Cruises & Car insurance

[Damien Gardner]

Check the fine print on your policies carefully and then check with the company to be sure.
My 24yo son has NRMA Full comp. The booklet states NO MOTORSPORT and no ORGANISED RUNS he rang to verify the meaning of the rule & was told any more than 2 cars going to the same place at the same time voided his his insurance if he was involved in it & came to grief.
At the time he was trying to arrange a run for a bunch of internet mates, it never happened some of the others found the same clauses in their policies

 

[DoubleChevron]

Hi Damian,

does that mean that all the club 'drives' the Renault/Pug/Citroen clubs run are actualy not covered by peoples insurance?? I betta ring Shanons I guess before the next one (imagine that cars on Club Rego that can only be legaly driven to club events, actualy aren't insured if it's ........ A club run roll_lau roll_lau roll_lau ).

seeya,
Shane L.

 

[Damien Gardner]

Could well be Shane, i had shannons ins. on the R10 for a while full comp fire & theft. It only covered if it fell off the trailor or the trailor became un-hitched and of course fire & theft & didn't cover events at all. Don't know about runs though, the V8 is too thirsty towing to take the R10 on a jaunt thru the hills lol

 

[DeKa]

Damien,

Thanks for your post - it reminded me of this topic because I was thinking about it last week.

I've got my NRMA Comprehensive Insurance policy booklet in front of me, and I've just been through it cover to cover again, but no where can I see any mention of organised runs.

Does that mean insurance policies vary from state to state? Surely not.

It does specifically say that NRMA may refuse a claim if the vehicle is used for events relating to a motor vehicle club, bash or charity event. Given Aussiefrogs isn't a registered club, any drive organised on here would be no different to me driving up the street to a mate's place, meeting 5 friends and saying "let's go for a drive" would it?

I'll ring NRMA and confirm what their opinion is anyway.

Derek.

 

[brenno]

Any of the accidents that have occured on ....erm....organised drives have been covered under insurance.

The one exception was the car that punched itself off a cliff on Putty Road and proceeded to roll down the gully, caught on fire, and then caused a bushfire. All occupants OK. They denied the claim because they found evidence of an aftermarket ECU amongst the burnt out shell. In that situation we were lucky to have a bit of a convoy going.

 

[Damien Gardner]

I rang my son who lives just outside Canberra to confirm what he had told me of his NRMA policy, it seems the wording has changed slightly, since he was trying to organise a run about 18 mths ago he has this years policy booklet & it's as you say, however the year before's has the extra bit menioning organised runs, so it looks like they've backed of a little.

 

[Pug307]

My 24yo son has NRMA Full comp. The booklet states NO MOTORSPORT and no ORGANISED RUNS he rang to verify the meaning of the rule & was told any more than 2 cars going to the same place at the same time voided his his insurance if he was involved in it & came to grief.

Two cars going to the same place? Gee you'll be stuffed if you ever go on a group holiday or trip. It's no surprise that NRMA has dumped that descriptor.

According to AAMI:

Are you covered?...
If your car was being used or tested in or for a race, trial, test or contest. NO

The cruises are not races, trials, tests or contests - they never have been.

 

[tekkie]

CGU insurance
<a href="http://www.cgu.com.au/personal/car.pdf" target="_blank">http://www.cgu.com.au/personal/car.pdf</a>

Does not cover the vechicle if it used in
"MOTOR SPORT"

there are no other instances in the document relating to words:
club(s), meetings, cruise(s), racing, convoy(s), dangerous driving
It is all the words I could think of when searching the document. and I found no reference to any other wording that might suggest social events.

I hope it helps.

 

[vite]

even if certain policy's don't cover organised runs, how are they ever going to know that you were participating in one, if you have a valid excuse for driving that particular piece of road?

 

[Pug307]

Do we have any employees of RACV, NRMA, AAMI, Suncorp Metway, AMP, Australian Pensioners Insurance Agency, CGU, etc, etc... on Aussiefrogs???

 

[nJm]

Don't think so, but I believe someone new to AUS.CARS works for an insurance company.

 

[Brad]

Chipper works for Alliance and gave all us QLD guys a run down on our last cuise....which may I add was a great day...more so than that Melbourne one

He did not mention anything about this, and even in his mind Alliance is one of the tighter insurance companies.

I would think that the insurance companies would cover you for anything which you could legally do on the road. Racing, testing etc is not legal on public roads, therefore you would not be covered due to this. However I guess this doesn't cover the argument than you can speed and break the law but still be covered.

 

[Rich@rdS]

Hey! The Melbourne cruise was still quite an enjoyable day, despite all the calamity surrounding it... approve

I've got 3rd Party Fire & Theft with AAMI, and my policy states pretty much the same thing. I'm not covered if my car is "used or tested in or for a race, trial, test, or contest." Also, if my car is "being used on a competition circuit, course or arena."

As has been said before, the organised drives are not a race, trial, test or contest. They're also not a competition circuit or arena, however does the word "competition" apply to all three: circuit, course and arena? It's a bit confusing - do they mean a competition course, which the drives aren't, or a non-competition pre-determined course like the organised drives are? I might have to give them a call to check this out.

Richard