Hi, my car got stuck, got pulled out with a rope by another car however my car got damaged due to it, looks like structural damage and costly accessories got damaged. The back bumper is also damaged. It was at a national park, on unsealed gravel road. Essentially got stuck on a bump with all 4 wheels up.
I have comprehensive insurance and just wondering if I'm covered?
Or if there is something I should look for in the insurance to see if I'm covered
Insurance: Youi PDS link.
He already told us it’s a GWM
I’ve heard that recycled tins make the best bash plates…
Oh I missed that. A stock standard GWM is not much of a 4wd. Wouldn't take it off gravel.
At least until you lift it, go larger tyres and fit rated recovery points.
@michael9865: Do you have a link / report for that @michael9865?
I have a few mates with 4WD with some fairly impressive stock capabilities… (think LR Defender etc). Would love to show them how a GWM was a far better investment and they spent tens of thousands of dollars on the wrong vehicles!!
Imagine their embarrassment!
@Garry044: Research GWM XSR, there were a few videos showcasing XSR against other models and none stood a chance
@michael9865: @michael9865 - I'm seeing some comparisons against other utes, not finding much against "all the other vehicles you can offroad with"
Would love if you can point me towards some comparisons showing a stock GWM beating a Defender, LandCruiser, Patrol, Pajero, Wrangler etc…
It's basically the only vehicle you off road with.
Except it doesn't come with rated recovery hooks…
@michael9865: It comes with rear recovery points, yes, however there's no actual rating for said points…
@michael9865: Beg to differ. Stockies are far more capable than the aftermarket parts department gives them credit for. Maybe bang for buck wise its 'best off road' but try putting it up against a landcruiser, wrangler or raptor.
@Euphemistic: It easily beats the stock ford raptor, beats landcruiser prado, unsure about the new land cruiser top model though
@michael9865: Sure mate.
End of the day the driver makes a massive difference as to wether you end up stuck on a hump or not.
@michael9865: Nope not even close.
https://www.carexpert.com.au/ford/ranger/vs/gwm/ute
Just on the numbers the GWM has
- Lower Power
- Lower Torque
- Lower Ground Clearance
- No Rated Recovery Points
- Worse turning circle
- Less auto gears
And that is just comparing the base 4x4 ranger. The raptor is significantly better. I think the salesman lied to you.
Ps. I don't even like the Rangers all that much but they are in a different league.
@curtturtle: I researched it for about 6 months before buying it. I was actually planning to buy the raptor until i heard about GWM but i didn't believe it was true as the price was crazy cheap.
After my reasearch i just went and brought one, recovery points didn't even matter to me, only noticed and asked about them after i purchased it.
Never spoke to a dealer and also didn't resort to one website for my research, basically did a PHD analysis, excluding cost.
@michael9865: Better hand back the PHD if you think the XSR is more capable than higher tier 4x4s on the market. Took me less than 2 seconds to google it and find that it isn't. It is cheap but is only in the same league as the base models of the higher-tiered competitors on the market.
But hey I have only been 4wding for most of my life. And you got stuck on a hump with something that is twin locked, didn't know how to recover properly and think you've done structural damage.
It is clearly a good car for a cheap lower tiered 4wd.
Even the dinguses at drive.com.au worked it out.
"The single-turbo 2.0-litre four-cylinder diesel engine is relatively underwhelming on paper with maximum outputs of 120kW and 400Nm. My hot and likely unpopular take, though, is that if you're wanting a four-wheel-drive ute on a budget that won't be towing more than two tonnes, this kind of output is fine. It's not close to the best in the segment, but it gets the job done well enough."
"And you'll also need to consider the possibility of purchasing a base-spec HiLux, Ranger, BT-50 or D-Max instead, all of which offer fewer bells and whistles but a better driving experience."
https://www.drive.com.au/reviews/2023-gwm-ute-cannon-xsr-off…
@curtturtle: If motor is your only concern than you are right, it doesn't have power to match.
But if it comes to off roading i bet you $5000 that an ford raptor would get stuck first before a gwm xsr does
But if it comes to off roading i bet you $5000 that an ford raptor would get stuck first before a gwm xsr does
Bit rich coming from someone who had their GWM chassis damaged after getting stuck on a bump in a national Park road. What was the person who towed you out driving?
@OZKap: Yeah, no else in my group wanted to attempt that bump whrn they saw i got stuck as they had fords and Toyota's
It easily beats out every other stock vehicle in Australia when it comes to off roading.
It's basically the only vehicle you off road with.
That must be why 4WD tracks every weekend are full of GWM XSR's. I can't believe all the dumb Landcruiser and Patrol drivers bush bashing in their city 4WD's.
@Randolph Duke: OP is basically that dude raving that their BigW EKO TV is better than OLED, why on earth would you spend more.
@michael9865: Sending a theme here, guessing you don't want to reveal your brand and model of OLED either 😂
I get why you're defensive. All your mates with actual 4x4s have been giving you shit since you bought the GWM, and no doubt hanging more shit on you since you got stuck on a little bump with it.
@Typical16-bitEnjoyer: I mean the OLED is LG C something.
I mean in all the tracks i have done in the past 7 months I'm the only car that hasn't gotten stuck yet. So they have stopped giving me shit until i got stuck now. But they quickly went quiet when the lifted ford got stuck aswell
GWM XSR is the best off roader when it comes to stock 4wd vehicles from 2020 to to 2024 up to $100k.
a proper 4wd insurance company
Like who?
Club 4x4. They cover you on tracks, beaches and river crossings.
https://www.club4x4.com.au/4wd-insurance/ who insure you whether you are off road or not.
We Go Wherever You Can
From beaches to bush tracks to water crossings, we cover 4X4s anywhere they’re allowed to go & can recover them when things go wrong
Plus
Mad About Modified 4X4s
We get how expensive 4X4 builds can be, so we cover modifications as a separate agreed value to the base vehicle, including labour, to cover rigs for what they’re really worth
Only caveat for Club 4x4 is the excess for water crossings - it's 5% of Total Sum Insured with a minimum of $2k (which I think is completely reasonable from their perspective). Otherwise the rest of their PDS looks reasonable.
@ol mate: Totally reasonable for the water excess and there is also one for recovery costs when off-road. I recently pumped up my insured amount as I am heading to Cape York and they pumped it up enough that the water excess is almost covered by how much it is insured for as a write off.
If it were me, I would:
1. Go and get the car assessed to see what is wrong and get a quote to repair
2. If the amount from 1 is substantial, lodge a claim with my insurance company. Only they can confirm if this is covered or not.
Yeah planning to do that
Getting it assessed is the start. It may not be anything.
Seriously, I wonder if you are just trolling. How did you conclude 'like structural damage and costly accessories' and 'The car looks displaced by a few mm.'
How do you see a difference of a mm across a car?
Perhaps you cracked the bumper or popped a few of its clips. They make a loud cracking noise.
This is just off the top of my head and will rely on how the policy is written (sorry not reading it), but here's a different angle that might be useful:
What model of 4x4 pulled you out?
Would have been another GWM as no other 4x4 would be capable.
Nah mate I don't need your Unimog, my buddy with a GWM can pull me out.
Can't wait to see the look on Jim Ratcliffe's face when he realises how much he spent on developing the Grenadier when a stock GWM XSR could have done the job!
@michael9865: Looks like it has tow/tie-down points. Not rated recovery points. Big difference. If you used rated recovery points and it got damaged then it is a pretty poorly built car.
The sales pitch of this ute reminds me of many things available from ebay that overstate their capabilities by mile…
Honestly having driven for 6 months and reasearched for more than a year now i believe GWM XSR is hugely understated when is comes to off road capabilities.
I would say Ford raptor is overstated.
I started out thinking chinese cars were rubbish but if they convinced me, it means these cars have something
Reminds me of an article I read on Escape Collective the other day about the bike industry. Basically compared the ease of repairing/maintaining a series of cheap ($200) bikes from the likes of Kmart vs a series of more expensive (~$800-1000) bikes - distributed across a range of everyday scenarios such as commuting etc.
Bottom line was that the $200 bikes couldn't be repaired after about 72 hours of actual use. Compared to the others that needed 1-2 hours maintenance then carry on.
I don't doubt the GWM can do a lot of things. Even in stock. But just because it can manage it once, doesn't mean it can do it a second or third (or eighth or tenth time). Unfortunately, with much of this stuff, the price isn't just there for the logo. Quality build, quality parts add up. Similarly, without throwing any shade at the OP, taking a stock GWM into a 4WD track having bought without considering fundamental elements like recovery points doesn't fill me with confidence that the 'comparisons' referred to have been comparing apples with apples in real-world situations.
Personally, if I thought the vehicle did get stretched out of spec, I would take it to a panel beater to put it on a rack with a laser measuring system to see if there is any structural damage and get them to check for cracks in components too. If it is damaged then it will most likely get written off by insurance.
Regarding noises that you heard, it is possible that certain items did have pressure on them from tugging, those items moved as bolts/bolt holes have play and when those items moved they made thudding noises.
What tyres were you using when you got stuck? for any 4x4 trail runs I do, I swap over my rims with ones that have mud tyres. If you haven't already got maxtrax, get some and a winch too.
This story doesn't add up. My bet is OP would come back and report that the assessment only showed some minor damages, further emphasising the quality of the said vehicle.
Lol i was reluctant to even giving the details
Another viewpoint …(sorry if it was mentioned before … I did not read every comment).
If a tow truck picked up the car due to breakdown and damaged it in the process, the insurer would surely go after the towing company. Is this any different? I believe the insurer would go after the other driver who tried too hard to extract it.
If that driver can not be identified, would the insurer just say "Oh OK, if you can't identify the other driver we will cover it"?
See the "recovery" in the news last week?
Car runs off the road into the bushes. Owner gets someone with a Patrol to tow it back out onto the road. But no-one was in the car when it was dragged out, and of course its handbrake wasn't on. So once it was dragged back onto the road it continued rolling across the road, and over the cliff on the other side, dragging the Patrol with it.
Not sure whether the Patrol was dragged far enough to be damaged, but the car was now not going to be able to pulled out or repaired.
The more I read this post the more I'm convinced it's a troll post.
Tldr, buys a mildly capable 4wd, thinks he can lead the pack. Gets stuck blames insurance, car has unknown damage. Owner thinks the worst and is scared to check it properly.
Well you must be one of those special people
Special in a way that I know what I'm doing when I go 4wding. Yeah your right
100%
Based on the information provided, it appears that damage to the car caused by off-road driving is covered under the comprehensive insurance policy. The comprehensive cover includes events such as accidental damage, intentional damage, storm, hail, flood, fire, and theft. However, it's important to note that specific details about off-road coverage may vary based on the policy terms and conditions, so it's advisable to refer to the policy schedule and any additional details provided by the insurance provider.
SOURCES
Page 11: Comprehensive cover includes events such as accidental damage, intentional damage, storm, hail, flood, fire, and theft.
Page 15: Details about the events covered under comprehensive insurance.
Thanks, yeah makes sense just wasnt sure if the rope pulling comes under accident which is the main reason for posting
What is not covered? Intentional damage caused by: • you or a listed driver,
• any person who has been given permission by you or a listed driver to drive the car; or
• any person acting with your or a listed driver’s consent
Source Page 13 lmfao
Essentially got stuck on a bump with all 4 wheels up.
OPs car can fly, that's reason enough for me to buy a GWM!
Sue the guy who helped you!
michael9865 did you pay to go in to the National Park? This is pretty similar to when someone sues their council for a pothole damaging their vehicle. You went in to a National Park, used a gazetted road in a vehicle which you have pointed out is a highly capable 4WD vehicle and it was damaged. It can't be your fault, the reality the gazetted road wasn't kept in good condition if a well acclaimed 4WD gets stuck on it, how would a Corolla survive?
It was a track meant for 4WD only, and we may have turned the wrong corner and went on a possible motorcycle track as the lifted vehicle also got stuck.
Probably not much chance then if it was a motorbike track. I actually didn't know they had them in National Parks
Unsure if it was actually a motorcycle track though, just know the bump was too narrow and too high for even a lifted vehicle to pass
We had a similar thing happen on the Gibb River Road. We were covered for the damage to the undercarriage of our vehicle.
I submerged my 4wd ute back in Jan. Finally got a replacement last week under insurance.
Just ring up to find out if unsealed roads are covered. I am not with YOUI but NRMA. PDS didn't mention any restrictions for 4WD but they had a internal document that said 4WD was included as long as I wasn't racing/rallying.
This post is definitely an advertisement for the GWM XSR.
Well played.
@michael9865
any update with how you went?
Lifted the car up, no structural damage so not gonna risk making a claim
looks like structural damage and costly accessories got damaged. The back bumper is also damaged
So no damage afterall lol
This story should go down in ozb folklore
The back bumper and accessories are damaged roughly 15k damage, too little to make a claim
@michael9865: Do you mean $1.5k?
Also be interest to know what accessoriesyou have that were damaged. Might help me not get stuck with the same problem when i inevitably find my 4wd wont go as far as i think it can.
Okay I'm calling BS on this, to many statements don't line up
Researched for 6 months, in one comment then 12 in another.
Did a PhD which someone googling in 5 mins proved inaccurate
Won't share the track details, seemingly too embarrassed, probably a speed bump in a car park
Did 15k worth of damage but won't claim insurance
Let's just call this for what it is. The worst gwm sales pitch anyone has ever read
Wow you keep commenting negative stuff, you must be really jealous.
It looks like you brain doesnt work or maybe you dont have common sense.
6 months before i got, have had it for about 6 months and am still researching it (6+6=12)
Research yielded it is the best stock off roader. No one had proven it incorrectly and am now happy to bet 20k to go toe to toe in a stock vehicle under 100k on a track that a GWM XSR will comes out on top.
Why share when i am happy to take you but have to promise that you will try the track first.
15k is nothing why would i make a claim?????
let's call this what it is, your jealous that you over paid and instead of just answering my question in the post, you are trying to belittle me.
$15k is 10x the excess. Youd be mad not to claim.
Still dont know how you do $15k worth of damage with 'just a bumper'. My aftermarket rear bumper was about $2500. Factory bumper replacement with paint would be about $1500. Even if you ripped the whole tub off I'd be surprised if it was $15k. They are bolt on parts.
Then again, maybe the best 4wd ever has some really special bits on it.
The panels are also damaged, there are scratches and dents all over the car which will also he repaired plus the 5k electric roller covers.
The tub is also dented outwards a bit.
The car went flying off the ground into a tree.
Not to mention the damage that happened under the car.
The 15k did not included the roller cover so it is more like 20k damage still too little to claim as it is still drivable and no warning signs come up so don't see any point to make a claim and see my annual payments sky-rocket.
If only asked about the bumper in this post to keep it simple.
I should mention it is not the best one ever it is the best new one so will beat any stock vehicle in offroading that has come out since 2020.
If you put upgrades on it then I would consider GWM XSR average mainly because of the motor but obviously putting those upgrades will void the warranty which most people will want to avoid.
But again all I wanted was just an answer to my question and people just had to know what car it was and etc because I knew this would happen and that is why I didn't want to give out any details of the car, track and etc.
@michael9865: Are the mods roadworthy?
Would be interesting to see insurance covering this type of recreational use. I mean,all my track days usages are not covered.
@michael9865: I wouldnt know.
For my cars, suspension work usually comes with an engineering certificate to ensure they are roadworthy.
Some insurance company refuse modified cars without them being properly certified.
@Chinese: 4wds are allowed a small amount of lift without engineering. Think its 50mm of suspension or body lift plus 25mm of taller tyres. Tyres can be bigger, up to certain limits too. There is a standard.
You can go taller with engineering. One of the problems with modern cars is that to get engineering you need to recalibrate and test any stability control etc. That can cost $50k.
@Mikinoz: So me answering a question if mods on a random car are legal must mean that I have mods?
I don't need mods to beat your modded car.
You should read the whole thing before making stuff up
@michael9865: Youre mad if you dont claim. Its what insurance is for.
Why didnt you mention it hitting the tree before? It compeltely changes the scenario. Going from tugged off a hump to hitting a tree is a massive difference. Going from 'its the bumper' and 'accessories' to scratches and dents all over the car is a massive difference.
Its no wonder people commenting were giving you a hard time when you clearly wanted an answer to a question you were obfuscating.
Oh, and never let the clowns that dragged you out do anything like that ever again.
@Euphemistic: Yeah i wanted an answer to a specific question.
Part of the damage was caused due to the pull so was curious to see if it was covered.
As getting stuck and hitting a tree is obviously covered but the pulling part of the claim may not be.
You got me it's jealousy, I wished I could get stuck like you but sadly it just doesn't happen in my inferior 4wd.
Now you want to bet 20k you can beat another stock vehicle on your modified, damaged piece of crap loll
I'm belittling you because you just don't get it and have the I'm always right syndrome, do a PhD in that.
Sorry I don't like high yield investments, I'd be claiming insurance. But hey you do you
Look forward to your video of you handing over $20k
What planet are you on, my vehicle isnt modified lol.
See just making things up trying to belittle people and lie.
I feel sorry for you to have to come here and be jealous like this.
Grow up.
If you're with Youi rather than a proper 4wd insurance company you're probably screwed on a track. Companies like Youi will only cover you on gazetted roads.
Also why won't you answer people asking what model of car it is?