Changes to Shannons insurance policies .

mac_man_luke

Well-Known Member
be interesting to see if thats not in all insurance PDSs

You would think its there to cover the idiots and full blown fraud but you would want it in writing from someone more than a customer service person
 

smitty_r51

Well-Known Member
if it is not the case they need to get onto it quick as it is all over the internet forums as being a thing...have not seen any confirmations yet from someone else checking their policy.
 

smitty_r51

Well-Known Member

Bomber2012

Well-Known Member
it is down to that definition isn't it. it says "reckless" act

if you have stopped, assessed the crossing and driven through on a ford is it reckless? or is it using the vehicle in it's intended manner on a legal right of way?

Who gets to make that decision? (don't answer that...i know in the event of a claim you are going to have no chance!)
It does state "driving into water" so does that include puddles on the road ?
 

phs

Well-Known Member
Maybe the operator may have mislead you a little, you would think Reckless should not include tracks with water crossings

but that statement could be interpreted in any way so I would just move on
 

mrdenn1s

Member
Does Club 4x4 have the same issue? I'm with Shannons but their new PDS clearly givesthem the ability not to pay you for river crossings
 

rogerazz

4x4 Earth Contributer
My personal experience with car insurance over fifty seven years is been a test on many occasions. When you talk to the people who sell you the insurance , don't go there. :eek: .
When a claim is made say for a write off (my kids had two cars and a motor bike written off, which I fought and won) or for any big claim, the insurance investigator's job is to try hard as hell to deny your claim. Good for their insurance business and that is why they pay investigators to find any evidence no matter how suss to not pay out.
If you are concerned about a particular cover, write an official letter to the company, cc. fair trading head office, whatever and get a written response for your files.
 

Jackbyo

New Member
PDS is everything. Doesn't really matter what the rep says on the phone.

I'm with AAMI who also state no cover for "Driving into water". The rep said something to the effect of "If you take all precautions, you may still be covered", but I wouldn't bank on that.

Club4x4 do have a water crossing feature, but with a massive extra excess applied (20% of your payout total I believe).
A bit off topic, but I also had a bunch of other problems with them when getting a quote. Specifically that they increase your premium for claims even if you're not at fault. In my case, I had a motorcycle stolen and written off, the thief charged and convicted, no excess paid by me. Club4x4 wanted to raise my premium significantly for this. My quotes from AAMI, Allianz, NRMA etc weren't affected as it was a "Not at fault claim"
 

madmonk

Active Member
Their PDS says -
Any intentional or reckless act by you, the driver of the vehicle or by a person acting with your express or implied consent (such as street racing, burnouts, donuts, driving into water, illegally using a mobile telephone, driving at excessive speed).
From Dictionary.com -
Intentional - done with intention or on purpose; intended
Reckless - utterly unconcerned about the consequences of some action; without caution; careless (usually followed by of)

The kicker is the use of "or". I read this to mean that if a claim will be cancelled for an intentional act as for a reckless act. i.e. I take a bunch of precautionary steps before fording a creek. I walk the path first, I use a water barrier, I enter the water slowly etc. None of this matters to Shannons as it was my intent to attempt the crossing.

I suppose at the end of the day, it will come down to if you make a claim and have it disallowed, do you have the resources to argue the wording of the insurance contract?
 

Albynsw

Well-Known Member
If your vehicle has a stated wading depth from the manufacturer I would think that you have not been reckless if you haven’t exceeded that
 

phs

Well-Known Member
^ fair call too

but still you won’t know until you try to make a claim.

I guess This has come about as a lot of people must be drowning there Cars, probably a fair few from being irresponsible.

What is irresponsible, Skip to 18:20 on this video what are your thoughts ?

 

Bomber2012

Well-Known Member
^ fair call too

but still you won’t know until you try to make a claim.

I guess This has come about as a lot of people must be drowning there Cars, probably a fair few from being irresponsible.

What is irresponsible, Skip to 18:20 on this video what are your thoughts ?

"Reckless Act" ???
 

Warby

Well-Known Member
I'm not sure if irresponsible is the right word, but he definitely took a risk entering that water without checking it first. That it was sketchy was reflected in the comments of everyone in that piece of the clip - None of them were sure that it was going to be OK, but they decided to have a crack.

I don't think it was entirely reckless - He made a decision based on his risk tolerance, vehicle capabilities and experience and it worked out OK for him on this occasion. Somebody else in a different vehicle, or with a different level of experience & driving style, may very well have ran in to issues in the same circumstance.

It also depends on how familiar he is with that area and section of track... Does it run like this frequently? Has he crossed here several times before and knows what the bed is like? etc etc..

There's a spot at the mouth of the fortescue river in WA that we used to cross frequently when i worked at a mine site nearby, at times it could look quite gnarly but we knew exactly what to expect and never had any issues.. If someone had videoed one of us though I'm sure it would have looked irresponsible.
 

rogerazz

4x4 Earth Contributer
Hey! At the end of the video he said "It was an awesome day". Not sure what the Missus and kids in some of the vehicles reckoned???
Night time, never done that river before?, to cold and fast to walk? river looked like it was getting worse,? "lets have a crack"? Hmm!
Main thing is if you have electric windows, keep them down so you, the missus and kids can jump out if it tips ;).
 

Warby

Well-Known Member
Hey! At the end of the video he said "It was an awesome day". Not sure what the Missus and kids in some of the vehicles reckoned???
Night time, never done that river before?, to cold and fast to walk? river looked like it was getting worse,? "lets have a crack"? Hmm!
Main thing is if you have electric windows, keep them down so you, the missus and kids can jump out if it tips ;).
Yup... With my kids on board I'd definitely be wanting to walk that first, probably with the winch tied around my waist. I'd much rather be cold and wet than have my kids washed downriver.
 
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