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Off Roading Insurance
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jollybodger
 


Member Since: 11 Jul 2005
Location: Marlow, Bucks
Posts: 313

2005 Discovery 3 TDV6 SE Auto Java BlackDiscovery 3
Off Roading Insurance

I was just looking at some of the brilliant pictures from yesterday and had a query. Does our standard car insurance cover us for activities such as Tixover or do we need to get some additional insurance.
I came along without checking and whilst was surprised and delighted that there wasn't a mark on the car had a wobbly moment thinking about what if! If this has been covered elsewhere point in the right directions guys.
Thanks Smile
  
Post #1810019th Sep 2005 4:23 pm
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Jim
 


Member Since: 09 Sep 2005
Location: Aberdeenshire
Posts: 215

England 2006 Discovery 3 TDV6 SE Manual Buckingham BlueDiscovery 3

Land Rover Motor Insurance states that it specifically includes 'Off Road' cover. To what degree, I am unsure, howerver, I am sure that others may be able to shed more light.
 Jim  
Post #1810319th Sep 2005 4:39 pm
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simon
  


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

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

Also NFU's insurance does...

-s
  
Post #1810719th Sep 2005 4:45 pm
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Pelyma
  


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

England 

Most don't, Greenlanes are I believe roads so it should, but whether it will is another thing. Most definately not at Tixover!
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Post #1810919th Sep 2005 4:52 pm
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BN
 


Member Since: 18 Mar 2005
Location: Here
Posts: 6463

England 

Most Insurance is for the Queens Highway only. Tixover needs NFU insurance, but not if in competions. Even then declare what you are doing to them first. Insurance can be stickier than the mud TFC got stuck in yesterday.
  
Post #1811619th Sep 2005 5:43 pm
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jollybodger
 


Member Since: 11 Jul 2005
Location: Marlow, Bucks
Posts: 313

2005 Discovery 3 TDV6 SE Auto Java BlackDiscovery 3

Thanks everyone, will plan accordingly! Wink
  
Post #1811819th Sep 2005 6:14 pm
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simon
  


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

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

Also going to check that my NFU policy covers off road and by how much etc. Their policies are VERY competitively priced too and include GAP insurance for 1st two years...

-s
  
Post #1812919th Sep 2005 6:52 pm
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10forcash
 


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

United Kingdom 2007 Discovery 3 TDV6 HSE Manual Zermatt SilverDiscovery 3

Sureterm were cheaper than NFU for me - and includes greenlanes, 'new - for - old' (Gap Insurance) plus a few other bits & bobs
  
Post #1813619th Sep 2005 7:03 pm
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BN
 


Member Since: 18 Mar 2005
Location: Here
Posts: 6463

England 

10forcash wrote:
Sureterm were cheaper than NFU for me - and includes greenlanes, 'new - for - old' (Gap Insurance) plus a few other bits & bobs


Yes, I think NFU stop at GPG
  
Post #1813819th Sep 2005 7:09 pm
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scorpio
 


Member Since: 26 Feb 2005
Location: Birmingham
Posts: 237

England 2006 Discovery 3 TDV6 S Auto Arctic FrostDiscovery 3

I insure both of mine Via Adrian Flux as a Discovery Owners Club member I get a 10% discount from them and on my off-road one I also have full off road cover.
  
Post #1814219th Sep 2005 7:11 pm
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Coffeecup
 


Member Since: 15 Jul 2005
Location: Middleton, Manchester
Posts: 1084

England 2010 Discovery 4 3.0 SDV6 XS Auto Galway GreenDiscovery 4

BN wrote:

Yes, I think NFU stop at GPG


What is GPG
 
Coffeecup

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Post #1815119th Sep 2005 7:46 pm
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BN
 


Member Since: 18 Mar 2005
Location: Here
Posts: 6463

England 

Coffeecup wrote:
BN wrote:

Yes, I think NFU stop at GPG


What is GPG


Its a TFC thing Wink
  
Post #1815219th Sep 2005 7:51 pm
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10forcash
 


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

United Kingdom 2007 Discovery 3 TDV6 HSE Manual Zermatt SilverDiscovery 3

BN wrote:
Coffeecup wrote:
BN wrote:

Yes, I think NFU stop at GPG


What is GPG


Its a TFC thing Wink
nope, lost me there Victor Meldrew ...unless you meant GPMG Laughing Shocked  
Post #1815719th Sep 2005 7:57 pm
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jzk
 


Member Since: 15 Mar 2005
Location: Chicago
Posts: 99

United States 

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Post #1815819th Sep 2005 8:04 pm
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Gareth
Site Moderator 


Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26682

United Kingdom 

Sureterm is good, but is restricted to green lane off-road. I think this is a bit of a grey area, as any motor insurance should cover you on green lanes, i.e unsurfaced public highway.

If its public highway, you have to be covered. That includes all byways, UCR's and RUPPS (green lanes). I am not aware of any motor insurance that specifically excludes unsurfaced public highways, so Sureterm and others that claim off-road use, and then specifically exclude any off road use on private land are playing on words.

I have not looked at NFU yet, but will when I renew next month. My old Land Rover is insured with Sureterm on a classic policy, which is ridiculouly cheap.

I think fully comp insurance for a day like yesterday would be costly.
  
Post #1816219th Sep 2005 8:16 pm
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