4WD AUST INSURANCE

1
4WD AUST - INSURANCE

• Presented by the
• Australian National Four Wheel Drive Council
• TCIS Insurance Brokers

2
What is the ANFWDC Insurance Scheme

• A general insurance program designed to meet the
  specific needs of club members
• Four main contracts
• 4WD Motor
• Home Contents
• Camper trailer / Caravan
• Camping Equipment
• Uses only Australian licenced insurers
• Managed by TCIS Insurance Brokers

3
Who is TCIS

• Australian Financial Services Licenced General
  Insurance Broker
• Member of
• National Insurance Brokers Association
• Insurance Brokers Disputes facility
• Offices in 4 states
• Premiums in excess 12,000,000
• Legally able represent our members

4
History of the facility

• 4WD insurance set up in 1990 in SA
• Nationalised in 1992
• Other types of covers where added
• Various sole insurers used until 2002 when a
  panel of insurers was established to provide
  greater flexibility of contracts and stability
• Broad range of covers options are now available
  to members

5
4WD Vehicle - 1

• Panel of insurers used - why?
• Protection from changes in direction of
  individual insurers
• Able to insure broader range of vehicles ie
  highly modified
• Stability
• Allianz, Vero, CGU, Suncorp,Lloyds others
• All Aust licenced - most important
• All settle claims locally

6
4WD Vehicle - 2

• 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
• Most insurers will not touch modifications
• We allow up to 50 accessories
• We allow most modifications - must be legal

7
4WD Vehicle - 3

• 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 if few accessories

8
4WD Vehicle - 4

• Why use our facility?
• We have no geographic limit ie you are covered
  throughout the Commonwealth of Aust without
  restriction - beaches, barges etc.
• We have no usage restrictions except for
  competition. ie you can use the vehicle for the
  purpose you bought it
• Most modifications permitted
• Agreed or market value options
• Proven claims settling ability

9
Home Contents

• Two of Australia's largest insurers
• Accidental damage or standard covers
• Personal property Australia wide
• Optional overseas extension for personal property
  items
• Cover sitems excluded from camping equipment
  policy
• Low excess
• Monthly or annual payment
• 20 discount to club members

10
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
• Competitive premiums

11
Camping Equipment

• Adjunct to camper trailer or 4WD policies
• Completes cover for those travelling the bush
• Covers gear at campsite, in tents and open air ie
  generators, fridges, swags
• Once in or on vehicle gear must be secured
• Fire, perils, and theft
• Not intended for jewellery, electronics goods etc
  where accidental damage or loss cover is needed.
• Only policy we know of covering camping goods in
  open air

12
New Service - Finance

• Through our sister company TCIS Financial
  Services Pty Ltd Ltd we now licenced to offer a
  full range of financial deals to members
• 4WD 2WD Vehicles
• Caravans camper trailers
• Home mortgage
• All forms of business loans
• Give us a call before you sign up your finance
• We can save you time and money

13
How do you get cover?

• Get all the forms you need on the TCIS web site -
  follow the prompts
• www.tcis.com.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
• Contact your club insurance officer