ARMA (Australian Recreational Motorists Association) has partnered with Marsh insurance brokers to provide an insurance program aimed at providing products and services for affiliated clubs. The Four Wheel Drive Association Queensland (4WD Qld) uses this insurance programme to cover the activities of the State Association, our member clubs and their members.

ARMA requires the conduct of risk assessments in order to identify and appropriately manage risks associated with four wheel driving activities.

Four Wheel Drive Queensland does not hold a Financial Services license, hence cannot endorse any specific insurance product.

The insurance ARMA offers consists of several types of cover. These include:

All Liability:

  • Public and Products Liability
  • Professional indemnity
  • Management Liability

Voluntary Workers (personal accident)

The list of activities covered include:

  • Four-wheel driving and club related activities.
  • Activities include meetings and workshops at national, state and club levels;
  • club day trips and outings, extended trips and tours;
  • static promotional displays and swap meets;
  • fund raising activities (barbecues, social activities, car boot sales and the like);
  • volunteering activities, community assistance events and land manager volunteer working bees (Clean ups, track clearing and repairs, fence mending, signage installation, track classification work, weed removal);
  • bushwalks and walking tours;
  • 4WD vehicle operation and recovery technique demonstrations;
  • nationally-recognised training (including driving, vehicle recovery, winching, chainsaw maintenance and use, first aid, etc – delivered by paid and unpaid (volunteer) trainers);
  • camping and campfire cooking, non-timed gymkhanas and navigation trials;
  • the use of non-powered watercraft;
  • in-club training (including driving, vehicle recovery techniques, camping, using tools and equipment, etc);

and any other 4WD associated activities the insured may participate in from time to time.