|It is a Third Party Insurance available for ALL members of NZFWDA 4WD Clubs throughout New Zealand.
Many standard insurance polices suddenly run out when you head off a main road and unless you have it specifically in writing from your insurer that you will be covered, then you may be taking more risk than you think. A moment's loss of control could cost a lot of money to address the damage to someone else's property.
A special feature of this cover is that it is not related to what you are driving. It is the driver who is insured, so you can change vehicles without changing the policy.
There is an expectation that the vehicle will be in a safe condition for its use and have adequate brakes and steering etc.
That "safe" level does not necessary mean to WOF standards or involve registration for road use.
It covers you for Third Party accidents while Off Highway. If you accidentally hit another member's vehicle on the trip it will cover you for the repairs to that vehicle. It also covers damage to others property in general.
For a yearly payment of $65.00 per person it covers the person and not the vehicle, so covers you if you happen to be driving any other vehicle at the time (with the owners permission!).
There is an excess of $400.00 that increases to $500.00 for those between 21-24 and to $1000.00 if you are less than 21 years of age.
The policy provides cover when NOT on main roads and does cover member-to-member situations.
The policy only applies to 4x4 club sanctioned activities and not just the Auckland 4WD Club, as long as it is a recognised 4x4 club that is involved in organising the activity.
There is no cover if the vehicle is used for racing, pacemaking, reliability trials, hill climbing, and speed tests or in testing in preparation for any of these. To clarify the role of this insurance cover around competitions; the policy does not cover drivers while actually competing on a course... but is effective otherwise on a competition site.
To enrol in the scheme, which is underwritten by NZI, you simply pay the Auckland 4WD Club and provide your name and address to the club. Your name is added to the policy schedule.
The cover runs from December to December and has no "pro-rata" system on the annual cost.
Available below as a download, is a description of the policy as of 1-8-08
Send your name and contact details and the name of the NZFWDA club you are a member of, along with the payment of $65.00 to:
Auckland 4WD Club
P.O. Box 6712 Wellesley St,
If you wish to pay online, the Auckland 4WD Club bank details are;
Please identify with the deposit what the payment is for and who is to be insured.
Send an email to email@example.com advising that a payment has been made and advising what NZFWDA club you belong to.