Bomber2012
Well-Known Member
If you are insured with Shannons you will need to check your policy .
Changes to Shannons insurance policies .
- Thread starter Bomber2012
- Start date
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
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.
Bomber2012
Well-Known Member
Policy Documents
Looking for policy documents? Find the relevant documents that contain exactly what you're looking for from Shannons Insurance policies today.
Bomber2012
Well-Known Member
smitty_r51
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!)
Bomber2012
Well-Known Member
It does state "driving into water" so does that include puddles on the road ?
smitty_r51
Well-Known Member
When I asked club 4x4 on here there answer was a puddle is an accident so would be covered, a river crossing was a conscious decision so I would be liable for their excess
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. 
.
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.
.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.
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"
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 -
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?
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?
Bomber2012
Well-Known Member
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.
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.
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.
