CairnsDisco
Joined: 10 Aug 2007
Location: Norwich
Posts: 88
 
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All you guys with offroad insurance.... what does it acutally cover?? And does anyone have any suggestions as to who are the best?
Thanks
Steve Say goodbye to the D3 soon. Say Hello to 110 double cab xs stornaway grey 
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 Thu Jan 24 2008 10:40pm |
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Slimer
Site Moderator
Joined: 06 Jan 2005
Location: Nanny State
Posts: 11678
 
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Seems to only be two that actually offer off-road cover:
LR - Not the cheapest but proven to payout for damage caused off-road
NFU - Generally good prices    
Nuke 'em! Nuke 'em all!
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| Thu Jan 24 2008 10:44pm |
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DG
Joined: 12 Dec 2005
Location: The Gaff !
Posts: 13312
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LR Insurance covers you as per normal full comprehensive..including anywhere offroad.  Powered by............................
.
I've been accused of vulgarity. I say that's bullshit 
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| Thu Jan 24 2008 10:46pm |
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simon
Joined: 11 Jan 2005
Location: Do you really need to know ?
Posts: 13934
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Same as NFU from what I am told by my local office. As long as you are not competing and you have permission to be on the land they will cover you. Greenlanes of course are public highways to even Swinton covers you.
NFU not yet proven though - hopefully never tested either.
Be good to hear from someone who has claimed from them though.
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| Thu Jan 24 2008 11:10pm |
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mick
Joined: 21 Jan 2007
Location: All over
Posts: 897
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Ithink BCB is with NFU and has put a clsim in other his double pranged door.
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| Thu Jan 24 2008 11:14pm |
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CY
Joined: 16 Aug 2005
Location: The Bonnie Banks of the Forth
Posts: 3249
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[Off topic whilst still on topic...]
NFU claim to be a
"rural insurer, we can offer car insurance specifically designed for people who do most of their driving in the country."... Was this a rule from the foundation of the company or is it something that has to be stuck to? Ie. would they simply not insure me as I would drive mostly in town? DISCO3's Student Correspondent...
Discovery 3 TDV6 SE
Volvo V70 T5 SE
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| Thu Jan 24 2008 11:14pm |
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simon
Joined: 11 Jan 2005
Location: Do you really need to know ?
Posts: 13934
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I think they were born out of the National Farmers Union... so I imagine their policies cover rural users who also drive off road as part of their lifestyle
They also told me that 'its a LR, of course you will take it off road' 
But then I live in a rural area and they are in a famous old market town.
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| Thu Jan 24 2008 11:17pm |
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CY
Joined: 16 Aug 2005
Location: The Bonnie Banks of the Forth
Posts: 3249
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Congrats on the new D3 Simon by the way, looks great  DISCO3's Student Correspondent...
Discovery 3 TDV6 SE
Volvo V70 T5 SE
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| Thu Jan 24 2008 11:18pm |
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simon
Joined: 11 Jan 2005
Location: Do you really need to know ?
Posts: 13934
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CY wrote:
Congrats on the new D3 Simon by the way, looks great
You saw it 
Been sneaking round my gallery again
Yep - very nice. Getting used to the posher interior (dash trim changes really make it feel more premium - cloth not leather though) and the dark bonnet in front of me. Harder to place on the road as the silver was easier to spot out of the corner of my eye. Will get used to it of course but being far too precious at the moment 
Nice to have a clock I can read too - especially when wearing sunglasses as the polarised filter on the LCD display of the stereo caused it to be nearly black.
god I'm getting geeky
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| Thu Jan 24 2008 11:23pm |
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CY
Joined: 16 Aug 2005
Location: The Bonnie Banks of the Forth
Posts: 3249
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Noticed it the other day as a new addition to the general Gallery.
The side strips work well with the colour.
What has it got round the front in terms of xenons/fogs ?
Any mods planned?
(Must get back to work - 1 week and 1 day of exams left  ) DISCO3's Student Correspondent...
Discovery 3 TDV6 SE
Volvo V70 T5 SE
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| Thu Jan 24 2008 11:29pm |
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simon
Joined: 11 Jan 2005
Location: Do you really need to know ?
Posts: 13934
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Strips chosen for that very reason
Xenons added (bit of a problem currently when they start up though from cold) and fogs are standard on XS.
Well... someone here maybe selling their mantec soon (fingers crossed and also fingers crossed they dont have too), will keep an eye out for another RAI if one goes cheap - though not too worried bout that one yet.
In a quandary over keeping it clean or looking for mud at the moment... well its new you know.
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| Thu Jan 24 2008 11:43pm |
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Slimer
Site Moderator
Joined: 06 Jan 2005
Location: Nanny State
Posts: 11678
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simon wrote:Be good to hear from someone who has claimed from them though.
I asked the same a while back, looks like no one has though 
Nuke 'em! Nuke 'em all!
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| Fri Jan 25 2008 12:20am |
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CairnsDisco
Joined: 10 Aug 2007
Location: Norwich
Posts: 88
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Just tried to get a quote from LR. Wouldnt insure me as i am under 25. Does this mean im not going to be able to get offroad cover? Strange, was old enough to buy the vehicle.....hmmmm........ Say goodbye to the D3 soon. Say Hello to 110 double cab xs stornaway grey
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| Fri Jan 25 2008 9:27am |
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simon
Joined: 11 Jan 2005
Location: Do you really need to know ?
Posts: 13934
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Call NFU.
Also look in the back of any LR mag, loads of insurance companies in the ads section will do off road cover.
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| Fri Jan 25 2008 9:29am |
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Disconutter
Joined: 08 Aug 2007
Location: Walking a fine line
Posts: 794
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Slimer wrote:Seems to only be two that actually offer off-road cover:
LR - Not the cheapest but proven to payout for damage caused off-road
NFU - Generally good prices
I'm with CSMA who use Fizzell aka Liverpool & Victoria. When I spoke to them about this in November (I was considering changing to LR/NFU) they confirmed that although they wouldn't cover for any "time trailing or other competitive event" I am covered for all off road use as standard and this includes going to non-competitive events at pay & play sites, working off road for personal use such as logging and of course green lanes as these are part of the Queen's Highway network.
The great thing was it was also cheaper than either NFU or LR - so the moral of the story: Speak to your existing insurers before switching, and get them to confirm in writing or at very least provide a reference number for the conversation. Powered by............................
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| Fri Jan 25 2008 10:24am |
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