AAA.Happy.Disco1.Fan
Member Since: 04 Nov 2010
Location: West Yorks
Posts: 2895
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| When is a road not a road, and becomes an ''Off road'' road? |
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Reading much about ''off roading'' and insurance, I'm curious to know when a 'road' becomes an ''off road'' for the purposes of insurance cover
My understanding is that these ''Off Road'' tracks require vehicles to have Road Tax, (MOT) and Insurance, and are classed as roads in that way. But vehicles are not automatically covered by one's standard insurance cover.
Yes. I am confused.............. 
Heeeeeelp, please.
AAA 
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 27th Dec 2015 11:31 pm |
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Gareth
Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26741
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Basically, any public road/track/route that it is legal to drive on (as defined by the local councils list of streets) needs a vehicle to be road legal ie Insured, Mot'd, and registered etc.
Some policies do exclude 'unsurfaced' routes from their cover. My understanding is that providing your insurer does not specifically exclude unsurfaced roads, then they have to cover you. However, there will probably be lots of small print to negotiate in the event of a claim.
If you are serious about greenlaning (as opposed to Off Roading which is a completely different description), then my advice is to stick to the known insurers that advertise in the 4x4 community.
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| 27th Dec 2015 11:36 pm |
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AAA.Happy.Disco1.Fan
Member Since: 04 Nov 2010
Location: West Yorks
Posts: 2895
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T U very much, Gareth....... 
Then of course comes the next question:
Quote:If you are serious about greenlaning (as opposed to Off Roading which is a completely different description)
I got this from the 'GLASS Website: http://www.glass-uk.org/index.php/rights-of-way
New to green laning?
Here's a brief overview of what unsurfaced roads you can and can't drive
Put simply, you are legally entitled to drive BOATs (Byway Open to All Traffic) and UCRs(Unclassified County Roads), more commonly referred to as ORPAs (Other Route with Public Access) which is the term the OS use to describe UCRs.
OS key
--------------------------
Having looked at http://www.borda.org.uk/
As you write: ''Off Roading which is a completely different description''.
Many thanks - I'll stick to Greenlaning......
AAA 
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| 28th Dec 2015 12:21 am |
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galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
 
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its about time the forum had an insurance group buy...covering all off road...sure many would take it up
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| 28th Dec 2015 2:35 am |
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Dom Harvey
Lord of the Four Fingers
Member Since: 15 Apr 2005
Location: Dorset
Posts: 7454
 
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Something you don't want to get wrong! I was told recently by a LRE instructor that nowadays if its not covered in Tarmac then you won't be covered NFU being the exception. Always best to ask the specific question and get it in writing (fat chance) before committing to a policy if you're intending to go off-road. 2004 Discovery 3 - gone
2006 Discovery 3 - gone
2008 Discovery 3 GS - gone
2011 Freelander LE Special Edition - gone
2007 Discovery 3 XS - gone
2012 Discovery 4 GS - current
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| 28th Dec 2015 11:26 am |
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Andy Foster
Member Since: 27 Dec 2009
Location: Liverpool
Posts: 6551
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A Plan cover you for green lanes and all the mods I've done
Not had to make a claim to see how easy it is to recoup any costs, and hope I never have too 
Can't remember how much the policy was but I paid it so I must have been happy with it.
Andy D4 MY15 SE TECH
D3 gone but never forgotten.
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| 28th Dec 2015 11:35 am |
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Ted Newman
Member Since: 09 Oct 2010
Location: SE London
Posts: 840
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Dom Harvey wrote:Something you don't want to get wrong! I was told recently by a LRE instructor that nowadays if its not covered in Tarmac then you won't be covered NFU being the exception. Always best to ask the specific question and get it in writing (fat chance) before committing to a policy if you're intending to go off-road.
Huge sections of the M25 are not covered in Tarmac - just a concrete surface  LR Discovery 4 XS pulling an Airstream 532 Caravan also own (since new) a 1996 MGF
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| 28th Dec 2015 12:34 pm |
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Dom Harvey
Lord of the Four Fingers
Member Since: 15 Apr 2005
Location: Dorset
Posts: 7454
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...another reason not to drive on the M25 2004 Discovery 3 - gone
2006 Discovery 3 - gone
2008 Discovery 3 GS - gone
2011 Freelander LE Special Edition - gone
2007 Discovery 3 XS - gone
2012 Discovery 4 GS - current
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| 28th Dec 2015 12:37 pm |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50965
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Insurers can't change the legal definition of a highway ...and legally they cannot withdraw the 3rd party cover required to cover vehicles on a highway.....no?  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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| 28th Dec 2015 12:41 pm |
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Gareth
Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26741
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That's the way I understood it DG.
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| 28th Dec 2015 4:59 pm |
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AAA.Happy.Disco1.Fan
Member Since: 04 Nov 2010
Location: West Yorks
Posts: 2895
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Which seems to imply that the Insc Coy could / would (try to), not honour the rest of the cover if it was fully Comp. ?
AAA 
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| 28th Dec 2015 5:21 pm |
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Gareth
Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26741
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It depends on what circumstance you are claiming for. I reckon that some insurance companies would see a difference between accidentally reversing into a gate post, to sliding down a muddy slope into a gatepost.
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| 28th Dec 2015 5:29 pm |
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AAA.Happy.Disco1.Fan
Member Since: 04 Nov 2010
Location: West Yorks
Posts: 2895
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I was thinking that self same thing myself as I was typing my last.
Sliding down a slope .... could be classed as Slewy Slide ........ 
Getting hit by a fast moving combined harvester and ending up being baled out, might be another string, tho'
........................................ 
[AAA] In hiding.
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| 28th Dec 2015 6:52 pm |
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Dom Harvey
Lord of the Four Fingers
Member Since: 15 Apr 2005
Location: Dorset
Posts: 7454
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Gareth wrote:It depends on what circumstance you are claiming for. I reckon that some insurance companies would see a difference between accidentally reversing into a gate post, to sliding down a muddy slope into a gatepost.
.....or sliding down out of control into a tree , which I have seen!!! 2004 Discovery 3 - gone
2006 Discovery 3 - gone
2008 Discovery 3 GS - gone
2011 Freelander LE Special Edition - gone
2007 Discovery 3 XS - gone
2012 Discovery 4 GS - current
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| 28th Dec 2015 9:36 pm |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50965
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It was helping me stop 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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| 28th Dec 2015 10:02 pm |
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