Insurance Dramas with Imported Vehicles

Submitted: Saturday, May 19, 2007 at 07:37
ThreadID: 123650 Views:4748 Replies:9 FollowUps:5
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Hi all. We need to pick a few brains here regarding insurance for a fully imported F truck. Our regular insurers for our Cruiser, have just stunned us by refusing to touch the fully imported F350 we bought, because "the cost of parts for full imports is too expensive to cover". So, what we want to know is this....those of you who have bought vehicles whether they be Fords or Chevs or Dodge imported privately, which does NOT include the Ftrucks imported by Ford. themselves........who do YOU have as insurers? Can you give us some names and phone numbers and if it's not being too cheeky...what sort of money are you being charged for 12 months insurance? If you would rather reply privately, please email us at sand_hills@tassie.net.au . We thought of asking the Lone Ranger, but he is currently away "horsing around" for the next week, and we need to act quickly.
Cheers from Jan O
PS Brian Fox suggested we try using Insurance Brokers....thanks Brian, we already tried that, but what we want to hear, is from other people who have already had this problem, and who do they use for their insurance people?

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Reply By: Eric & Gail - Saturday, May 19, 2007 at 16:38

Saturday, May 19, 2007 at 16:38
Hi Jan,
I have a 1999 US built F250 I imported through Maracoonda automotive in Cabulture Qld, they performed the conversion, did a great job. I have been insured with MB Prestige through my Insurance broker since new, premium about $1200 for agreed value of $72,000 at the moment. My broker is Eric Gardner on the Gold Coast 0755388988 or try MB Prestige direct, sorry don,t have a number, I am sure your Broker would know them. Let me know how you go.
Regards
Eric
AnswerID: 571665

Reply By: Turist - Saturday, May 19, 2007 at 21:47

Saturday, May 19, 2007 at 21:47
I agree Jan, MB Prestige, they specialise in that sort of vehicle.
I have the Chev insured with them, very good rates.

Regards
Bob
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Reply By: Uncle Dodgy - Sunday, May 20, 2007 at 20:58

Sunday, May 20, 2007 at 20:58
Hi Jan O
Have you tried Shanons.
They cover our 6 wheeler for an agreed value, where no one else seemed interested.
Regards
John & Sharyn
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Reply By: Rockgoc - Monday, May 21, 2007 at 04:54

Monday, May 21, 2007 at 04:54
Thanks to you all who have helped out here......knew we had some pretty good info coming via this forum...I love asking for help here!! Well, I am going to start by phoning the broker we have, on Monday and telling THEM to get cracking and find out some figures for us as that is what they are paid for! They tried to fob us off with "Oh you should try ringing around".
OK So will let you know how we go. Cheers and thanks again.
Regards, Jan O
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Follow Up By: Motherhen & Rooster - Monday, May 21, 2007 at 05:07

Monday, May 21, 2007 at 05:07
Hi Jan - if your Broker tells YOU to do THEIR job - get another Broker! Sometimes you have to do a bit of work behind the scenes just to make sure they are doing the best for you, but telling you to do the hard stuff is just not acceptable.
Motherhen

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Reply By: Rockgoc - Tuesday, May 22, 2007 at 01:40

Tuesday, May 22, 2007 at 01:40
OK I have now been given an application form with MB Prestige in Perth, and I am just waiting to hear back from them as to how much they want to charge us to insure. Wish me luck!
Cheers, Jan O
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Follow Up By: Noosa Fox - Tuesday, May 22, 2007 at 01:46

Tuesday, May 22, 2007 at 01:46
GOOD LUCK
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Follow Up By: Thommo - Tuesday, May 22, 2007 at 02:30

Tuesday, May 22, 2007 at 02:30
Hi there Jan O

I have my Hummer insured with MB at an agreed value now of about $142000.00 at a cost of just over $1200

I hope that gives you some sort of comparision

Regards Thommo
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Reply By: Rockgoc - Wednesday, May 23, 2007 at 05:28

Wednesday, May 23, 2007 at 05:28
Well, they say they want $969.00 to cover $70,000.00. I dunno, what do you think? Elders offered us "market value" which I don't know what they decided was THE value, for $686.00 but I suspect that the woman who wrote up the proposal didn't realise it is an imported vehicle. I am yet to ring them and find out.
Easy is away and out of phone contact which is why I am asking all of you what do you think?
Regards, Jan O
AnswerID: 571670

Follow Up By: Taj Mah Tracker - Wednesday, May 23, 2007 at 05:51

Wednesday, May 23, 2007 at 05:51
jan,
If you go the way of Elders and the better quote, ensure they have it in writing from you that the F250 is an imported model.
That way they will not be able to subsequently dispute a claim on the basis of "non disclosure" of a material fact and seek to reduce the claim.
If they hold their quote after having received written advice the vehicle is imported you should be safe with them.
Market value is only an issue in event of a total loss, ie, when they consider ther cost of repairs exceed the current market value. You can get an indication of the CMV by looking up www.redbook.com.au
Hope this helps
Cheers
Ian
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Reply By: Rockgoc - Sunday, May 27, 2007 at 08:02

Sunday, May 27, 2007 at 08:02
STILL having problems with this! Here's the latest.........
Shannons don't want to know us because "we are not in any car clubs and they only insure vehicles of motoring enthusiasts who are members of car clubs". Sounds really sus to me as I personally know of at least one fella who is not in any clubs and who is insured with them. AAMI don't insure commercial vehicles, and the F350 is classed as a commercial vehicle because it is over 2.5t in weight and a utility. Just Cars want me to do it via the net and I haven't done that ....yet.
MB Prestige will not cover us if we "park the vehicle in the street, and it is not in a garage or driveway" so, because we are in a caravan park, this looks to be classed as a street I would think. I am almost too scared to tell them where it will be parked...and then when I think of some of the places it will be parked out in woop woop when we are on the road again......WELL!!!! So, do I lie, and risk having them dis allow any claim because I lied, or do I tell the truth (about running over grandpa's chook shed) and risk being rejected? AGGGHHHHHH!!!!! I am at the point of just not insuring the thing at all!!! Does any one else have their vehicle insured with Shannons?
Over to you.................
Exasperatedly yours, Jan O
AnswerID: 571671

Follow Up By: Taj Mah Tracker - Sunday, May 27, 2007 at 22:56

Sunday, May 27, 2007 at 22:56
Jan, you said. "So, do I lie, and risk having them dis allow any claim because I lied, or do I tell the truth (about running over grandpa's chook shed) and risk being rejected?"

Problem here is that if you lie you have wasted the premium and may have any claim rejected. Definitely not worth it.
Make a full disclosure, it might cost more, but you will have cover.
I had 40 years with a broker which merged into the Aon operation, they should be able to assist, it will not be the lowest cost but will be with a reputable insurer.

What happened with Elders?
cheers
Ian

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Reply By: SuziTracker - Sunday, May 27, 2007 at 22:12

Sunday, May 27, 2007 at 22:12
Jan

Try Lumley Insurance. I have my Bushtracker Motorhome insured with them though the CMCA and Ken Tame & Assoc Brokers.

Regards
Brian
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Reply By: Rockgoc - Friday, Jun 01, 2007 at 05:28

Friday, Jun 01, 2007 at 05:28
End of story! Elders gets the guernsey with being super helpful and willing to insure us even with all the "againsts" the other companies came up with. Shannons decided that they would have our business after I sent them an email asking how come some can be insured and others can't, and Just Cars didn't want to know us either as we "fell outside their area". Hmmmmmm!
Thanks all for your interest and helpful advice.
Cheers from Jan O
AnswerID: 571673

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