martin4x4
Member Since: 23 May 2005
Location: Norfolk, UK
Posts: 362
  
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I have been thinking of phoning my insurance company (NFU) to add "Off Road Cover" for the Rockingham adventure, but having read various comments here I wonder what additional cover this would give, as it does not seem that this event would be covered.
There is some talk about Green Lane cover, but as these are public highways they would come under the normal cover, in the event of an accident.
So my question is -- What does Off Road cover provide and what would one expect to pay extra for this? Discovery 3 XS Auto, Stornaway, Active rear diff.
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 25th May 2007 2:41 pm |
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Bodsy
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Member Since: 06 Nov 2006
Location: In the Clubhouse
Posts: 21361
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I'm with NFU and they explained that provided you are not competing in a time trial or race event, then you are covered. Bodsys Brake Bible
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| 25th May 2007 2:52 pm |
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WOODY179
Member Since: 01 Jun 2005
Location: Chesterfield
Posts: 3654
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I believe that the NFU give you off road cover as standard so you should already have the cover. At least they did when I was insured with them. 1996 Discovery 1 300TDI ES Biarritz Blue, sold
1999 Discovery 2 TD5 ES Rioja Red, sold
2002 Discovery 2 TD5 ES Buckingham Blue, sold
2005 Discovery 3 TDV6 HSE Adriatic Blue, sold
2006 Discovery 3 TDV6 HSE Zambezi Silver, sold
2011 Discovery 4 SDV6 HSE Nara Bronze, sold
2016 Volvo XC60 D5 AWD Lux Nav Twilight Bronze, sold
2020 Range Rover Evoque P250 First Edition, Nolita grey, sold
2023 Range Rover Evoque P300e Autobiography, Carpathian grey
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| 25th May 2007 2:52 pm |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
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It should cover you anywhere off-road providing that you are not competing in event such as time trials, hill climbs ISTR.  Always check with your insurer. 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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| 25th May 2007 2:54 pm |
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Alex E
Holy Bratwurst!
Member Since: 22 Mar 2006
Location: Club Tropicana (the drink's aren't free)
Posts: 869
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i fully read my cover (first time ever) and apparently if i pay to go off road it won't cover me.
luckly i never pay my bills  I'm Powered by........Diesel 
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| 25th May 2007 3:39 pm |
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martin4x4
Member Since: 23 May 2005
Location: Norfolk, UK
Posts: 362
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I have read my NFU policy too.
I don't find anything that mentions 'off-road' cover. What I find is the mention of Teritorial Limits, but no mention of public highway -- so my thought is that I am covered as long as it's not (amoungst others) being used for rallies and racing.
But... Discovery 3 XS Auto, Stornaway, Active rear diff.
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| 25th May 2007 5:34 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
 
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I spoke to my local NFU a number of times re this and each time they checked and called me back to say it was OK as long as its not for :
Hire
Time trials
Rallying
Was told, they know what LR owners use their LR for... so cover for this use.
They are in fact 500 yds from Shukers and are the insurance company Shukers recommend. Thats why I popped in to see them and had a quote that was way below any other I'd had previously.
Oh... and they work all the way up to 12:00 Xmas Eve, especially so I could get my cover note done (twice due to reg number mistake), and all with a glass of sherry and a mince pie 
No computer based phone system, no call centre, just people who remember your name when you call them up.
For these last two reasons I will use them again and again.
Its a people thing
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| 25th May 2007 9:00 pm |
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BCP
Member Since: 25 May 2005
Location: East Scotland
Posts: 1471
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NFU
BCP
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| 25th May 2007 9:03 pm |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
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LR insurance didn't even want to know anything about where I had my prang They just got on with it 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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| 25th May 2007 9:31 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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DG wrote:LR insurance didn't even want to know anything about where I had my prang They just got on with it
Nice
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| 25th May 2007 9:33 pm |
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10forcash
Member Since: 09 Jun 2005
Location: Ubique
Posts: 16534
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DG wrote:LR insurance didn't even want to know anything about where I had my prang They just got on with it
well if they did, there was plenty of supporting evidence 
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| 25th May 2007 9:36 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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10forcash wrote:there was plenty of supporting evidence
Yeah very strong evidence.
And a bunch of mates to back up nay story you cared to make up - apart from alien abduction cause that would be just plain silly.
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| 25th May 2007 9:37 pm |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
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I was trying to avoid the tractor beam 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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| 25th May 2007 9:41 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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DG wrote:I was trying to avoid the tractor beam
Shame, as you would have missed the tree if you hadn't
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| 25th May 2007 9:44 pm |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
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...but I might have been subjected to interstella irrigation  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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| 25th May 2007 9:47 pm |
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