Thread: Ute Insurance

FMG won't insure if your not rural anymore. Tried them.

I've gone with Rothbury Insurance Brokers.
They're the ONLY 4wd specialist insurer agent and will include any and all mods as long as you list them.
Also majority of insurers will not cover you if you are off a formed gravel road.
Rothbury will cover you even if you're well off the beaten path and recovery is included. Unlike other insurers where you have to get it to tarmac before they'll recover you.
Pricing is very similar to mainstream Insurance cos.
My hilux for example with all the mods and extras, full cover, glass extention is less than my sons Vitz 1300 auto car. Go figure.

Originally Posted by cambo

FMG won't insure if your not rural anymore. Tried them.

I

That's odd we asked them when we moved into town and they said no problem we can still cover you.

Just spoke with FMG. They are maxed out for our region and not taking on any more atm unfortunately.

Ended up with Rothbury

Cheers everyone

AON is one outfit I would not touch with someone else's bargepole - totally incompetent and will shaft you as quick as emphasize their bottom line and profit margin to their management. Although it does make the fact I ended up costing the fools several thou over what they thought they were going to save a little sweeter - just compensation for making me fight I feel. Their (very obvious) fluckup that caused it too - although it was apparently everyone else's fault, Jacinda's fault, Covid's fault and probably the fault of the little boy who lives down the lane as well as in no way shape or form their fault...

Originally Posted by No.3

AON is one outfit I would not touch with someone else's bargepole -

What No 3 said, we were with AON and they cost us $100k plus in 2006. However as Zimmer said everyone has an opinion

We are with FMG and happy as with them.

All well, that's your opinion and you know the old saying...
We've been with them for over 20 years. They covered our odd ball farm equipment when the likes of FMG and the other mainstream outfits would not plus they paid out on a very expensive tractor repair when I tipped it over.
All without hassle at I time when I was super stressed out over my stupidy and the damage and the last thing I wanted was a run around. That's the sort of cover you want. Top marks to them.

I know this is a very "how long is ya piece of string" question , but what is most run of the mill Insurance companies idea of "off road" is driving up a farm track, a gravel road or going down the beach off road ?

I run with AMI for all my stuff, they were heaps cheaper than a broker, but they are very anal about mods etc & I probably should read my policy but like many Kiwi's it's a bit of she'll be right hahahaha

My 2c worth..

If you think there is a grey area in your ute policy, ring them up talk to a boss person, write down what they said and email them back your understanding of what they said and your understanding of the policy.. Get the company spokesperson to confirm by email what you have said is correct [or incorrect] and keep that copy in your insurance folder. For example if you do alot of driving on farm tracks... It may seem like a hassle at the time to establish if driving on farm tracks is covered by them but it will be way more hassle to sort it when your truck is at the bottom of a gully and they say 'no its not insured for driving on private farm tracks"

It's very dependent on the policy and also the assessor at the time. I specc'd to the insurance agent we use that the ute I have in the business is used off formed roads and for accessing sites for work purposes - one outfit considered a paddock to not be a 'formed road' so there's a bit of variation there. As I said to the broker fella, does that mean we aren't insured driving on the grass on our lifestyle block?

The business verses personal status is one that irritates me.
Picking up goods in town for farm use is personal (but tax wise I can claim it). Put a spade or chainsaw on the back and take it to work fencing, but not use the vehicle for fencing is business.
So I put it to them that everyone who puts a work computer in their car to take to work should be paying business insurance rates. Still waiting for an answer. Which I doubt I'll get due to canceling the policy

Yes, I had the similar question asked of them re business vs personal - it was personal for me to drive to the work site apparently, but then I asked if my kit and tools were covered that I had to cart in the vehicle. Ahhhhhhh....... Hmmmm..... Ahhhhhh - hang on, are you an employee? Yes, but I invoice for days worked and sort out the tax and leave etc myself. Still waiting for the reply to that one - it was just easier to go full contractor than put up with the 'it's too hard why are you doing this to me' routine.

I know FMG pay out for off road in ute I tipped mine over on a steep ridge no track round & rolled 3 time into the gully they payed out fast with no piss rounds I mite filt they where a bit light on the value off the ute tho & they payed the farmers invoice for pulling ute out & taking it back to the road with his tractor.

Just got my in mail today $1173 for 28k ute petrol Navara 2017

Originally Posted by Quackers

Just got my in mail today $1173 for 28k ute petrol Navara 2017

Through who?
Mine was $1150 for $80000 through FMG.
NZI was going to be $1650.
Id be asking some questions if I were you.