1. 4WD AUST - INSURANCE Presented by the 4WD AUSTRALIA & TCIS Insurance Brokers A broker who speaks your language

2. Who is TCIS Australian Financial Services Licenced General Insurance Broker Member of; National Insurance Brokers Association Insurance Brokers Disputes facility Legally able to represent members

3. 4WD Vehicle Panel of insurers used - why? Protection from changes in direction of individual insurers Able to insure broader range of vehicles ie highly modified Stability

4. 4WD Vehicle Modified vs Accessorised - the difference? Accessories are added to a vehicle - may increase the overall value Modifications replace existing components and do not increase value Most insurers limit accessories to 10% We allow up to 50% accessories Most insurers will not touch modifications We allow most legal modifications

5. 4WD Vehicle Agreed value vs Market value Market value changes daily, agreed is fixed All accessories and modifications should be noted on both policy types Noting accessories on a market value policy does not increase the market value, it simply notes them in case of theft etc. Agreed value usually costs more as you are insuring for a higher figure Market value is OK with few accessories

6. 4WD Vehicle Why use our facility? We have no geographic restrictions, you are covered throughout Australia – includes travelling on beaches, barges etc. We have no usage restrictions except for competition. ie you can use the vehicle for the purpose you bought it!

7. Home & Contents Accidental damage or standard policy options Personal property Australia wide Low excess Monthly or annual payment 20% discount to club members

8. Camper Trailer Caravan Market & Agreed value options Full off road cover Contents can be included On site vans can be covered No depreciation on canvas component of camper trailers

9. Camping Equipment Complete cover for those travelling the bush Covers gear at campsite, in tents and open air ie generators, fridges, swags Gear in or on vehicle must be secured Fire, perils, and theft Not intended for jewellery, electronics goods etc where accidental damage or loss cover is needed via home contents Only policy we know of covering camping goods in open air

10. How do you get cover? Get all the forms you need on the TCIS web site - follow the prompts www.tcis.com.au www.4wdaustralia.asn.au Fill in our brochure slip and post back to TCIS - we will ring you near due date Phone TCIS toll free 1800 633 745, we will probably ask you to fill in a form to ensure information is correct Fax TCIS on 08 8278 8555 Email 4wd@tcis.com.au insurance@4wdaustralia.asn.au Contact your club insurance officer

11. *Agreed or Market Value* *Full off road cover* *Full value of accessories* *Legal Modifications OK* *Outback recovery* 4WD Insurance You only get What you pay for!