Monday, Jan 10, 2022 at 19:30
Taking out a policy for 'the one trip', only to cancel it and go to a cheaper option that doesn't offer recovery cover after your trip is, in my view, dishonest. Club4x4 charges more to annual customers as it includes this recovery in the policy. When was the last time you heard an insurance company just ringing up randomly and cancelling your insurance? Never. Would you be pretty pissed if it occured just before your trip that you had planned? Just the same, but on the other foot as far as I can see. I guess we will agree to disagree on the honesty side.
I am not talking about 'crash' insurance either. That's covered by everyone.
Get stuck on Big Red, due to whatever, and if you need to get recovered - Club4x4 will cover that. Get stuck in the
Vic High Country on a 4WD track, and need professional Mog or similar 4wd recovery to come out - Club 4x4 will cover that. No others will. As you suggest - with the others you will need to be 'recovered' to the nearest road.
f you were in your remote valley without mates / contacts - then you could call the nearest recovery mob (wherever they may be) and get them to recover you from that valley to a gazetted road or nearest town. Again - Club4x4 will cover you for that (up to $1500 (default), $15,000 or $30,000 depending on your choice at time of taking the policy out). NRMA and the rest will require you (as yours did) to be recovered independently to the nearest 2WD gazetted road (sealed or unsealed). If, as in your case, you're fortunate to have understanding passers-by then great. But I just elect not to rely on that (only because of small kids - once they go likely follow your option).
Yes, you have to organise your own recovery (so prepare and know who's around). But the cost is covered.
Not sure why'd you'd never insure with them - I have had nothing but positive results with them so far. And they insure our vehicles for what the car is worth, plus all the modifications (and the price of them) if you so choose. Again, not many others will do all this (Shannons is one).
AFAIK, you cannot just get their 'recovery' insurance part without taking out full comprehensive cover.
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