Member Since: 21 Sep 2007
Location: Liverpool
Posts: 1411
Off Road Insurance - possible companies?
Hi - after taking the Level 1 Experience at Snowdonia I was hoping to go on a few off-road events etc. After all, ain't that what D3's are all about?
However, I've been stymied at the first hurdle by my insurance company (Norwich Union) who've told me there is no way they will cover me for off-road useage of any sort
Has anyone any suggestions for possible companies who provide off-road cover but will also cover my business use (not sales rep type use - class 1 business)?
NFU won't touch me as I'm not rural enough living in Liverpool and Land Rover Insurance wanted an arm, a leg and most of my lower torso....I see no ships........
18th Apr 2008 4:05 pm
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I use NFU for all of the above, but I am in Shropshire.......... Bodsys Brake Bible
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18th Apr 2008 4:09 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
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Yep - pay the extra for LR Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
18th Apr 2008 4:22 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
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LR Ins also didn't have any problems when one or our number had a run in with a tree on a private course.
18th Apr 2008 4:52 pm
CY
Member Since: 16 Aug 2005
Location: Warwickshire
Posts: 4506
Re: Off Road Insurance - possible companies?
SpiderBaby wrote:
NFU won't touch me as I'm not rural enough living in Liverpool
I'm about to phone them to ask if they will insure me in Edinburgh... wish me luck 2007 Porsche Boxster (987) 2.7
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18th Apr 2008 5:24 pm
DSL Keeper of the wheelie bin
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Location: Off again! :-)
Posts: 73085
18th Apr 2008 5:34 pm
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26774
I'm with NFU, and I live in 'rural' Stockport Even my wife insures her Mini via NFU. I use a local office based in Macclesfield.
18th Apr 2008 5:37 pm
CY
Member Since: 16 Aug 2005
Location: Warwickshire
Posts: 4506
Are your learner / learned teenagers insured through NFU too Gareth?2007 Porsche Boxster (987) 2.7
2008 Discovery 3 TDV6 HSE G4 Challenge (1 of 68)
2023 Defender 90 D250 X-Dynamic HSE
18th Apr 2008 5:45 pm
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26774
No, he has not yet got a job. The deal is I will help him financially to pass his test and get a cheap car, but he has to earn some dough with a part time job and be able to run it first 8)
I'm with Land Rover Ins, and it is quite a bit more than standard insurance but I needed the off road cover. NFU were even more expensive for me.
Adrian Flux may be worth a call as there standard 4X4 cover includes Off Road according to this web page.
Incidently, if you are on a green land and have an incident, wouldn't you be covered under normal insurance as it is a public highway?The surest sign that intelligent life exists elsewhere in the universe is that none of it has tried to contact us yet.
18th Apr 2008 5:50 pm
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26774
Yes a byway is a public road and insurance must be valid.
18th Apr 2008 5:52 pm
CY
Member Since: 16 Aug 2005
Location: Warwickshire
Posts: 4506
Gareth wrote:
No, he has not yet got a job. The deal is I will help him financially to pass his test and get a cheap car, but he has to earn some dough with a part time job and be able to run it first 8)
Yes, sounds like the same situation as me however I wont be getting my own car for a while yet (though have been giving my mind a treat on some...). Do you think NFU will cover them when you do? Apparently they can do very good deals for young drivers.2007 Porsche Boxster (987) 2.7
2008 Discovery 3 TDV6 HSE G4 Challenge (1 of 68)
2023 Defender 90 D250 X-Dynamic HSE
18th Apr 2008 6:06 pm
zaphod
Member Since: 18 Sep 2007
Location: Magrathea
Posts: 357
SB
I'm with Admiral. Have checked with them recently and I'm fully covered off road so long as I'm not racing or rallying.Sail Fast - Live Slow...
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Even my wife insures her Mini via NFU. I use a local office based in Macclesfield.
