So you think you have insurance

allde
Posts: 740
Joined: Sun May 13, 2012 12:46 pm

So you think you have insurance

Postby allde » Tue Apr 28, 2015 7:01 pm

The Mrs ran over a large rock tonight in a driveway, so we call the RACV to get the car removed off the rock where it was struck.
I said no problems to the Wife we have Full Comprehensive Insurance, the RACV say NO, it's classed as an accident and we don't cover if you hit Rocks or Trees.
WTF I say either you have Full Comp Insurance or you don't, Oh no new law put in place by our government recently they say.

So watch out people this is the first I have heard of this, you better check your car insurance.

cheers allde.

Hardy
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Joined: Thu Jan 01, 1970 10:00 am
Location: Melbourne Victoria
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Re: So you think you have insurance

Postby Hardy » Tue Apr 28, 2015 7:07 pm

You must be making this up! Insurance cover is for accidents.
Unless that exclusion is in the policy, then you are covered. Ring them again, put the call on speaker and turn on your mp3 recorder. I want to hear it with my own ears.
Then either complain to the Insurance Ombudsman or sue RACV Insurance.
You are talking about being covered for the cost of repairs to the vehicle, aren't you? If you are talking about your roadside assist - that is a different story.

allde
Posts: 740
Joined: Sun May 13, 2012 12:46 pm

Re: So you think you have insurance

Postby allde » Tue Apr 28, 2015 7:35 pm

All sorted apparently the Mrs called road side assist, now if you have an accident, needs to be a tow truck.

All covered.....

Hardy
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Joined: Thu Jan 01, 1970 10:00 am
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Re: So you think you have insurance

Postby Hardy » Tue Apr 28, 2015 9:17 pm

Roadside assist is for breakdowns (didn't hit anything).
Insurance policies are for accidents (did hit something).
Your's sound's like it was an accident.

busdriver
Posts: 214
Joined: Tue May 01, 2012 3:12 am
Location: Queensland

Re: So you think you have insurance

Postby busdriver » Wed Apr 29, 2015 1:16 am

Some insurance policies don't cover accidents or incidents that happen on areas that not class as a Road or a Road-Related Area (known as a Highway in Victoria.) It is also worth noting most insurance policies won't cover your car if it is driven on a beach.


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