CairnsDisco
Member Since: 10 Aug 2007
Location: Norwich
Posts: 91
  
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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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 24th Jan 2008 9:40 pm |
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Slimer
Site Moderator
Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295
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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 The End
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| 24th Jan 2008 9:44 pm |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50979
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LR Insurance covers you as per normal full comprehensive..including anywhere offroad.  21 year LR veteran > D2 GS 2003 > D3 S 2006 > D3 HSE 2009 > D4 HSE 2013 > D4 HSE 2015 > D5 HSE 2018 > DS HSE R-Dynamic P300e 2021
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| 24th Jan 2008 9:46 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
 
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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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| 24th Jan 2008 10:10 pm |
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mick
Member Since: 21 Jan 2007
Location: Yorkshire
Posts: 2049
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Ithink BCB is with NFU and has put a clsim in other his double pranged door.
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| 24th Jan 2008 10:14 pm |
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CY
Member Since: 16 Aug 2005
Location: Warwickshire
Posts: 4506
 
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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? 2007 Porsche Boxster (987) 2.7
2008 Discovery 3 TDV6 HSE G4 Challenge (1 of 68)
2023 Defender 90 D250 X-Dynamic HSE
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| 24th Jan 2008 10:14 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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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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| 24th Jan 2008 10:17 pm |
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CY
Member Since: 16 Aug 2005
Location: Warwickshire
Posts: 4506
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Congrats on the new D3 Simon by the way, looks great 8) 2007 Porsche Boxster (987) 2.7
2008 Discovery 3 TDV6 HSE G4 Challenge (1 of 68)
2023 Defender 90 D250 X-Dynamic HSE
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| 24th Jan 2008 10:18 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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CY wrote:
Congrats on the new D3 Simon by the way, looks great 8)
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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| 24th Jan 2008 10:23 pm |
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CY
Member Since: 16 Aug 2005
Location: Warwickshire
Posts: 4506
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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  ) 2007 Porsche Boxster (987) 2.7
2008 Discovery 3 TDV6 HSE G4 Challenge (1 of 68)
2023 Defender 90 D250 X-Dynamic HSE
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| 24th Jan 2008 10:29 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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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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| 24th Jan 2008 10:43 pm |
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Slimer
Site Moderator
Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295
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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  The End
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| 24th Jan 2008 11:20 pm |
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CairnsDisco
Member Since: 10 Aug 2007
Location: Norwich
Posts: 91
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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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| 25th Jan 2008 8:27 am |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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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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| 25th Jan 2008 8:29 am |
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MrH
Member Since: 08 Aug 2007
Location: lost in the forest
Posts: 7754
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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. LRs are a fond memory, apart from the maintenance.
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| 25th Jan 2008 9:24 am |
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