TThere’s no denying it, building four-wheel drive into a capable off-road tourer takes time, money and skill.
Sure, you don’t need to have all the latest and greatest gadgets, and you can settle for cheap gear if it works for your needs, but here at 4X4 Australia we want our vehicles to be reliable. And it needs to be easy to use. Only the best gear fits into our 4WDs, as we rely on them every day to produce content for the magazine and website.
As such, we decided it was time to sit down and calculate how many parts were added to the D-MAX, and give you a closer look at the final tally. The goal here is to provide you with the information you need to help you build your 4WD, so you can make better choices on the gear you actually need for the trips you want to take.
Now, these prices do not take into account fitting, as we are in the fortunate position of being able to install most of the equipment ourselves, and able to borrow workshop space from colleagues in exchange for beer and food (the system works Is) . That starts the conversation about how much 4WD accessories cost for a modern four-wheel drive like our 2020 Isuzu D-MAX.
|Ironman 4×4 Commercial Deluxe Bull Bar||$2284|
|Ironman 4×4 12,000lb Monster Winch W/ Synthetic Rope||$1223|
|Ironman 4×4 rated recovery points||$217|
|Tough Dog 40mm Suspension Lift Kit||$2340|
|Narva Ultima LED 180 Driving Lights||$1210|
|Connect to UHF radios with the GME XRS-330C twin pack antenna.||$768|
|TruFit 3D Floor Mat||$179|
|Piranha fiberglass umbrella||$3400|
|Piranha double battery tray and DCDC||$675|
|Invicta 100amp/h Slimline Lithium Battery||$1599|
|Yakima Rigid Line Mounting System and Roof Platform||$1430|
|Hymn Reese X bar to bar||$1450|
|Fuel Inza alloy wheels x4||$1364|
|Maxxis RAZR MT772 mud tires x5||$1645|
|Max Tracks Bush Recovery Kit||$899|
|Pacemaker King Brown 3 Inch DPF Back Exhaust||$899|
|60L Companion Fridge/Freezer||$1569.99|
|MSA storage drawers with fridge slide power panel and fridge barrier||$5042.01|
|MSA towing mirrors||$887|
|Purchase price of the vehicle||$55,970|
Club 4×4 Insurance Policy
We insured Isuzu D-MAX with Club 4X4 Insurance for a few very important reasons. First, it specializes in four-wheel drive insurance, and understands what we do with the vehicle.
We cover wherever you are legally allowed to take a 4×4 in Australia, including 4×4 beaches, 4×4 tracks and private property, which is a really important point.
Secondly, its policy covers us for $1500 worth of off-road recovery, should we need to get out of a sticky situation.
Third, the policy had provisions to cover up to $2000 of personal effects, covering items like our MaxTrax recovery gear and Companion Fridge in the back of the D-MAX. We rely on our vehicle for work, so protecting the investment we made in the D-MAX with Club 4X4 was really a no-brainer.
This is really a reminder, that if you have access to your four wheel drive, and have put money into it, you really should check with your insurance provider to make sure it is affordable. Additions are included in your policy.
Here are some nuts and bolts to see how much the price difference is with our insurance policy covering the stock 2020 Isuzu D-MAX with Club 4X4, compared to what it would cost to cover our vehicle with all those extras. What we have put will come. over it:
Agreed price of the vehicle: $53,970
Annual Club 4X4 Insurance Policy: $1801.28 (net of legal charges) with $850 excess
Agreed Vehicle Price: $53,970 + $24,967 in Modifications
Annual Club 4X4 Insurance Policy: $2393.37 (net of legal charges) with $850 excess
So, for an extra $592.09 a year, we have our D-MAX fully covered, which if I’m being completely honest, is an absolute bargain. I wasn’t expecting the policy increase to be so low, considering how much we are covering.
If you’re good at quick math, you’ll notice that the amount we spent is a little less, and that’s completely understandable, it comes down to a few simple things.
Firstly, tires are not covered under this policy, which is quite appropriate as they are a consumable item. After that, items like our companion fridge and MaxTrax recovery gear fall under the $2000 personal effects provision. Therefore, these items are still protected, and in Australia as well.
There is also an option to further tailor the policy if we are carrying expensive camera equipment or want more coverage for off-road recovery.
For example, if we wanted to add additional off-road recovery, it would cost $323.98 per year for an additional $15,000 of coverage or $471.39 for up to $30,000. That’s peace of mind, especially if you have a big trip on the horizon.
We also have the option to increase our personal effects coverage from $2000 to $5000 for just $235.62, which is enough to protect my camera gear as well as our fridge and other camping gear. If we need to increase it to $10,000, that increase would be $412.34 per year, which I think is very reasonable.
I must mention how professional the staff at Club 4X4 were to anyone who reads the PDS.
Other options to consider include additional vehicle rental cover if the D-MAX cannot be driven due to damage from an insured event (see, I’m reading the PDS), which covers 14 days. For $90 per day is $111.92. per year, or $180 a day for 14 days is only $176.83 per year.
Roadside Plus Roadside Assistance is also available for $144.95 a year, plus additional free windscreen or window glass cover (capped at $1000 and you can only claim once per policy period) for just $59.81 a year.
It certainly goes to show that instead of a ‘one size fits all’ approach you can really tailor the policy to your needs. Keep in mind these prices may be different for you, and are provided to me based on my age (I’ll never tell) and driving history.
• Off-road recovery up to $1500 (as mentioned, that goes towards the D-MAX’s recovery cost and we can increase this figure)
• Up to $2000 Australia-wide coverage for our touring gear (our fridge and recovery gear falls into this category – again, this figure can easily be increased for a small cost)
• We’re covered Australia wide, so we’re safe wherever we’re allowed to drive.
• All our accessories (except tires as mentioned) and mods as disclosed by us.
• Discounts for multiple policies – Perfect timing when we’re building our next 4WD.
Basically, if you’ve recently invested money in modifying your four-wheel drive, you’d be crazy not to get on the phone with your insurer, and ask them to add it to your policy. will discuss about Sure enough I picked up the phone and called the team at Club 4X4.
It was a pain to do, and I must also mention how professional the staff at Club 4X4 treat anyone who reads the PDS or knows when it comes to reading the PDS. (how do we say).
If you are considering taking out a new insurance policy, call the team at Club 4X4 for a quote or visit their website for more information.
Club 4×4 contact information
Phone: 1300 296 296
Club 4X4 Pty Ltd (Club 4X4) of Lifestyle Insurance Group Pty Ltd (Lifestyle) AFSL 246937, AR 1235616, distributes this insurance as agent for The Hollard Insurance Company Pty Ltd AFSL 241436 (Hollard), which issues the product. Is. Hollard Lifestyle pays a commission on policies sold that is a percentage of your premium. Any advice provided is general only and may not take into account your individual goals, financial situation or needs. Consider the available PDS and TMD to decide if the product is right for you. T&Cs, limitations, exclusions and excesses apply.