Advertise on DISCO4.COM
Forum · Gallery · Wiki · Shop · Sponsors
DISCO4.COM > General

Off Road Insurance Cover (was M&M > Turbochipped)
Post Reply  Down to end
Page 1 of 2 12>
Pelyma
  


Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496

England 
Off Road Insurance Cover (was M&M > Turbochipped)

Do they cover you off road? referring to AA insurance
 DS3 TDV6 HSE - Silver with Alpaca (old one) Gone
DS3 TDV6 HSE- Silver with Alpaca (new one) Gone
D4 HSE Lux - Montalcino Red Gone
Porsche Cayenne V8 Diesel S 
 
Post #357393rd Jan 2006 3:16 pm
View user's profile Send private message View poster's gallery Reply with quote
simon
  


Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296

United Kingdom 2011 Discovery 4 3.0 SDV6 HSE Auto Fuji WhiteDiscovery 4

NFU do as long as your not doing time trials.

Play days and green lanes covered. If you bend it yourself its the same as bending it yourself on the roads. If someone else hits you then again same as on the roads.

Most companies should be the same I would think ???

-s
  
Post #357563rd Jan 2006 5:13 pm
View user's profile Send private message View poster's gallery Reply with quote
Slimer
Site Moderator 


Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295

United Kingdom 

If someone hits you off-road but their insurance doesn't cover them for off-road use how do you claim off it? Confused
 The End  
Post #357613rd Jan 2006 5:31 pm
View user's profile Send private message View poster's gallery Reply with quote
simon
  


Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296

United Kingdom 2011 Discovery 4 3.0 SDV6 HSE Auto Fuji WhiteDiscovery 4

dunno.

maybe you claim as them being un-insured ??? pretty tough on them as they would loose out a lot.

anyone here an insurance specialist ??
  
Post #357623rd Jan 2006 5:33 pm
View user's profile Send private message View poster's gallery Reply with quote
Slimer
Site Moderator 


Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295

United Kingdom 

Can't see that working, on-road you're required to have insurance cover by law so if an uninsured driver hits you you can drag them through court. There's no legal requirement for cover off-road (AFAIK) so it could get very messy, part of the reason I suspect that you have to sign a disclaimer at most off-road sites so you can't try and claim off the organisers
 The End  
Post #357643rd Jan 2006 5:38 pm
View user's profile Send private message View poster's gallery Reply with quote
Dan
 


Member Since: 09 Aug 2005
Location: Oxfordshire
Posts: 96

United Kingdom 2006 Discovery 3 TDV6 S Auto Bonatti GreyDiscovery 3

Pelyma wrote:
Do they cover you off road?


As long as you are not doing competitive motorsport like time trials apparently... Just as Simon says.

To be honest I do most of my off-roading in the Suzuki and the odd green lane in the D3. There is an argument that a green lane is a road therefore any vehicle should be covered, don't know if I'd like to test that one out though...
  
Post #357653rd Jan 2006 5:39 pm
View user's profile Send private message View poster's gallery Reply with quote
Slimer
Site Moderator 


Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295

United Kingdom 

No argument, green lanes are public highways so unless your insurance specifically says metalled roads only you're covered
 The End  
Post #357663rd Jan 2006 5:41 pm
View user's profile Send private message View poster's gallery Reply with quote
d3matt
 


Member Since: 03 Aug 2005
Location: South Oxfordshire
Posts: 1485

United Kingdom 2006 Discovery 3 TDV6 HSE Auto Zermatt SilverDiscovery 3

Does anyone know where I could buy seperate off-road insurance cover?
I would only take my vehicle off-road a few times a year, but I'd like to look into getting a seperate policy, as it is a bit risking driving a £45K car without cover.
 Matt  
Post #4246314th Feb 2006 10:39 pm
View user's profile Send private message View poster's gallery Send e-mail Reply with quote
SN
 


Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710


mpwox11 wrote:
Does anyone know where I could buy seperate off-road insurance cover?
I would only take my vehicle off-road a few times a year, but I'd like to look into getting a seperate policy, as it is a bit risking driving a £45K car without cover.
I'm interested too - although I'm only gambling with £32K! Shocked Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)   
Post #4252315th Feb 2006 1:39 pm
View user's profile Send private message View poster's gallery Send e-mail Reply with quote
Pelyma
  


Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496

England 

You are a brave person if you rely on a greenlane being a road. I am well aware that it is a road that hasn't been tarmaced but I think it is a grey area therefore they will wriggle. If another uninsured car hits you off road and they aren't insured then your remedy is still the court for exactly the same reason as an uninsured driver on a normal road except they haven't committed an offence.
 DS3 TDV6 HSE - Silver with Alpaca (old one) Gone
DS3 TDV6 HSE- Silver with Alpaca (new one) Gone
D4 HSE Lux - Montalcino Red Gone
Porsche Cayenne V8 Diesel S 
 
Post #4252715th Feb 2006 1:51 pm
View user's profile Send private message View poster's gallery Reply with quote
Gareth
Site Moderator 


Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26683

United Kingdom 

We had a little event this weekend just gone, My club did some greenlanes around the Peak District.

One of our members had a very tidy H reg 90 soft top. To cut a long story short (which I will tell in full when I get the photos) It caught fire on the top of a greenlane near Edale.

Halfords fire extinguisers are a waste of red paint, and the thing was burning ferociously within seconds.

The end result was a melted bonnet, and completely burnt out engine bay. We towed him off the lane and the RAC recovered him.

The latest news is that the insurance (More Than) are not questioning the location of the incident. They have taken the vehicle for an examination because the gearbox was replaced the week before, and they suspect faulty components or workmanship. They think that the wiring was trapped and damaged. If this is the case then they will claim off the garage.

The fact that the car was on a green lane is of no consequence.
  
Post #4254215th Feb 2006 6:54 pm
View user's profile Send private message View poster's gallery Reply with quote
Pelyma
  


Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496

England 

But if had rolled it I'm sure they would have been very interested.
 DS3 TDV6 HSE - Silver with Alpaca (old one) Gone
DS3 TDV6 HSE- Silver with Alpaca (new one) Gone
D4 HSE Lux - Montalcino Red Gone
Porsche Cayenne V8 Diesel S 
 
Post #4255415th Feb 2006 8:16 pm
View user's profile Send private message View poster's gallery Reply with quote
Gareth
Site Moderator 


Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26683

United Kingdom 

Fair point.

Does anyone on here actually know of anyone that has has reason to claim whilst green laning? and were there any problems? I have thought long and hard, and last Saturday is the first incident I can think of.
  
Post #4255515th Feb 2006 8:19 pm
View user's profile Send private message View poster's gallery Reply with quote
10forcash
 


Member Since: 09 Jun 2005
Location: Ubique
Posts: 16534

United Kingdom 2007 Discovery 3 TDV6 HSE Manual Zermatt SilverDiscovery 3

Ed told us a story in Wales of a 90 that had been rolled, he recovered it and the owner tried to claim off his insurance for 'recovery damage' Rolling Eyes Both Ed's insurer and the owners refused to pay out as there was evidence of substance abuse which may have contributed to the rollover in the first place.

Which suggests to me that the insurer would have paid out if that particular evidence didn't exist
  
Post #4255715th Feb 2006 8:27 pm
View user's profile Send private message View poster's gallery Send e-mail Reply with quote
simon
  


Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296

United Kingdom 2011 Discovery 4 3.0 SDV6 HSE Auto Fuji WhiteDiscovery 4

Pelyma wrote:
But if had rolled it I'm sure they would have been very interested.


Green Lanes (those that you have the right to roam on) are roads like the M40 or A38... just less looked after Wink

Being as such insurance companies should pay out as they are public highways. Rolling or not.

NFU have no issues with this and expect 4x4 owners to roam off the tarmac and onto the bumpy muddy stuff.

-s
  
Post #4259216th Feb 2006 8:50 am
View user's profile Send private message View poster's gallery Reply with quote
Display posts from the last:  
Post Reply Back to top
Page 1 of 2 12>
Jump to:  
Previous Topic | Next Topic >


Posting Rules
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum



DISCO4.COM Copyright © 2004-2024 Futuranet Ltd & Martin Lewis
DISCO3.CO.UK RSS Feed - All Forums

DISCO4.COM is independent and not affiliated to Land Rover.
Switch to Mobile Site