Let's talk insurance.

[justgarbage]

We are in the process of deciding to continue with KT/Allianz Insurance. I rang KT this morning to ascertain what are the additional benefits of the CMCA membership package. Below is their reply;

“Exclusive Recreational Vehicle Insurance Scheme” available for members of the Campervan Motorhome Club of Australia (CMCA)
The following coverage and benefits have been specifically designed for members of the CMCA who require Recreational Vehicle (RV) Insurance.
The RV Insurance Scheme includes:
- Loss or damage to the Vehicle and Van anywhere in Australia including whilst being transported by sea.
- Loss or damage to all accessories, fittings and/or appliances permanently attached to the vehicle (automatically covered with no need to be listed).
- Replacement of your windscreen, or any glass breakage. Please Note Imported Vehicles are limited to a maximum of $1,000 per event.
- Loss or damage to any trailer valued up to $1,000 (automatically covered and does not need to be attached to the vehicle). Trailers valued in excess of $1,000 need to be specifically noted on the policy to be covered.
- Loss or damage to the basic personal belongings within the Vehicle (automatically covered for $2,000). Additional contents cover can be purchased and cover can be provided for valuable items such as jewellery and cameras within, or away from the vehicle.
- Fusion of electric motors and loss of frozen food ($500 limit anyone event/accident).
- Liability for third party property damage of up to $20,000,000 for a single event (including clean-up costs and “gap” cover for third party physical injury).
- Personal liability you may incur as a result of an accident causing physical injury or property damage, up to the policy limit of $20,000,000 for a single event.
- Towing costs only as a result of a mechanical breakdown. (Nil excess applies to towing claims.) - Towing and storage costs as a result of an accident or damage to the Vehicle.
- Cost of Emergency repairs up to $500 for a single event.
- Non-standard Signwriting /Artwork up to a limit of $1,000 for a single event.
We will also cover:
- Hire of a replacement vehicle in the event the vehicle is stolen or severely damaged.
- Accommodation costs following theft of the vehicle, whilst the vehicle is being repaired, or following a claim where the vehicle is a total loss.
- Relocation costs, to home following a major accident or theft of the Vehicle.
- Relocation costs including that of the vehicle, to home following the inability to travel due to an unexpected medical emergency or injury.
- Members for specific injury cover whilst attending CMCA functions.
Please note we provide;
24 hour Accident / Breakdown Towing Assistance
For immediate assistance simply call 1800 731 912 and advise them that you are insured with Ken Tame & Associates. You the insured pay for the tow and on presentation of the tax invoice from the tow operator we will reimburse you up to the policy limit of $600 any one tow or $1,000 in any one policy period.
Optional extra covers that are available include:
- Watercraft covers for “tinnies” and Inflatable dinghies including liability; - Cover for scooters, electric bikes or motorised chairs;
- Protection of your no claim bonus insurance history;
- Removal of policy excesses.
Additionally as members we can also provide quotes for your private Motor Vehicle Insurance
For an obligation free quote or detailed description of our Product Disclosure Statements please contact Ken Tame & Associates.

Could we have some discussion on the relative merits of the KT package pointing out it's strength's, weakness and better options available elsewhere, if you know of them.

[BruceS]

ADMIN: No, not in this area!
I'll shift it to CMCA section if you like?

Now moved!

[justgarbage]

Ok fine Bruce. I did not mean the topic to be exclusively CMCA, just a general discussion on Insurance pro's and cons. We are thinking of changing from KT and just wanted to read other members views.
john

[dapope]

I have to say that KT has been great for us. Our one time of going elsewhere was not a good decision. We discovered we were not covered for the windscreen the hard way.

[justgarbage]

Most unfortunate for you Martin. Might I enquire as to the name of the insurance company that declined your windscreen claim?

[dapope]

Most unfortunate for you Martin. Might I enquire as to the name of the insurance company that declined your windscreen claim?

SGIO. Apparently we failed to specifically request the cover

[bagmaker]

We are upping the bus coverage from 90k to 150k, somewhere in that region (probably $100k) you go from a having to provide a few photos and written details, plus your money- to a fully assessed vehicle by a 3rd party. This was required by both KTI and CIL.
CIL ended up about 20% cheaper and offer a new windscreen every year with no questions. Interesting -a windscreen for me would be more than half the annual cost of the insurance at over $800.
Not sure about some of the fine print in either policy, a downfall of mine

[Lance]

That sounds odd Martin.
I wouldn't have thought any insurance business could/would refuse a legitimate w/screen claim these days. Most seem to allow one in any 12mth period.
They say you didn't specify it on your policy, did they list it as an exclusion on your policy ?

[Jon and Kay]

It's often the little things that we don't consider that can become important.
e.g. Loss or damage to the Vehicle and Van anywhere in Australia including whilst being transported by sea.
The inclusion of cover for vehicles transported by sea is not a usual inclusion in RV insurance policies.

Ken Tame cannot be beaten on cover and service IMHO, although a cheaper policy with a less suitable cover may exist.

[dapope]

That sounds odd Martin.
I wouldn't have thought any insurance business could/would refuse a legitimate w/screen claim these days. Most seem to allow one in any 12mth period.
They say you didn't specify it on your policy, did they list it as an exclusion on your policy ?

Apparently. My fault for not reading. They subseqently lost all our business. Two properties, 3 vehicles and contents.