CLUB 4X4 INSURANCE POLICY

WE insured the Isuzu D-MAX with Club 4X4 Insurance for a few very important reasons. Firstly, it specialises in four-wheel drive insurance, and understands what we do with the vehicle. We are covered anywhere you are legally allowed to take your 4x4 in Australia, including 4x4 beaches, 4x4 tracks and private property, which is a really important point to note. Secondly, with its policy we are covered for $1500 worth of off-road recovery should we need to be rescued from a sticky situation. Thirdly, there were provisions in the policy to cover up to $2000 worth of personal effects, which cover items such as our Maxtrax recovery gear and the Companion fridge in the back of the D-MAX. We rely on our vehicle for work, so protecting the investment we’ve put in to the D-MAX with Club 4X4 really was a no-brainer.

This is really a reminder, that if you have accessorised your four-wheel drive, and put money in to it, you really should contact your insurance provider to make sure these expensive additions are covered in your policy.

Here are some nuts and bolts to see what just how little the price difference is with our insurance policy with Club 4X4 covering the stock 2020 Isuzu D-MAX, verses what it would cost to cover our vehicle with all the extra fruit we’ve put on it:

STOCK D-MAX

Vehicle Agreed Value $53,970

ANNUAL CLUB 4X4 INSURANCE POLICY

$1801.28 (net of statutory charges) with $850 excess

MODIFIED D-MAX

Vehicle Agreed Value $53,970 + $24,967 in modifications

ANNUAL CLUB 4X4 INSURANCE POLICY

$2393.37 (net of statutory charges) with an $850 excess.