Member - Roachie (SA) posted:

I've been using TCIS for a few years now. Up til recently they had me using CGU. However, when my policy came up for renewal in March, they wrote and said Allianz was now a better option for my 2000 GU. They sent me a proposal form to fill out and send back to them. At about the same time there was an article in 4WD Monthly advising of the need to list every conceivable accessory/improvement to the vehicle, otherwise, in the event of a total write-off, they could keep anything not listed on the policy, but not pay you out for it. That led me to a list about twice as long as the one shown in my RIG DETAILS section of this forum and amounted to over $26,000-.
After the dust settled I got a call from TCIS to say that Allianz would not insure me because I'd listed a 5" lift at the back (only 4" at the front). They would have been happy with 4" all round.
It so happened that another enquiry or thread on this forum around the same time led me to go and measure the "actual" height above standard of my vehicle. In the carpark where I work there is a bog standard, near new, Patrol parked every day. I measured the distances from wheel arch to bottom of rim on both and mine is only 3" higher front and back. I told the TCIS bloke and he changed it for me and Allianz have now insured the truck. I think the premium is about $80- per month (but living in country SA has a lot to do with this I think). The reason the vehicle doesn't sit as high as the Lovell's springs are supposed to make it is, ironically, due to the fact it weighs 3tonne (& that's before I load it up for a trip). I know, I know....the insurance company will probably knock me back for exceeding GVM anyway. What the!!!!???? You can't beat em and I'll be buggared if I'm gunna settle for driving a stocker.LOL
Insurance companies, eh.....ya gotta luv em....
Cheers,

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There's only one thing more painful than learning from experience and that is NOT learning from experience! Member: My Profile

Tigger posted:

Amazing. Have been in contact with AAMI today and won't touch me with a lift more than one inch. Am rating 1 and have 60% no claim with current insurertoo - doesn't seem to matter! Best I look like getting is a policy with premium twice the current one. i.e. $800 odd versus $416.
$*$&$$##$%#&'s!!!

Tigger posted:

Colin,

I appreciate your following up here. In fact, before I read your latest note, I'd actually gone back to them myself.

Have now changed to AAMI because the bloke that I spoke with today reckoned all was OK "as long as the lift was legal".....I'm assuming a 40mm lift is legal!!! So, CGU have lost my home insurance and car insurances and it's AAMI, here we go! Have actually got a CHEAPER deal all round, which I did NOT expect when I initially heard about CGU giving me the *#@% and discovered replacement premiums woths $800-900.

I must say that I really do thank you for your follow-up note here, Colin. Because you'd mentioned the AAMI thing and that you'd also had a claim, I thought it was definitely worth another go. CGU didn't come to the party on try #2!

So have a "virtual beer" on me, Colin. Thanks.

Tigger