D
Deleted member 69390
Guest
Not sure but I believe it is required when you take out a policy rather than when you make a claim. I think there was something about it pages back in this thread.
Club 4x4 insurance new excess
- Thread starter CaptainBanana
- Start date
CaptainBanana
Well-Known Member
Basically your local governing body for licensing ie Vic Roads in Victoria will issue a summary of offences held against you in the past four years for example.
if you've told club four by four you've had no offences then you make a claim and provide that summary which shows you actually have had an offence they will potentially knock back your claim.
I also have not been asked by any other insurer to provide this before or after a claim.
if you've told club four by four you've had no offences then you make a claim and provide that summary which shows you actually have had an offence they will potentially knock back your claim.
I also have not been asked by any other insurer to provide this before or after a claim.
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sharkcaver
Well-Known Member
I know of one ex club 4x4 member that had to supply a $60 driver offence report from WAPOL at his own expense before his claim would proceed. And IIRC, didn't Aaron also mention that in his "I had 2 claims report", linked a page or so back?
Seems to me its SOP for club. I've never heard of anyone else making a claim elsewhere having to provide thus evidence of their driver record.
Seems to me its SOP for club. I've never heard of anyone else making a claim elsewhere having to provide thus evidence of their driver record.
In Qld, insurers can, and often do, request a traffic history from Qld Transport and/or a criminal history from Qld Police to support an insurance claim due to inconsistencies between the insured’s version of events and the police’s investigation. Not an unknown request.
Tink
Tink
Blue_haired_man
Well-Known Member
I’m 99.9% sure insurers have the ability to do just that Australia wide.
Sounds pretty piss poor to me to force a customer who has already paid their premium/excess to then pay to get a drivers history report from the relevant state registry because the insurance company couldn’t be bothered gathering the relevant information themself.
Sorry, badly worded on my behalf. Meant to say:
In Qld, insurers can, and often do, request the insured person making the claim to obtain their own traffic history from Qld Transport and/or their own criminal history from Qld Police to support their insurance claim due to inconsistencies between the insured’s version of events and the police’s investigation.
To my knowledge a third party, eg an insurance company, can NOT access traffic or criminal histories of individuals. The insurance companies can access the police’s traffic accident report but pay the government a fee each time they request a copy.
Tink
And that was because there were no inconsistencies between your son’s version and the police report. No need to look further.
Tink
Aaron Schubert
Moderator
Yep, I had to call into the Broome cop shop and get a drivers report. From memory it was $26.00 and they didn't have any change. Club 4x4 refunded the price. It's was inconvenient, but not much to be fussed about in the grand scheme of things.
I think they are just covering their bases, and I expect insurance to become a bit more complicated in the coming years, in general.
Aaron
Paddler Ed
Well-Known Member
I actually see it moving to more personal rather than vehicle based; this is the norm in the UK and a few other places.
As people want to see lower premiums, there will be more questions and less general cover than there is currently. The main questions I don't get asked when getting insurance here in Australia, but I did in the UK are:
1) What do you do for a job?
2) Where do you park if you drive to work?
3) How many km's are you doing in a year?
4) Who else is driving (and then 1 & 2 again)
The other big difference is that vehicles in the UK must have at least 3rd party insurance, so everyone gets asked these same questions - in fact, comprehensive can be cheaper than TPF&T because it is perceived to reflect different risk approaches.
Those questions all shape the risk profile further, and there is the statistical evidence to back it up. In turn, and this is perhaps an unintended outcome, we might see a decline in P-platers wrapping themselves around trees and poles in older vehicle that are perceived to be safe because they're big (forgetting the 3.something or 4 litre 6 cylinder in the front that transfer power to the rear axle) as the cost of insurance based on vehicle risk and driver risk becomes too great (bearing in mind, we now know more about any drivers of the vehicle)
For some, that'll mean a decrease in insurance, others will incur an increase. Those that incur the increase, might choose not to take insurance, which is their own choice... I'd expect insurers to come after those at fault with no insurance with a new found enthusiasm in a bid to keep customer insurance costs down.
Ed
Blue_haired_man
Well-Known Member
Thanks for the clarification, I read it as the total opposite. I’m actually surprised that insurance companies can’t access traffic records. After all there are only a handful of underwriters backing these insurance providers who are also dealing with insuring the same government departments.
I guess there had to be a first of govco not giving out our information.
smitty_r51
Well-Known Member
Got asked all of these at my last renewal on three cars three different companies... Including for my son who is only 17 on his l's
sharkcaver
Well-Known Member
I see now that they are going to soon offer Drone & Selfie Death Coverage.
I dread to think what excess that will be
Les PK Ranger
4x4 Earth Contributer
Big-Trev
Well-Known Member
well after Two years with club 4x4 and very happy with there service , the time has come to leave them. My premium has gone from 85 per month , to 157 per month for less cover. This insurance company knows how to get rid of clients. I can tolerate a small increase but to double my premium and give less for it ,that is not on . If you want to be a specialized insurer you still need to be competitive.
Any way they will not be around for long if they keep this up . Even with specialty cover its just to over the top for the average 4wdriver.
Any way they will not be around for long if they keep this up . Even with specialty cover its just to over the top for the average 4wdriver.
sharkcaver
Well-Known Member
You can guarantee they will be watching the numbers weekly. The mass exodus and declining revenue will ring alarm bells and they will evolve - just like any business has to do. But to be fair, they are in a "high risk", niche market. Without numbers onboard to spread the load, they have a hard task at hand. 40K GU patrols and water damage are their risk, but also their nemesis. I hope they can find find a way around that.
Albynsw
Well-Known Member
This thread is a prime example as to why companies don’t participate on forums, the Mitsubishi thread is the same.
There is no upside for them getting involved as the vibe is overwhelmingly a negative one and ultimately does more damage to their brand than good.
Companies that sit quietly tight lipped in the corner fair much better than those that come out in the open to face the mob.
Just sayin.
There is no upside for them getting involved as the vibe is overwhelmingly a negative one and ultimately does more damage to their brand than good.
Companies that sit quietly tight lipped in the corner fair much better than those that come out in the open to face the mob.
Just sayin.
