SpiderBaby
Joined: 21 Sep 2007
Location: "Drink!"
Posts: 53
 
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| Off Road Insurance - possible companies? |
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Hi - after taking the Level 1 Experience at Snowdonia I was hoping to go on a few off-road events etc. After all, ain't that what D3's are all about?
However, I've been stymied at the first hurdle by my insurance company (Norwich Union) who've told me there is no way they will cover me for off-road useage of any sort 
Has anyone any suggestions for possible companies who provide off-road cover but will also cover my business use (not sales rep type use - class 1 business)?
NFU won't touch me as I'm not rural enough living in Liverpool and Land Rover Insurance wanted an arm, a leg and most of my lower torso.... 2005 D3 SE Auto - Zermatt / Ebony
1980 BMW R100RS - Blue
1980 Laverda Jota - BRIGHT Orange (and very LOUD)
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 Fri Apr 18 2008 5:05pm |
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Bodsy
Joined: 06 Nov 2006
Location: Home, home on the range........
Posts: 5471
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I use NFU for all of the above, but I am in Shropshire..........  TDV6 HSE Black, Black Wheels /MTR's(in the shed!), Black RRS front/rear LR badge (tbf) Black Leather, Black Glass, Black TowB, Shiny Tasmods, Dull Mantec, White (& Orange) Reflective D3 Sticker, Black steering wheel badge, black air intake. Optima & Traxide dual battery setup.
Need black RRS wheel centre caps.
Now with added Engel.....
We D3, therefore we are..........
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| Fri Apr 18 2008 5:07pm |
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RLD
Uncle Ray
Joined: 18 Jul 2005
Location: lancs
Posts: 3053
 
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Land Rover ins Will is it me your looking for.
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| Fri Apr 18 2008 5:09pm |
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DSL
Joined: 11 May 2006
Location: In the Dog House!
Posts: 9591
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LR Ins also didn't have any problems when one or our number had a run in with a tree on a private course.  Honda Dog U better DUCK!!!!!
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| Fri Apr 18 2008 5:52pm |
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CY
Joined: 16 Aug 2005
Location: The Bonnie Banks of the Forth
Posts: 3297
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| Re: Off Road Insurance - possible companies? |
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SpiderBaby wrote:NFU won't touch me as I'm not rural enough living in Liverpool
I'm about to phone them to ask if they will insure me in Edinburgh... wish me luck  DISCO3's Student Correspondent...
Discovery 3 TDV6 SE
Volvo V70 T5 SE
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| Fri Apr 18 2008 6:24pm |
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DSL
Joined: 11 May 2006
Location: In the Dog House!
Posts: 9591
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 Honda Dog U better DUCK!!!!!
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| Fri Apr 18 2008 6:34pm |
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Gareth
Site Moderator
Joined: 07 Dec 2004
Location: Bob the Builders 'ere
Posts: 9641
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I'm with NFU, and I live in 'rural' Stockport  Even my wife insures her Mini via NFU. I use a local office based in Macclesfield. Silver TDV6 HSE
Pepper White Cooper S Convertible
Old English White MGB GT
Ex Military 109 Series 2a Soft Top
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| Fri Apr 18 2008 6:37pm |
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CY
Joined: 16 Aug 2005
Location: The Bonnie Banks of the Forth
Posts: 3297
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Are your learner / learned teenagers insured through NFU too Gareth? DISCO3's Student Correspondent...
Discovery 3 TDV6 SE
Volvo V70 T5 SE
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| Fri Apr 18 2008 6:45pm |
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Gareth
Site Moderator
Joined: 07 Dec 2004
Location: Bob the Builders 'ere
Posts: 9641
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No, he has not yet got a job. The deal is I will help him financially to pass his test and get a cheap car, but he has to earn some dough with a part time job and be able to run it first  Silver TDV6 HSE
Pepper White Cooper S Convertible
Old English White MGB GT
Ex Military 109 Series 2a Soft Top
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| Fri Apr 18 2008 6:47pm |
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Snowy
Joined: 06 Jul 2007
Location: At the end of my tether
Posts: 820
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I'm with Land Rover Ins, and it is quite a bit more than standard insurance but I needed the off road cover. NFU were even more expensive for me.
Adrian Flux may be worth a call as there standard 4X4 cover includes Off Road according to this web page.
Incidently, if you are on a green land and have an incident, wouldn't you be covered under normal insurance as it is a public highway? If you are annoying me, just remember it takes 42 muscles for me to frown and only 4 to extend my middle finger, and I'm lazy so don't be offended.
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| Fri Apr 18 2008 6:50pm |
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Gareth
Site Moderator
Joined: 07 Dec 2004
Location: Bob the Builders 'ere
Posts: 9641
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Yes a byway is a public road and insurance must be valid. Silver TDV6 HSE
Pepper White Cooper S Convertible
Old English White MGB GT
Ex Military 109 Series 2a Soft Top
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| Fri Apr 18 2008 6:52pm |
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CY
Joined: 16 Aug 2005
Location: The Bonnie Banks of the Forth
Posts: 3297
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Gareth wrote:No, he has not yet got a job. The deal is I will help him financially to pass his test and get a cheap car, but he has to earn some dough with a part time job and be able to run it first
Yes, sounds like the same situation as me however I wont be getting my own car for a while yet (though have been giving my mind a treat on some...). Do you think NFU will cover them when you do? Apparently they can do very good deals for young drivers. DISCO3's Student Correspondent...
Discovery 3 TDV6 SE
Volvo V70 T5 SE
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| Fri Apr 18 2008 7:06pm |
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zaphod
Joined: 18 Sep 2007
Location: Magrathea
Posts: 106
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SB
I'm with Admiral. Have checked with them recently and I'm fully covered off road so long as I'm not racing or rallying. Sail Fast - Live Slow...
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| Fri Apr 18 2008 7:25pm |
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Gareth
Site Moderator
Joined: 07 Dec 2004
Location: Bob the Builders 'ere
Posts: 9641
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NFU will be asked to quote, as will a few others. Silver TDV6 HSE
Pepper White Cooper S Convertible
Old English White MGB GT
Ex Military 109 Series 2a Soft Top
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| Fri Apr 18 2008 7:35pm |
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