4WD AUST - INSURANCE

1
4WD AUST - INSURANCE

• Presented by the
• 4WD AUSTRALIA
• TCIS Insurance Brokers
• A broker who speaks your language

2
Who is TCIS

• Australian Financial Services Licenced General
  Insurance Broker
• Member of
• National Insurance Brokers Association
• Insurance Brokers Disputes facility
• Legally able to represent members

3
4WD Vehicle

• Panel of insurers used - why?
• Protection from changes in direction of
  individual insurers
• Able to insure broader range of vehicles ie
  highly modified
• Stability

4
4WD Vehicle

• Modified vs Accessorised - the difference?
• Accessories are added to a vehicle - may increase
  the overall value
• Modifications replace existing components and do
  not increase value
• Most insurers limit accessories to 10
• We allow up to 50 accessories
• Most insurers will not touch modifications
• We allow most legal modifications

5
4WD Vehicle

• Agreed value vs Market value
• Market value changes daily, agreed is fixed
• All accessories and modifications should be noted
  on both policy types
• Noting accessories on a market value policy does
  not increase the market value, it simply notes
  them in case of theft etc.
• Agreed value usually costs more as you are
  insuring for a higher figure
• Market value is OK with few accessories

6
4WD Vehicle

• Why use our facility?
• We have no geographic restrictions, you are
  covered throughout Australia includes
  travelling on beaches, barges etc.
• We have no usage restrictions except for
  competition. ie you can use the vehicle for the
  purpose you bought it!

7
Home Contents

• Accidental damage or standard policy options
• Personal property Australia wide
• Low excess
• Monthly or annual payment
• 20 discount to club members

8
Camper TrailerCaravan

• Market Agreed value options
• Full off road cover
• Contents can be included
• On site vans can be covered
• No depreciation on canvas component of camper
  trailers

9
Camping Equipment

• Complete cover for those travelling the bush
• Covers gear at campsite, in tents and open air ie
  generators, fridges, swags
• Gear in or on vehicle must be secured
• Fire, perils, and theft
• Not intended for jewellery, electronics goods etc
  where accidental damage or loss cover is needed
  via home contents
• Only policy we know of covering camping goods in
  open air

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How do you get cover?

• Get all the forms you need on the TCIS web site -
  follow the prompts
• www.tcis.com.au
• www.4wdaustralia.asn.au
• Fill in our brochure slip and post back to TCIS -
  we will ring you near due date
• Phone TCIS toll free 1800 633 745, we will
  probably ask you to fill in a form to ensure
  information is correct
• Fax TCIS on 08 8278 8555
• Email
• 4wd_at_tcis.com.au
• insurance_at_4wdaustralia.asn.au
• Contact your club insurance officer

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• Agreed or Market Value
• Full off road cover
• Full value of accessories
• Legal Modifications OK
• Outback recovery
• 4WD Insurance
• You only get What you pay for!