It would seem that in this case nothing was covered by insurance .
Now if the tug had broken more than 100 k's from home and couldn't be fixed straight up he would be covered or accommodation and repairs including the tow, but as this was deemed to be a mech failure only up to the instance of the wheel fell off at which point it became an accident and cover under his top shelve premium policy is apparently voided .
I agree he should be covered regardless but that's insurers for ya what sounds simple to you and I is lost in the fine print . If sense was common them we would all have it
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Pets are welcome but children must be leashed at all times
Yes in that case I don't believe it is an accident , should be a a mechanical problem and should have dealt with under policy was it a motoring club who has made this rule or a local operator getting a quick dollar
I reckon if this person really pushed the facts, and maybe recruited some legal assistance he'd come out ok. Even if the NRMA was involved, the insurance should cover it from the accident perspective. One should never take the word of these organisations because they will do everything in their power to avoid honouring their policies, which the motorist has paid good money, a lot of good money for.
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20ft Roma caravan - Mercedes Benz Sprinter - SA-based at the moment. Transport has no borders.
Management makes the decisions, but is not affected by the decisions it makes.
It would seem that in this case nothing was covered by insurance .
Now if the tug had broken more than 100 k's from home and couldn't be fixed straight up he would be covered or accommodation and repairs including the tow, but as this was deemed to be a mech failure only up to the instance of the wheel fell off at which point it became an accident and cover under his top shelve premium policy is apparently voided .
I agree he should be covered regardless but that's insurers for ya what sounds simple to you and I is lost in the fine print . If sense was common them we would all have it
Not totally correct Wombat. As a breakdown like you said - over 100km from home and cannot be repaired within (I think) 24 hours then towage to a place of repair OR to your home, accomodation if you choose the near place of repair and maybe a hire car RACWA does anyway. BUT, the repair itself is NOT covered.
If however, the claim goes through insurance, as in this case it should, then towage AND the cost of repair is covered. Bearing (no pun intended lol) in mind there is sure to be associated damage when the wheel came off I think the insurance track is the best track in this case. Assuming of course that he was insured.
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Neil & Lynne
Pinjarra
Western Australia
MY23.5 Ford Wildtrak V6 Dual Cab / 21' Silverline 21-65.3
