Standard Car Insurance Just Doesn’t Cut it 

Is your 4WD covered when you go off road or off a gazetted track? Are your non-standard accessories and modifications covered? Many 4WD owners incorrectly believe that a standard car insurance policy will provide the right cover and protection for their modified 4WD in a wide variety of situations including off road activities. All too often, it is only when the unthinkable happens, that they find that their cover falls short of their expectations.

For most 4WD enthusiasts, it is not uncommon to have accessories and modifications such as a suspension lift, winch, bull bar, snorkel and diff locks, just to name a few. Amongst other things, it is these modifications and accessories that make your 4WD unique but not all insurers wish to insure such vehicles.

"The fact is standard car insurance is NOT specifically tailored

to cover vehicles owned by 4WD enthusiasts".

It is very important that you disclose all accessories and modifications when you apply for or renew your policy to enable your insurer to decide whether they can cover your vehicle and all accessories and modifications. If your insurer is not aware that your vehicle has certain modifications or accessories until you make a claim, and they would not have agreed to insure you if they had been aware, your insurer may reduce or refuse to pay a claim. This can cause unnecessary financial grief and stress which can be easily be avoided if you have the right cover for your unique vehicle.

The good news is that Affinity Insurance Brokers specialise in 4WD Insurance and have developed a product with the specific needs of the 4WD enthusiast in mind.

Affinity can help you to protect your unique investment and give you peace of mind Australia-wide, on and off gazetted or public roads. Affinity can provide comprehensive cover for your vehicle including your extensive non standard modifications and accessories. When the unthinkable happens, it is good to know that Affinity will be there to assist you in your time of need and get you back on the road as soon as possible.

 For more information or an over-the-phone quotation, simply contact the Affinity team on 1300 655 850.