I've been insured with Club 4x4 for 3 years now almost since they started, my vehicle is insured for full comprehensive, market value plus $25,000 worth of accessories, the first year it cost me around $650 when I was paying about $920 with Shannon's.
The second year it cost me around $770, I spoke Kalen about it at the Melb 4x4 show and he said that when they entered the 4x4 insurance market they under estimated vehicle cost and cost of accessorie replacement and where caught out so they had to make adjustments to the pricing structure.
This year I spoke to Kalen again at the 4x4 show because my premium had gone up to $890, 3 years without a claim, this year his excuse was that there had been so many claims in NSW that the rest of the country had to pay for it. This was one reason, the other was that people where doing river crossings without walking or checking first resulting in a claim for a stuffed motors, which is there own stupidity. Hence Club 4x4 adding a river crossing clause to there policies.
I told Kalen also that if my premium goes up again next year he can stick his insurance company up his arse and I'll take my business else where!!
I don't understand why the many have to pay for the few, just because Club 4x4 didn't vent there customers properly or weed out the bad apples, we all have to pay, get rid of the unwanted customers and keep your prices at a reasonable rate CLUB 4X4!!!!