Thread: Ute Insurance

Where does everyone insure their off-road capable vehicles? My hilux was insured with Toyota but now that my wife is moving on it’s no longer the most cost effective option.

The ute has a good chunk of ARB mods such as suspension lift, bullbar, winch, snorkel etc etc (nothing requiring a cert) and it needs to be covered off road.

I think we were with AMI before Toyota but I can’t remember.

Cheers

FMG

Yep FMG for me too

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Will FMG insure an individual privately owned vehicle? If I remember right the last time we looked to go to them they wouldn’t do it as it was individually privately owned as above, not a company or anything.

State is the other 1 as long as u declare the vehicle goes off rd

Originally Posted by stagstalker

Will FMG insure an individual privately owned vehicle? If I remember right the last time we looked to go to them they wouldn’t do it as it was individually privately owned as above, not a company or anything.

Well they insured both my "individually owned 4wd's" with no issues at all. Never had to claim for an off road whoopsie as I am a bit of a nana off road!

Mines a private vehicle. I changed everything over 2 years ago to fmg

State for me, but admittedly I don't go where it's too rough.

I've got my off road truck insured with Star Insurance, they are excellent for modified vehicles, motorcycles and classic cars.

Originally Posted by stagstalker

Will FMG insure an individual privately owned vehicle? If I remember right the last time we looked to go to them they wouldn’t do it as it was individually privately owned as above, not a company or anything.

Best bet would probably be just to give them a call. Explain your mods and vehicle use, expectations etc. They are bloody good to deal with

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FMG but mines unmodded and is the base model as well as privately owned and always has been. I don't do serious offroading just rough gravel roads.

Have claimed from for wife backing into it and they dealt with the claim against to bus that swiped me.

Previous ute they made a windscreen place replace a canopy with a new one after said place stuffed me around for weeks and then made a new window for the canopy but had taken the trim and promptly lost it.

I've just gone to FMG for my Cruiser. Got air bag suspension and a hoist.
I've got everything through a broker and my premiums for farm and business are north of fifteen thousand dollars. NZI gave me grief over the modifications on the cruiser. So got a quote off FMG. Their response to me emphasising the mods was "yeah no problem". And they trimmed five hundred dollars off the premium.
I'll definitely be getting a quote for everything from them.

We have everything with FMG awesome to deal with and all sporting goods are replacement cost not like AMI.

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Our broker is AON. We went with them when FMG wouldn't help with some of our odd farm equipment. Mind you FMG wasn't the only one that was no help. We did get an FMG hat from them though :-)

Who carries our cover can vary year to year. When I rolled my tractor there were 2 companies on our policy.

May be worth asking about Ute insurance.

FMG won't insure if your not rural anymore. Tried them.

I've gone with Rothbury Insurance Brokers.
They're the ONLY 4wd specialist insurer agent and will include any and all mods as long as you list them.
Also majority of insurers will not cover you if you are off a formed gravel road.
Rothbury will cover you even if you're well off the beaten path and recovery is included. Unlike other insurers where you have to get it to tarmac before they'll recover you.
Pricing is very similar to mainstream Insurance cos.
My hilux for example with all the mods and extras, full cover, glass extention is less than my sons Vitz 1300 auto car. Go figure.