The sudden death of three friends, all within a month showed Alan and Pam, a Victorian couple aged in the 55 - 65 bracket the reality of life. Could it happen to them?
So with flexible employment with caravanning website www.GoSeeAustralia.com.au they decided to wind-up their home and go on the road, working and living in their 21ft caravan.
While GoSeeAustralias Pam and Alan have a Post Office Box and Australia is their backyard, its not so simple when you live full-time on the road in a travelling office. The bureaucrats need a Residential address otherwise the system will not cope, Alan says. So a friend in their former home town empties their PO Box about once a month and forwards their mail in an Express Post envelope to a nominated location. That works well as all businesses will post correspondence to a PO Box.
A Residential Address is required for Medicare, Vic Roads, Electoral Commission and the Australian Tax Office. Insurance Policies require a Situation of Risk address. In these cases Alan and Pam use a relatives address, their Accountants office address and their Insurance Brokers office address if the computer generated field will not accept Australia Wide.
Speaking of Insurance, this is complicated. Pam and Alan need cover for their vehicle which is being used for Business purposes, their caravan, tools of trade computers, printer, cameras, phones, WiFi etc, all at no fixed address, and then additional contents cover for personal and camping items at any location in Australia.
It is essential to use a broker who actually understands what you are really doing, Alan says.
Grampians Insurance Brokers have been arranging insurance for individuals, businesses, farms, caravan parks and travellers for more than 30 years. David Hosking leads a staff of four; John Egan, Catherine Dalgleish, Brock Fitzgibbon and Kate Ramsdell..
Their head office is in Ararat. They have customers from all around Australia. In a nut shell, Grampians Insurance Brokers service many and varied insurance needs no matter where clients live.
The point of difference is as brokers, they work for their clients, not for the Insurance Companies, so you can rest assured you will get the best policy coverage at the right price, Alan says.
Grampians Insurance Brokers save the time and energy of ringing around numerous insurance companies, trying to compare policies and prices. They negotiate and haggle on your behalf with insurance companies to get the best policy coverage at the cheapest price, Alan said.
At the stressful time of making a claim, you will be most glad you have your insurance through them. You won't be just a claim number on the end of a phone, dealing with a different person every time you ring. You will have personalised service to help complete your claim and make sure all t's are crossed and i's dotted so that everything is taken care of, he said.