yeti wrote:cheers mate, how are the repairs going ?
theyre not, insurance company is playing hardball. should find out monday what theyre going to do. BNZ might be one client less come monday arvo.
Ive spoken to two case officers, a branch manager, an assessor and an investigator (twice).
First theyve tried to work the "but you were offroad" line. pointed out to them that my policy doesnt stipulate anytihg about location, and that if theyre going to insure a 4x4 they must have some expectation that its going to be used offroad.
From there they tried the "but it was at an event" angle, to which i responded that it was not an official club run, or if it was, it was not a part of a club i belonged too, that i was not paid to be, nor did i pay, to be there, there was no competition, and there was no advertising. IE there was no commercial benefit/use in doing what i was doing. told them that it was purchased for family camping stuff, which we do at pureora, minginui and up north etc, then I was asked if my family was with me in the vehicle last saturday...... go figure, i had to laugh at that lame attempt.
Now theyre appear to be trying the "undeclared mods" avenue. They have asked for what mods were on it when purchased, when it was purchased, and the value of any mods done since. I have complied with a spreadsheet, offering full disclosure. The assessor when he came around didnt take any pics of the damage, but took plenty of the tyres, bars, sliders, winch....
We will see what happens, my lawyer has provided me some advise.
I know exactly what my policy states, and in my opinion, i am covered.
so have ordered some kumho kl71 31s and are pricing winches. runva seem the go for all ill need it for..so for the price of one mod i get two and no headache 
o and brought tyres on tm last night at about 10pm, and about 2 this afo they are here.... sweet. ......... 
have fitted the 33s have gone for kl71s again.. am going to start the trim tomorrow and am trimming and cutting tj flares to fit... 
one of the rear, have to tidy it a bit.. 
thanks go to rick and nath and Alex for helping ,ok Alex you only held the flare when i cut it , but hey all good.. 
