Warning: LR Insurance say they give new for old for 12 months, only if you're the 1st owner on the log book.
I am this time, but our RRS was the dealer's demo, so we were the second owner.Matt
5th Oct 2006 4:17 pm
Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
Careful with Adrian Flux, when I spoke to them off road cover was only on cars worth less than £30K. They are a good company though, I have insured several cars through them and made a claim. I use NFU as I do mainly drive on bridleways and fields (yes with permission) rather than green lanes.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
I spoke to Adrian Flux again about their off-road cover and I wanted to see written terms etc. They don't have any, but when I questioned was it only green lane cover, they said "it is full off road and green laning cover, as long as its for a bit of fun and not time trials or racing".
The trouble is without anything in writing and no mention to off-road use in the policy, it could come to a sticky situation if you wanted to claim for an off-road incident.
If I'm insuring a £43k car, new for old for 12 months and they include off-road cover on the policy, then it should be covered, regardless of the value.
At £100 cheaper than the NFU, it's quite a saving.Matt
6th Oct 2006 1:07 pm
Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
That's why I looked at it and questioned if I was covered off road and was told that part of the policy was only applicable to cars under £30K.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
That's the problem I had with MCE, after about a month of trying and me getting increasingly frustrated at how incompetent they were I finally got written confirmation of the off-road cover (just a typed page, nothing official looking) it was so restrictive I cancelled the policy
I really don't understand why these companies that supposedly offer off-road cover have such an issue in supplying details in writing, gives you no confidence in them at all and leads you to presume they don't really give you the cover
As I said earlier if there's an insurance company out there that can offer decent off-road cover at a reasonable cost (and provide proof in writing!) they're practically guaranteed some new businessThe End
I've used all the screen scrapers and the I can get 'normal' insurance for £400 from many suppliers.
The NFU is £183 more than this and LR Insurance is massive £253 more. While NFU offer new for old for 2 years, most of the others are pretty much the same. They all offer courtesy cars etc etc. I'm willing to pay extra to have off-road cover, but this does seem rather a lot extra for the 4 or 5 times per year that I've driven in the mud!
If only someone could offer a separate off-road policy, even if it was limited to so many days per annum.
I've used NFU for a few years now and I only hear praise for them, so I will insure with them again. But after an looking into this quite extensively, it seems that us 4x4 drivers are limited with our choices.Matt
6th Oct 2006 1:31 pm
Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
I think most off road drivers take the risk as they do not drive £40K cars off road. Many do not realise they aren't covered!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
6th Oct 2006 1:39 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
I know this is a naive statement but apart from a total loss (sinking into a whole even bigger than the one VA got his RRS stuck in) what is the actual risk here? Typical speeds are 5mph yes?
Of course there's the chance to roll one on a slope but apart from a panel bash against a tree what else is there?Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
6th Oct 2006 2:14 pm
simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
and yer mates can always drag you to the nearest road or green lane before you report the accident
But panel damage often means chassis damage now. True, low risk, but if you did slide into a tree, the cost of repair could be massive.Matt
6th Oct 2006 2:42 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
Point taken.
Did anyone ever find an outfit who would do one-off/single day offroad insurance you can get over and above your existing 12 month on-road/green-lane insurance? Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
6th Oct 2006 2:46 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
And then there's the obvious risk of running someone (else) over!!! Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
6th Oct 2006 3:03 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73079
qzdcg8 wrote:
I know this is a naive statement but apart from a total loss (sinking into a whole even bigger than the one VA got his RRS stuck in) what is the actual risk here? Typical speeds are 5mph yes?
Only this!
6th Oct 2006 3:10 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
Ouch! Was it hit by a stationary tree?Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
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