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Location:
Epping, Sydney
Registered:
August 2004
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NRMA Comprehensive Policy Wording
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Tue, 14 June 2005 11:00
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Reading the NRMA "Product Disclosure Statement and Policy Booklet" today this got my attention:
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We may refuse a claim, cancel this policy, or do both if at the time of the incident
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Thinking "Surely not..." I called NRMA and asked them to explain the meaning of the clause.
They assured me it does not refer to events such as ToyMods cruises.
However they did not give me any concrete examples of what it does apply to.
The phrase "events relating to a motor vehicle club" could be applied to a lot of scenarios, and despite the assurances it still makes me feel uncomfortable. 
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Location:
Coffs Harbour, NSW
Registered:
November 2004
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Re: NRMA Comprehensive Policy Wording
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Tue, 14 June 2005 11:02
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"events relating to a motor vehicle club" sounds like track days to me
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Location:
Brisbane
Registered:
March 2005
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Re: NRMA Comprehensive Policy Wording
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Tue, 14 June 2005 11:27
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id be pissed if i went in a charity cruise to raise money had a small spill and didnt get a pay out because of that 
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Registered:
May 2002
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Re: NRMA Comprehensive Policy Wording
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Tue, 14 June 2005 12:12
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do a search .. do u remember that fast fours cruise where these fuckers parked on the emergency lane off the F1 ... if an accident happened there (and i think it DID!), im guessing this clause would come into play
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Location:
Brisbane
Registered:
February 2003
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Re: NRMA Comprehensive Policy Wording
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Tue, 14 June 2005 12:34
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in theory, any event organised by a club should have insurance coverage...
for instance, the TCC Qld mob met up at a nearby Toyota dealership to drive up en-masse to the All Toyota Day event - point was mentioned that it was an official club event (mentioned in club newsletter) and if someone got hurt while were organising at motorama or pulling into the event site, the club could have got sued.
Driving on the road was probably covered by our own insurance (and the statutory CTP) unless an accident occured that was directly related to us all driving in single file up the road as agreed minutes earlier.
One potential reading of the NRMA policy is that having a prang while towing your drag car to the track for an official competitive event (e.g. not test-n-tune) might void the policy or be excluded as a covered 'event'.
When i was helping change tyres at the recent ARC/QRC rally at Imbil, the moment we set foot inside the service park, any claim to insurance coverage was lost (courtesy of the rally signup- if we had signed up wilbo's car as a service car, the moment we left the hotel carpark to drive up to Imbil, there would have been no insurance coverage (except for statutory CTP) on his car (if it was insured).
insurance sucks ;(
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Location:
Toronto, Downtown
Registered:
September 2004
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Re: NRMA Comprehensive Policy Wording
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Tue, 14 June 2005 15:29
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| thechuckster wrote on Tue, 14 June 2005 22:34 |
insurance sucks ;(
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soo true.
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Location:
Sydney
Registered:
May 2004
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Re: NRMA Comprehensive Policy Wording
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Fri, 17 June 2005 08:47
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NRMA always use to pay out ppl easy compared to other insurance companies. not sure how they are now after the demutualisation.
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