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trigram
Member Since: 25 May 2010
Location: Coulsdon
Posts: 135
  
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| Insurance cover from non 4x4 specialised providers |
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How would they regard coverage if we use our vehicles on "soft road"? Not green laning, which I dont plan on doing.
The best quote I have got is from LV and Direct line. FullyComp with european breakdown approx £680ish. I'm just concerned that if i breakdown on a field, or on a country track, they may refuse any claim. "...I'm so broke I can't even pay attention..."
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 10th Aug 2010 1:12 pm |
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J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
  
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breakdown or crash? 2014 D4 XS
2005 D3 SE - Gone
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| 11th Aug 2010 3:59 pm |
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trigram
Member Since: 25 May 2010
Location: Coulsdon
Posts: 135
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J@mes wrote:breakdown or crash?
Either. Lets say I damage the car in snow conditions. Would insurers view that as unacceptable and decline any claim? "...I'm so broke I can't even pay attention..."
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| 11th Aug 2010 11:48 pm |
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anglefire
Member Since: 09 Mar 2010
Location: In the Club House
Posts: 4180
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Green laning should be covered on all policies - they are public roads.
For what it's worth, i'm insured with LV - and pay less than £400 Mark.
2006, D3 SE Auto - gone but not forgotten.
2014 BMW 530d M Sport Tourer.
1977 Triumph Spitfire 1500
_________________________________________________
Disco Picture Website Here
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| 11th Aug 2010 11:57 pm |
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J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
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depends then on the insurers own policy details - if you are off road on your own private land (say a farm for example) then I can't see it being any different from having an accident on your drive way.
but if you are on a pay/play site or off roading on private tracks such as the keilder event then I expect it would be different! 2014 D4 XS
2005 D3 SE - Gone
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| 12th Aug 2010 8:05 am |
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Alan G
Member Since: 15 Oct 2008
Location: Lanarkshire
Posts: 1372
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I got two quotes in yesterday from Land Rover & NFU Mutual, both were aprox the £650 mark, but both of these insurers cover you for off road driving, with the usual disclaimers against rallies, trials etc.
Land Rover is 21.0% apr if you pay monthly against 2.75% from NFU ATB
Alan
http://www.youtube.com/user/Bonzo676767#p/u
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| 13th Aug 2010 1:45 pm |
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trigram
Member Since: 25 May 2010
Location: Coulsdon
Posts: 135
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Quotes from sureterm and NFU were around the £800 mark. If voice only could sell, the lady at the end of the nfu phone would get my custom! She sounds very nice  However, back to the real world. As its my first year of ownership, I wont be able to get any price down to the levels that you guys are paying. Its down to DirectLine or LV (LV being a few £ cheaper). "...I'm so broke I can't even pay attention..."
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| 14th Aug 2010 1:42 am |
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Stoveman
Member Since: 18 May 2010
Location: Cornwall
Posts: 104
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I'm paying £400 fully comp in Cornwall on a 2006 SE,40 years old,8 years no claims,no offroad and high risk occupation! £30 a year more than my 96 Hardtop 110 was  .
Phil.
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| 18th Aug 2010 10:48 pm |
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