marked in the melways or vic roads country directory most likely.

Go home and with Photoshop mark a few new tracks on ya map, print them off!!!

I was with Affinity, but when they wanted $1500 to insure my 2001 V8 Grand Cherokee (stock, Rating 1 42 year old driver) I rang AAMI who my Wrangler is with and first quote was $903.

$600 in my pocket is better than theirs or 4WDVIC!

Im with DGA and have made a claim. Kinda pulled out in front of a Honda Jazz and kinda did $22000 damage to it! Oooops. But anyway, they paid my claim, fixed the cruiser, which is pretty heavily modified, and gave me a choice of repairer. I wouldnt go with anyone else.

so Your covered off-road.so say u need a towtruck to get u out

how will they go about getting a tow-out if ur in the middle of the scrub on some full on 4wd track

4x4Monkey wrote:so Your covered off-road.so say u need a towtruck to get u out

how will they go about getting a tow-out if ur in the middle of the scrub on some full on 4wd track

RACV Total Care for us Mexicans

I use to be with DGA, no problems and they paid the one claim I made and didnt jack up the price the next year.
But now I've got the Boat anchor, I need road side assistance for her, so Ive gone with NRMA. Have house with them as well so car is cheaper than DGA. But NRMA wouldn't cover my Zook. Asked them about off road and they said Im covered.
But, in the list of things they say they wont cover me for is " Your vehicle was being driven in a manner which resulted in a deliberate exposure to exceptional danger, or any wilful or reckless act. Remember that next time your trying jeep hill or such track.

Zute wrote: " Your vehicle was being driven in a manner which resulted in a deliberate exposure to exceptional danger, or any wilful or reckless act. Remember that next time your trying jeep hill or such track.

That statement covers them for you doing anything...

bogged wrote:

Zute wrote: " Your vehicle was being driven in a manner which resulted in a deliberate exposure to exceptional danger, or any wilful or reckless act. Remember that next time your trying jeep hill or such track.

That statement covers them for you doing anything...

Agree, that's the kind of BS insurers pull all the time, pack of lying c**** if you ask me!

mabsydney wrote:Agree, that's the kind of BS insurers pull all the time, pack of lying c**** if you ask me!

Couldnt agree more.. having gone through 4+yrs of bullshit after my accident, daily having pricks following me, etc etc, i have little respect for the vaginas.

I'll be interested to see what happens with the association and insurance since the carrot was dangled and they foolishly bit..

Zute wrote:I use to be with DGA, no problems and they paid the one claim I made and didnt jack up the price the next year.
But now I've got the Boat anchor, I need road side assistance for her, so Ive gone with NRMA. Have house with them as well so car is cheaper than DGA. But NRMA wouldn't cover my Zook. Asked them about off road and they said Im covered.
But, in the list of things they say they wont cover me for is " Your vehicle was being driven in a manner which resulted in a deliberate exposure to exceptional danger, or any wilful or reckless act. Remember that next time your trying jeep hill or such track.

i WAS with NRMA until i got my old courier stuck about 1km off road and they said "they dont think there winch will reach that far ?" what the ? it was on a mapped dirt track .

i am now with AAMI and they cover off road as long as its a mapped track but since i know have a zook and a patrol i don't get stuck to see if they will recoverme