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Post by kiwijim on Aug 6, 2008 9:45:56 GMT 10
G'Day all. Can any-one tell me which insurance companies in OZ have cover for Classic Caravans, ? 2/ has any-one got an agreed value cover on their van ? I have been knocked back as most companies I have contacted will only cover vans up to 20 years old. the Thomson......."hell she's 38 and growing"  cheers all.... kiwijim  |
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Post by peterc on Aug 6, 2008 10:49:55 GMT 10
hi kiwi jim,
I use RACQ here in sunny QLD, my van is a '74 viscount, (agreed value $5000), but I only got insurance
"because you are a GOLD member, and you have two vehicles and house and contents insured with us".
peter.
PS. DITZY,
how do i read personal messages.
pete
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Post by peterc on Aug 6, 2008 10:53:28 GMT 10
HI Ditzy,
I just read the HELP page, now I know.
When all else fails, read the instructions.
peterc
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Post by ditzy on Aug 8, 2008 11:48:42 GMT 10
kiwijim,
I have in pretty good authority that GIO insure vans if that era....... apparently VV members have their vans insured with GIO...... So you could give them a try.
Ditz
PS. perterc ,,,, when in doubt read the destructions............ ;D ;D ;D ;D ;D and if that does not help throw the computer against the wall it alleviates the stress..... ;D ;D ;D ;D ;Dhahahaha.
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Post by Deleted on Aug 11, 2008 21:57:57 GMT 10
Gday All
I check with NRMA and they wont do 3rd party on a van but only full comprehensive insurance...BUT...and you know the drill only if you have are gold card holder with house,constance and car insurance.
cheers Bazz
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Post by keelz on Aug 11, 2008 22:10:00 GMT 10
Our 79 Viscount thru NRMA caravan insurance here in NSW. Covered for agreed value, only thing they wouldn't cover was an old annexe, etc..........Well i couldn't insure something that gave itself a 50% off sale when i picked it up and it tore itself into two pieces anyhow when i collected the van originally! ;D  keelz |
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Post by kiwijim on Aug 12, 2008 5:52:32 GMT 10
G'Day all. thanks for the helpful info, I have tried to get an on-line quote from GIO.... no luck, shall have to spend a bob and give them a call. how do you put a value on something you have been rebuilding for the last nine months and it's ...... 1/ 38 years old, 2/ the only one of it's kind in Aussie, 3/ fully licensed 4/ has new gas certificate 5/ has new electrical compliance 6/ has smoke detector and fire extinguisher "GEE" I could go on forever with the things I have bunged into it !!! cheers all kiwijim |
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Post by kiwijim on Aug 13, 2008 5:34:42 GMT 10
G'Day All, the caravan insurance problem is solved, rang a sweet little thing at GIO this morning....not a problem $ 10.000 agreed cover, ;D $ 500.00 contents cover ;D $ 300 awning cover ;D $ 100.00 excess all for a bit over $ 100.00 p/a ;D and they also have a 24/7 help line. cheers all, kiwijim (Happy little Classicmite) ;D ;D ;D |
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Post by millard1399 on Apr 15, 2010 19:31:17 GMT 10
G'day All, Went hunting on the internet today for insurance coverage for the Millard. Tried AAMI, since all of our other insurances are with them, but during an attempt to get a website quote, they only allow a manufacturing date of vans back to 1981. Tried the GIO website, but for vans you have to ring them for a quote. My first question: "Do you insure caravans made in 1977? That is, ones that are 33 years old?""Yes", she says. "How much do you want to insure it for?" "Ummm...gees, I dunno. Would $10,000 be too much?""Ok, $10,000. Does it have an annexe?" "Yep.""How much do you want to insure the annexe for?" "Ummm...gees, I think they're about $1500 for a new one, so make it $1500.""How old is the annexe?" "Ummm...gees, I dunno. Maybe about 10 years old I guess.""Ok, a year 2000 annexe. Do you want the $10,000 cover to include the annexe, or have extra cover for the annexe?" "Ummm...maybe we'll include it eh?""Ok, $10,000 cover for the caravan and the annexe. That'll be $158.25 for one year's premium. Contents cover of $500 maximum is included in the policy. Excess is $200 plus another $300 for an "aged caravan." (pre-1985) "So, you pay the first $500 of any claim. We'll send all the paperwork out to you, but you're covered as of now. Have a nice day!" "Thanks!!"-------------------------------------- As you can see, I was really knowledgeable at my end of the phone.   However, the whole process was very quick and easy, and the premium seems to be good value. A few questions to the forum: 1.) How much does a new annexe actually cost? (Hope that's not a 'how long is a piece of string' type question .) 2.) What would be a reasonable amount for contents coverage in a caravan? 3.) Is this premium really good value for the sum insured?? When the paperwork comes, we can adjust any of the figures on the forms, and they'll adjust the premium accordingly. cheers, Al. |
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Post by Deleted on Apr 16, 2010 18:53:06 GMT 10
Hi everyone, I've had a similar experience with insuring both my van and WRX, as mentioned it's not easy getting insurance for 30+ year old van's, WRX's are probably even harder. Anyway to the point... What I've found is when you actually get your policy it will have the wording $XXXXX or market value (which ever is lesser). Now I'm not saying the previously mentioned insurer's policy states this as I've never had experience with them but please be careful. In my case the insurer of my van was happy to work out a premium for me and take my hard earned cash based on my estimated $7500 replacement, but only ever had the intention of paying out (in case of a write off) $3000 So yeah, I was getting ripped off, paying too much premium!!! Very similar story on the WRX, had a premium based on "agreed" value only to find the "or market value, which ever is lesser" clause was in the policy. So it may be worth a check just to find out in the event of a write off are you going to get your 10G's or are you going to get their idea of "market value"  Hope I haven't confused you guys and girls but I've just learned (probably by owning a modified WRX) that insurance policy's can sometimes be misleading Chris |
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Post by millard1399 on Apr 27, 2010 12:12:54 GMT 10
G'day All, I've moved this thread over from the General section. We are still working our way through the insurance coverage process for the Millard. We received the paperwork last week, and following Chris's comments above, I went through the Policy booklet with a fine toothed comb. On page 26 was the section: "When your vehicle is a total loss" followed by a paragraph which said, "If we accept your claim and decide your vehicle is a total loss or your vehicle is not found after being stolen, the amount we pay you depends on the market value or amount shown as the sum insured on your Certicificate of Insurance." Fair enough...but what determines whether it is 'market value' or 'amount insured'?? On to the call centre. The girl read the page and wasn't sure. On hold for a minute while she checked with the supervisor. Answer came back "It depends on the assessor. If the assessor thinks the market value of the van and the insured value are pretty close together, you get the insured value. If the van has deteriorated, or wasn't worth the value to begin with, you get the market value." Me: "So, the onus is on the person insuring to get the market value and insured (agreed) value pretty close??""Yep." So, we had a rethink about the amount we've insured for. Never seen a van from the Classic era sell for $8500 (my valuation), so we lowered the amount. Majority of Classic vans I've followed have sold for between $3000 and $5000. Not many restored Classics coming on the market to establish a 'market value'. We lowered it to $5500 for the van, plus $1500 cover for the annexe. Annual premium fell from $158 for $10,000 to $118 for $7000, a drop of $40. To me, there's no point in paying for extra insured value, when you are never going to get that value anyway (as Chris points out). ----------------------------------------------- The other point I raised with the call centre was that the paperwork didn't show the 'aged caravan excess' of $300. Again, she couldn't give an answer, so off to the supervisor once more. Response was that they didn't understand why I'd been given that information, because there's no such thing as 'aged caravan excess'. The only time there's an additional $300 excess is when an underage driver is driving the vehicle. So, was the first girl I originally rang right?, or was the second girl right?? The first girl was quite specific about the 'aged excess' applying to vans pre-1985. Revised paperwork for the lower insured value is coming this week, so I'll double-check whether the extra excess is showing there or not. If not, they've got buckleys of me ever paying it if they've made a mistake. cheers, Al. |
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However, the whole process was very quick and easy, and the premium seems to be good value.