Slimer
Site Moderator
Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295
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Anyone had the pleasure misfortune of making a claim on an NFU policy for damage caused off-road? Just wondering how they responded 
NFU seem to be one of the few insurers (along with LR Insurance) that actually offer real off-road cover, but how do you fair if you actually need to claim? The End
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 30th May 2007 5:44 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
 
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Cross fingers I've never had to yet.
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| 30th May 2007 5:57 pm |
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SPOTTER
Member Since: 06 Dec 2006
Location: Adrift........
Posts: 3095
 
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what have you done?  end of an era ....... maybe a Defender when it appears.......
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| 31st May 2007 7:37 am |
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neo
Member Since: 16 Nov 2005
Location: embedded in the Matrix
Posts: 1192
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Well,
I have kind of....
I had my car broken into on a private car park, they were willing to handle the claim I just had to badger them that it was not just a glass claim, but also some trim and paint.
Technically I was not on the Queens highway. They were OK and the eventually came around to my way of thinking.  The M-Power Express
=~ prorsus per angustias ~=
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| 31st May 2007 8:02 am |
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Slimer
Site Moderator
Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295
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I haven't done anything, just considering them as my next insurer (though the lady I spoke to yesterday said they don't cover general off roading so they've been ruled out anyway!)
Danny, doesn't sound promising to me
Going to go with LR Insurance, they're prices have come down and they offer proper off road cover The End
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| 31st May 2007 8:45 am |
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Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
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Si they do cover general off roading as long as its non competitive, farmers don't usually stick to greenlanes! 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
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| 31st May 2007 8:53 am |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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Pelyma wrote:Si they do cover general off roading as long as its non competitive, farmers don't usually stick to greenlanes!
What I'm told too.
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| 31st May 2007 9:01 am |
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neo
Member Since: 16 Nov 2005
Location: embedded in the Matrix
Posts: 1192
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Generally I have found them to be very good, and cheapest with mods etc.
When I tried to get cover with LR insurance, they told me they DID NOT cover off-road usage - so I binned them straight away.
But, they seem to be quite popular on here, so nearer the time I shall see if they can quote me sensible.
The biggest issue I have had with them is with chipping, they don't seem to be able to get a proper handle on it.
I do like that I have a branch office and that the people 'know' me when I speak to them. The M-Power Express
=~ prorsus per angustias ~=
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| 31st May 2007 9:10 am |
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Slimer
Site Moderator
Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295
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I spoke to the main call centre last night, was told you're covered if you have to venture off road occasionally but not covered for playing off road. She told me one of the local offices may be able to offer different cover TBH honest I'm not really interested in insuring with them if they offer different cover depending on who you talk to, could be a nightmare if I had to make a claim  Have any of you that are covered with them actually checked the policy to see what it says about off roading?
Quote I got from LR Insurance is much more competitive than they've been in the past and as they have been proven to pay out for damage caused off roading in exactly the sort of situation it could happen to me The End
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| 31st May 2007 9:18 am |
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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 got the booklet through yesterday and it didn't say anything about off road cover,
granted i haven't read through every word but i went looking for the off road cover and i couldn't find it. I'm Powered by........Diesel 
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| 31st May 2007 9:24 am |
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neo
Member Since: 16 Nov 2005
Location: embedded in the Matrix
Posts: 1192
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Well, it is true that NFU rates do vary from office to office - I have proven this to them.
And the level/type of cover as well, when I had my genuine ex-event Camel Disco I got it insured to an agreed value as you just can't simply go out and buy a new one or an equivalent. Only the Tenterten branch offered the level of cover etc that I wanted for it.
I have moved around from branch to branch to get the cover that I want at the price that I want.
But, when it has come to modifications they have been fine, even advising me that the vehicle value has to be adjusted up to cover the new parts. And with no increase in premium.
Adrain Flux seem to be quite good in this regard as well, but I have heard mixed stories when claiming against them.
Anyway, as I recall you pay less for ins. than I do anyway??? The M-Power Express
=~ prorsus per angustias ~=
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| 31st May 2007 9:24 am |
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Slimer
Site Moderator
Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295
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If you push them you'll find Adrian Flux don't do off road cover (despite what they claim), green lanes only
I suspect I pay less coz I'm old and a safe risk Danny The End
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| 31st May 2007 9:31 am |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
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Slimer wrote:.... they have been proven to pay out for damage caused off roading in exactly the sort of situation it could happen to me
 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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| 31st May 2007 10:29 am |
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neo
Member Since: 16 Nov 2005
Location: embedded in the Matrix
Posts: 1192
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Yeah, nasty stretch of road that, eh DG  The M-Power Express
=~ prorsus per angustias ~=
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| 31st May 2007 3:08 pm |
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SPOTTER
Member Since: 06 Dec 2006
Location: Adrift........
Posts: 3095
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just rung my NFU agent in panic.
No problem off road (and yes he asid tha was anywhere offorad) as long as non competitive.....in fact he encouraged me to use it more in its intended environment.
Also asked about chipping ... done on a case by case basis, may incur upto a 10% penalty dependant upon exactly what you have done. end of an era ....... maybe a Defender when it appears.......
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| 31st May 2007 3:23 pm |
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