I would like to ask everyone to please be honest without being disrespectful. I can see some of your responses are with a fair bit of emotion and we are privileged that Kal from Club4x4 is responding and hearing our concerns. If Kal can see any problems and issues which can then be addressed in a positive manner then positive change can happen.
No business is not without issues and Even if your experience/opinion was not a good one - it would be unfair to stereotype an entire company. This follows through in all aspects of our society.
I can say from my experience - it was a good one. I have always followed the duty of disclosure and for my needs - Club4x4 had all the right options and features.
One of the reasons I ended up at 4wdtrip is that other insurers if you disclose the true extent of your accessories and modifications - will run far and wide. With Club4x4, we can list everything and be truthful.
If you disclose to a mainstream insurer that you intend to do river crossings and drive on snow and mud tracks and plan to drive through a desert - watch their response . Then ask the question who is going to pay for the eventual recovery costs out of the desert or remote location? Most mainstream insurers will not recover/pay for your vehicle recovery in a remote location deep within a forest , track or desert. That’s why - quite often cars are left where they broke down or sustained damage.
Club4x4 has features that many do not and also has features that may need tweaking to make it more attractive to a broader market.
Everyone should also realize that when you “leave one insurer to the next” , the new insurer will very often heavily discount on the policy to attain the new customers. However , Only time will tell if people are happy at their new insurer at claim time.
Lets be constructive by providing respectable and valuable feedback that Kal can use to improve Club4x4.