Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352
Off-Road events organised by Clubs/Manufacturers are covered, along with Green Laning the same as any other road. If you are out in a field or generally 'off road' then you are covered as long as you don't put your vehicle in any undue danger e.g trying to transverse a river.
Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation
23rd Aug 2018 8:11 am
gstuart
Member Since: 21 Oct 2016
Location: kent
Posts: 14129
Dam it, I better cancel my Paris Dakar trip
PS, also insured with ur goodselves and top marks for always going that extra mile finding a good quote and customer service
23rd Aug 2018 8:41 am
A-Plan Insurance Site Sponsor
Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352
Thanks GStuart Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation
23rd Aug 2018 8:44 am
Mogwyth
Member Since: 03 Oct 2014
Location: Pwllheli
Posts: 3976
professorpool wrote:
Why would you need cover to drive off road?
a track across a private land, say, is private land and needs no insurance at all.
Not true all of the time, our farm track is private land, however there are lno ocked gates nor signs restricting use to qualifying parties or comes under the road traffic act so you need insurance.==================================
05 D3 HSE V8 4.4
04 MG TF 135
03 MG TF 115 Cool Blue Edition
02 MG TF 160
00 Hymer B564 Lionheart
1971 Series III 109
23rd Aug 2018 8:53 am
professorpool
Member Since: 19 Mar 2012
Location: Woking
Posts: 3213
That land accessible to the public so the same as the highway (like a school carpark, pub carpark, your drive, etc..
ETA: I was really meaning pay and play sites - the sort of places someone would take their 4x4.
However, the EU are currently attempting to change the legislation so that ALL private land is also covered.
Revolves around a case where someone was injured by a tractor on a farm - but I can't remember the name of the case.D3 07 SE - still going strong
D3 07 HSE - gone to car heaven
FL1 - gone to Romania
D3 05 HSE - gone to a divorce diet
D1 V8 manual - gone but not forgotten
RR Classic - gone to car heaven
Jeeps, Lexus, X-trails... Too many to name..
23rd Aug 2018 8:57 am
Mogwyth
Member Since: 03 Oct 2014
Location: Pwllheli
Posts: 3976
We have to have third party cover for the farm just like any other business, vehicle insurance doesn't come into it, it covers the farm, equipment, animals etc.==================================
05 D3 HSE V8 4.4
04 MG TF 135
03 MG TF 115 Cool Blue Edition
02 MG TF 160
00 Hymer B564 Lionheart
1971 Series III 109
23rd Aug 2018 9:17 am
professorpool
Member Since: 19 Mar 2012
Location: Woking
Posts: 3213
Of course... that is different.
I'm on about a test case currently going through that will cause a rate rise to motor insurance as cover is extended to cover more eventualities.
Another example is, an insurer is not currently liable if a vehicle is used deliberately as weapon.D3 07 SE - still going strong
D3 07 HSE - gone to car heaven
FL1 - gone to Romania
D3 05 HSE - gone to a divorce diet
D1 V8 manual - gone but not forgotten
RR Classic - gone to car heaven
Jeeps, Lexus, X-trails... Too many to name..
23rd Aug 2018 9:28 am
Mogwyth
Member Since: 03 Oct 2014
Location: Pwllheli
Posts: 3976
You said it involved a tractor, ours is covered under our third party liability cover, couldn't use it otherwise.==================================
05 D3 HSE V8 4.4
04 MG TF 135
03 MG TF 115 Cool Blue Edition
02 MG TF 160
00 Hymer B564 Lionheart
1971 Series III 109
23rd Aug 2018 9:33 am
professorpool
Member Since: 19 Mar 2012
Location: Woking
Posts: 3213
Pesky EU eh?D3 07 SE - still going strong
D3 07 HSE - gone to car heaven
FL1 - gone to Romania
D3 05 HSE - gone to a divorce diet
D1 V8 manual - gone but not forgotten
RR Classic - gone to car heaven
Jeeps, Lexus, X-trails... Too many to name..
23rd Aug 2018 9:49 am
Dave T
Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6910
al cope wrote:
Actually gone with Admiral on a multicar policy as my youngest is only 19, and over the 3 cars on the drive has saved over 400quid (when using annualised figures), and seeing as its me that pays for all of them is a result (for now)
Al
I've been very happy with Admiral multi cover for a couple of years now with similar 19 year old and have included house insurance as well, will see in the next couple of weeks if I will remain happy when the renewal comes in..........Joined 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
23rd Aug 2018 11:23 am
B16 KJR
Member Since: 10 Jul 2006
Location: Rosyth, Fife
Posts: 3005
I've been with Admiral multi-car for a good few years now, but their price just kept creeping up every year. This year they wanted £740 for the D4 and my wife's Kia Soul, so shopped around and got better cover with Direct Line for £529
23rd Aug 2018 4:05 pm
galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
be interesting to know what percentage is added for the said "off road cover"
mine was £900 last year with flux...not bothered this year so £370
23rd Aug 2018 5:07 pm
Dave T
Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6910
Hmm, renewal came in from Admiral, it had gone up to £2034 for Disco, Audi A1 and Adam (with 20 year old driving) and home insurance. I was happy with A1 and Adam costs but house and Disco were a bit iffy.
10 minutes on the phone and I'm down to £1568...…..which is cheaper than last year which didn't have the house cover on it (£566 for a 20 year old in an Adam is brilliant)
I did query why and he did say it was just computer generated and they have discounts they can apply.
Moral of the story, always give them a call.Joined 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
26th Aug 2018 9:42 am
deanslandy
Member Since: 17 Jan 2015
Location: nuneaton
Posts: 651
A-Plan Insurance wrote:
Thanks for some recommendations for us
If you want to give us a call for a quote you are welcome to call us on 01635 874646
Our Thatcham office has the specialist 4x4 cover including off-roading policies if needed
Worth looking on trustpilot to compare reviews for insurers and peoples experiences with them
Thanks
Carlie
Mine is due in November so will give A plan a call a bit closer to the time Belts, oil pump casing and water pump by Flack
Transmission flush by Geoff
26th Aug 2018 10:00 am
B16 KJR
Member Since: 10 Jul 2006
Location: Rosyth, Fife
Posts: 3005
Dave T wrote:
I did query why and he did say it was just computer generated and they have discounts they can apply.
Moral of the story, always give them a call.
I did give them a call and £740 was the best they could get it down to. To me, it seems nowadays that the longer you are with a company the worse they seem to treat you price wise. It appears that all the price incentives/discounts are directed towards new customers. For me, loyalty is a thing of the past
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