MySwag.org The Off-road Camper Trailer Forum
General => General Discussion => Topic started by: Wortho on October 22, 2012, 06:20:34 PM
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Just got the renewal for the Ultimate and its now gone up to $790 for $50k cover and $1000 for contents. This is with the NRMA and includes 60% NCB and multi policy discounts. Seems a bit steep and almost $100 more than last year with no claims made.
Anyone getting a better deal?
Cheers
Mark
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CIL
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What he said.
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x3
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expect all insurance to go thru the roof... latest excuse is recent floods
bloke in the paper the other day in teh sutho leader his insurance went up for his house to ~$3800 from memory.... OVER 366% increase
when he called around, he got same prices from several places.
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Our house insurance went from $1200 to $37,890
That's a bill that scares the Shit out of you
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I always get an internet quote and then call them and take them to task on this because it usually $100 or so cheaper if your a new customer. So much for customer loyalty.
Insurance premiums are going through the roof as the re insurers are trying to collect the billions they have paid out on floods earth quakes and tsunamis globally over the last few years.
Cheers Nomad.
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I have just insured my Jayco with CIL, much cheaper than NRMA and covers most things NRMA would not cover, as noted in many psots on here..
We pay most of our insurances by the month, and I looked at my home and contents, yes, over $3200 PA... Ouch.. but we'd be screwed without it..
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Thanks for the replys guys. I rang CIL and the quote was $80 more than NRMA. I'll have a read of the PDS tonight as they may have extras that tne NRMA policy does not have. Both are for 50k cover with 1k for contents though.
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Another vote here for CIL. When we destroyed our camper at the cape trip this year we had no issues with them at all. They rang every couple of days to make sure we were ok for accommodation. The payment was in our account the following day after we sent through our rego papers. Great service
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I have just recently done the ring around for CT insurance. I tried NRMA, CIL, CGU and GIO.
We ended up with GIO, they had the best price and were very helpful over the phone :) we only needed around $1000 contents but GIO said we can have up to $4000 before the premium changed
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The insurance for our KK is $563/annually with CIL.
House insurance with contents is $760 with RACWA.
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Our house insurance went from $1200 to $37,890
That's a bill that scares the **** out of you
Is that a mis-print? You own Buckingham Palace?
I'd be changing companys real quick!
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I have just recently done the ring around for CT insurance. I tried NRMA, CIL, CGU and GIO.
We ended up with GIO, they had the best price and were very helpful over the phone :) we only needed around $1000 contents but GIO said we can have up to $4000 before the premium changed
Thanks for that and GIO came in about $100 cheaper for me too so looks like i'm switching. Only thing is it takes 25 mins to get through to them so hopefully not a bad sign if and when it comes to making a claim ???
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Is that a mis-print? You own Buckingham Palace?
I'd be changing companys real quick!
My bet is u are in a flood zone right?
And with all the woo-ha about the water levels rising u have been slugged the extra premium......
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Thanks for that and GIO came in about $100 cheaper for me too so looks like i'm switching. Only thing is it takes 25 mins to get through to them so hopefully not a bad sign if and when it comes to making a claim ???
No probs happy to help and give advice where i can as MySwag has been very helpful to us ;D
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When considering the price of insurance, it is important to compare policy with policy, so for me, CIL wins hands down with their policy alone and even if they are a bit more expensive for us ... at least they know what a camper trailer is!
It's also good to see what the offroad or 4WD angle is like. CIL understand most of Australia is a 4WD-ers paradise and we are going to tow insured CT there.
I'd also be upgrading my Road Side Assistance to include the CT over longer distances if I were heading off on a long trip.
Kit_e
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I'd be changing companys real quick!
I think that's what they want him to do.........
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Is that a mis-print? You own Buckingham Palace?
I'd be changing companys real quick!
nope no misprint, went from $1,200 to nearly $38,000
yes we changed insurance companies and no we did not get flooded in the last flood, nor did we get flooded in 74 flood, but council flood maps are out dated and i guess they where hoping we would not notice
dumb turds
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nope no misprint, went from $1,200 to nearly $38,000
yes we changed insurance companies and no we did not get flooded in the last flood, nor did we get flooded in 74 flood, but council flood maps are out dated and i guess they where hoping we would not notice
dumb turds
Guess that company doesn't want to exist anymore ??? I hope you're changing companys *lol*
What company was it please? If you're not happy naming them in public, can you PM me please.
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I can't remember to be honest, I have lots of insurance policy's with my business and houses, it gets complicated
I had my business insurance broker take care of it from now on
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But it is not as uncommon as you think, some western qld towns have all had there insurance raised to crazy levels
They just don't want the risk
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Who is CIL insurance and are they underwritten by someone else these companies sound ok but what about when you go to make a claim, anybody with favourable experience .Im after insurance at the moment you just get worried moving from known big names as in GIO,NRMA etc
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Who is CIL insurance and are they underwritten by someone else these companies sound ok but what about when you go to make a claim, anybody with favourable experience .Im after insurance at the moment you just get worried moving from known big names as in GIO,NRMA etc
Vero Insurance Limited ABN 48 005 297 807 AFSL No. 230859 (‘Vero’) is the insurer and issuer of the policy, the PDS and this Guide. CIL Insurance (‘CIL’) is a division of Vero.
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I have just recently done the ring around for CT insurance. I tried NRMA, CIL, CGU and GIO.
We ended up with GIO, they had the best price and were very helpful over the phone :) we only needed around $1000 contents but GIO said we can have up to $4000 before the premium changed
That is interesting, GIO quoted $368 for my CT, as against $289 from CIL.
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That is interesting, GIO quoted $368 for my CT, as against $289 from CIL.
I would back that up. CIL were way cheaper than NRMA despite already having car & HC ins with them. Better off with a CT/caravan specific insurer in the long run regardless of any short term premium saving.
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I would back that up. CIL were way cheaper than NRMA despite already having car & HC ins with them. Better off with a CT/caravan specific insurer in the long run regardless of any short term premium saving.
Just took out cover with CIL. An additional $1000 contents - i.e. above the included $1000 - was $16 per year, so I'm paying $305 a year.
Trailer valued at $13,500; Annexe at $1,500 and $2,000 of contents, so $17,000 of coverage all up.
I recon that is fair value, given what I am covered for, which is all I think it is reasonable to ask.
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Can anyone advise me where I might get insurance for my home built camper trailer (see my thread at http://www.myswag.org/index.php?topic=19305.50 (http://www.myswag.org/index.php?topic=19305.50) ) ?
I have tried APIA (me being over half a century) but they only insure branded CTs. Have tried Shannons and they don't insure caravans, motorhomes, trailers etc.
Any suggestions ??? ??? ???
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Only thing to watch with CIL is the content cover for theft is only there if you have "hard walls", so a caravan. Camper trailers contents will only be theft covered if locked in a tool box or the likes.
:cheers: Cracka
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GIO, $320 for $22500 including $4000 contents. $100 excess.
Contents covers anything in the camper except bikes, scooters and other kids toys.
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Check this thread http://www.myswag.org/index.php?topic=26854.msg416060#msg416060, (http://www.myswag.org/index.php?topic=26854.msg416060#msg416060,) AAMI was best price for me, CIL was a rip!
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Ok, spoke to the very friendly people at the RACT today and they are more than happy to insure my camper trailer for $12000 including the annex and all fixtures for an annual premium of $190.00 As I wont be sleeping in it they will not cover loose contents such as cooking stuff etc but the fridge, stove, water heater, tank and pump are covered.
Cheers
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On my jobs list right now is to get our insurance for the GoldStream sorted before our big trip. Has anyone has experience in getting a policy that is very 'comprehensive' being we will be living in it for at least 6 months, all around australia, and taking on all sorts of dirt/off roads?
Will also need to have pretty high contents coverage as we will be living in it, we will have a little more then the average camping trip.
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just shopped around for renewal - QBE $16 500 ct , $3000 annex and awning and $1000 contents $241 / year
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Anyone got a tip on who is very comprehensive for a big trip? I hear horror stories about people not being covered because the address they have registered on their policy (ie where the mail goes) is not the living address? Not covered for direct roads, only covered for 1000klms from home etc etc?
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GIO on my Trackabout was cheaper than NRMA for me.
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Just switched to CIL. Same price as current insurance but they know what a CT is and have better conditions
288 for total $14.5k cover inc 3k contents. :)
S
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Did the ring around for the KK and cil where $560 Pa , the next closest was $760 pa up to $956 from racv . No brainer really, and cil are underwritten by suncorp.
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Im fully expecting my camper to now be on a flood plain and my insurance to go up $5000/yr.
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Only thing to watch with CIL is the content cover for theft is only there if you have "hard walls", so a caravan. Camper trailers contents will only be theft covered if locked in a tool box or the likes.
:cheers: Cracka
Sorry to revive an old thread. We are currently insured with RACV and want to upgrade the contents cover. Mrs Tread has been doing the ring around and called CIL. And as Cracka notes, CIL said they do not cover contents for theft from inside your annex or soft walled tent when it is set up. They only cover contents when they are all locked away (ie if damaged in an accident or stolen from a packed up camper).
So my questions: do people (especially those recommending CIL) realize they may not be covered for theft if you are set up at a camp site? And does anyone know of an insurance company that does cover theft from inside a set up camper trailer?
Thanks
Big Tread
Sent from my iPod touch using Tapatalk
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dude dont muck around CIL .all good.
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Realistically would anyone expect an insurer to cover items in a non hard walled environment? Just like your home, locks etc are only a deterrent: they won't stop a determined thief. For wind up CT's it amazes me that locks are fitted to the doors at all when access can be gained thru the bed ends, or a trusty knife to the canvas or plastic windows. At least with a caravan the lock has to be picked or broken.
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I had a look at TCIS, the seem to cover a lot, the 4x4 policy is great, a little more $$ than Suncorp but a lot more cover. Their camper insurance covers off road and canvas parts, they also will cover camping equipment, I've not read the PDS fully but I'll be considering them once I get the trailer completed
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Your home & contents will cover your camping gear, CIL will cover anything that came standard with the CT
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The wife done a fair bit of ringing around & ended up goin thur Aami
:cheers: sheeds