Member Since: 12 Oct 2013
Location: Edinburgh
Posts: 87
Offroad insurance
Chaps, some advice please: I'm thinking of taking my own D3 on an organised off-roading day. The organisers require "off road insurance cover". My D3 is on a normal multicar policy.
Does anyone know if normal insurance companies offer this cover or include it as standard? Do I have to go specialist?
I'll phone my insurer later this week but any words of wisdom welcome...
Thanks,
GavinDiscovery 3 HSE Auto (2007)
VW Golf TDI (2010)
Jaguar Sovereign 4.2 (1984)
Discovery 3 S Auto (2005), now sold
5th May 2014 8:36 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73085
LR Ins, NFU, A-Plan & Adrian Flux spring to mind as offering offroad cover with their policies.
5th May 2014 8:42 pm
galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
this weekend we had the same problem as we were booked in to a TREC day at lre Honiton using our own vehicle.
admiral .our multicar insurance firm didn't want to know..even for a premium.
so I contacted landrover insurance and it was sorted,,,
they have the idea...if you bought a landrover
you WOULD be going off road...common sence really...
we will def being going with lr next time and changing our other lr as well
6th May 2014 1:02 am
gavinEd
Member Since: 12 Oct 2013
Location: Edinburgh
Posts: 87
Thanks for that - I'm with Admiral too. At least for now....Discovery 3 HSE Auto (2007)
VW Golf TDI (2010)
Jaguar Sovereign 4.2 (1984)
Discovery 3 S Auto (2005), now sold
6th May 2014 5:44 am
Dave T
Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6910
Gavin, is that the one at LRE Dunkeld? There is a driving day at Bathgate on Sunday 25th, run by SLROC, £25 a car, no need to be a member. Joined the BMWX5 45e group
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6th May 2014 5:48 am
euangibson
Member Since: 24 Dec 2010
Location: Borders
Posts: 11027
Where/what are you thinking of doing/going ?"Better to remain silent and be thought a fool,than to speak out and remove all doubt" ?.....what rubbish...
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6th May 2014 5:50 am
gavinEd
Member Since: 12 Oct 2013
Location: Edinburgh
Posts: 87
Dave T,
Yes, LRE at Dunkeld driving through various Perthshire estates - looked good, although they require off-road insurance; my policy is a multicar with Admiral and they don't appear to offer this as cover which is proving a bit problematic.
G.Discovery 3 HSE Auto (2007)
VW Golf TDI (2010)
Jaguar Sovereign 4.2 (1984)
Discovery 3 S Auto (2005), now sold
6th May 2014 4:53 pm
Dave T
Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6910
Yes it is a great place to go, but have you ever thought of green road runs with SLROC, they can be as little as a fiver for a day outJoined the BMWX5 45e group
1994 Defender 90
2015 RRS Corris Grey/Black roof
2016 D4 Graphite Santorini Black
2012 D4 XS Orkney Grey
2005 D3 S Maya Gold
Convoy for Heroes 2011
6th May 2014 6:06 pm
galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
some say if its not competive its can be regard as covered under SOCIAL AND DOMESTIC use but I cant see that being accepted
6th May 2014 8:47 pm
GarryM
Member Since: 06 Mar 2013
Location: Devon
Posts: 13
My (old) insurer, Tesco, were very clear that any off road driving, i.e. beyond that which you might reasonably be expected to do in a road car, was not covered and they considered this to be consistent with all typical road car insurance. As mentioned, Adrian Flux, A-Plan, LR and other specialists do provide off road cover. I tried A-Plan as they are sponsors here but they were not competitive for me as I needed 15k miles a year. Adrian Flux beat my renewal quote from Tesco.
6th May 2014 8:55 pm
DiscoDunc
Member Since: 08 May 2006
Location: Bristol
Posts: 16390
LR insurance every time - only a major claim can prove how good your insurer really is!
had tescos in the past, and in the event of a basic claim they were amazingly slow and painfull!!
if you are never going to have an accident or an offroad incident than fine , go with the cheapest Duncan
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