Advertise on DISCO4.COM
Forum · Gallery · Wiki · Shop · Sponsors
DISCO4.COM > Finance, Insurance and Warranties

Off Road Cover
Post Reply  Down to end
Page 1 of 2 12>
martin4x4
 


Member Since: 23 May 2005
Location: Norfolk, UK
Posts: 362

United Kingdom 2008 Discovery 3 TDV6 XS Auto Stornoway GreyDiscovery 3
Off Road Cover

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.  
Post #16152725th May 2007 2:41 pm
View user's profile Send private message View poster's gallery Reply with quote
Bodsy
Site Sponsor 


Member Since: 06 Nov 2006
Location: In the Clubhouse
Posts: 21361

United Kingdom 2007 Discovery 3 TDV6 HSE Auto Java BlackDiscovery 3

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

D4/D3 Remote FBH heat kits
BAS Remaps/ EGR Blank
Transmission Flush
Software updates/enabling


Clock/ SNOTM /3Flash / 4x4Info /BT Update /Service Reset/Error Codes / Gearbox Reset
See It Here 
 
Post #16153025th May 2007 2:52 pm
View user's profile Send private message View poster's gallery Send e-mail Reply with quote
WOODY179
 


Member Since: 01 Jun 2005
Location: Chesterfield
Posts: 3656

United Kingdom 

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 
 
Post #16153125th May 2007 2:52 pm
View user's profile Send private message View poster's gallery Send e-mail Reply with quote
DG
Site Moderator 


Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50979

Wales 

It should cover you anywhere off-road providing that you are not competing in event such as time trials, hill climbs ISTR. Wink 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  
Post #16153225th May 2007 2:54 pm
View user's profile Send private message View poster's gallery Reply with quote
Alex E
Holy Bratwurst! 


Member Since: 22 Mar 2006
Location: Club Tropicana (the drink's aren't free)
Posts: 869


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 Rolling Eyes
 I'm Powered by........Diesel Thud  
Post #16154025th May 2007 3:39 pm
View user's profile Send private message View poster's gallery Reply with quote
martin4x4
 


Member Since: 23 May 2005
Location: Norfolk, UK
Posts: 362

United Kingdom 2008 Discovery 3 TDV6 XS Auto Stornoway GreyDiscovery 3

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.  
Post #16157325th May 2007 5:34 pm
View user's profile Send private message View poster's gallery Reply with quote
simon
  


Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296

United Kingdom 2011 Discovery 4 3.0 SDV6 HSE Auto Fuji WhiteDiscovery 4

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 Thumbs Up Thumbs Up

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 Thumbs Up
  
Post #16162725th May 2007 9:00 pm
View user's profile Send private message View poster's gallery Reply with quote
BCP
 


Member Since: 25 May 2005
Location: East Scotland
Posts: 1471

United Kingdom 2016 Discovery 4 3.0 SDV6 Commercial Auto Loire BlueDiscovery 4

NFU Thumbs Up

BCP
  
Post #16162925th May 2007 9:03 pm
View user's profile Send private message View poster's gallery Reply with quote
DG
Site Moderator 


Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50979

Wales 

LR insurance didn't even want to know anything about where I had my prang Rolling Eyes They just got on with it Wink
 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  
Post #16164225th May 2007 9:31 pm
View user's profile Send private message View poster's gallery Reply with quote
simon
  


Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296

United Kingdom 2011 Discovery 4 3.0 SDV6 HSE Auto Fuji WhiteDiscovery 4

DG wrote:
LR insurance didn't even want to know anything about where I had my prang Rolling Eyes They just got on with it Wink


Nice Thumbs Up
  
Post #16164325th May 2007 9:33 pm
View user's profile Send private message View poster's gallery Reply with quote
10forcash
 


Member Since: 09 Jun 2005
Location: Ubique
Posts: 16534

United Kingdom 2007 Discovery 3 TDV6 HSE Manual Zermatt SilverDiscovery 3

DG wrote:
LR insurance didn't even want to know anything about where I had my prang Rolling Eyes They just got on with it Wink
well if they did, there was plenty of supporting evidence Laughing Laughing Laughing  
Post #16164625th May 2007 9:36 pm
View user's profile Send private message View poster's gallery Send e-mail Reply with quote
simon
  


Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296

United Kingdom 2011 Discovery 4 3.0 SDV6 HSE Auto Fuji WhiteDiscovery 4

10forcash wrote:
there was plenty of supporting evidence Laughing Laughing Laughing


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.
  
Post #16164725th May 2007 9:37 pm
View user's profile Send private message View poster's gallery Reply with quote
DG
Site Moderator 


Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50979

Wales 

I was trying to avoid the tractor beam Rolling Eyes
 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  
Post #16164825th May 2007 9:41 pm
View user's profile Send private message View poster's gallery Reply with quote
simon
  


Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296

United Kingdom 2011 Discovery 4 3.0 SDV6 HSE Auto Fuji WhiteDiscovery 4

DG wrote:
I was trying to avoid the tractor beam Rolling Eyes


Shame, as you would have missed the tree if you hadn't Rolling Eyes
  
Post #16165025th May 2007 9:44 pm
View user's profile Send private message View poster's gallery Reply with quote
DG
Site Moderator 


Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50979

Wales 

...but I might have been subjected to interstella irrigation Shocked
 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  
Post #16165125th May 2007 9:47 pm
View user's profile Send private message View poster's gallery Reply with quote
Display posts from the last:  
Post Reply Back to top
Page 1 of 2 12>
Jump to:  
Previous Topic | Next Topic >


Posting Rules
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum



DISCO4.COM Copyright © 2004-2024 Futuranet Ltd & Martin Lewis
DISCO3.CO.UK RSS Feed - All Forums

DISCO4.COM is independent and not affiliated to Land Rover.
Switch to Mobile Site