DSL wrote:

Duncan, who you using for offroad cover?

DiscoDunc wrote:

I couldnt find any insurer other than LR and NFU that covered offroad properly.

some insurers didnt even know what it meant they though it meant SORN

those that did cover offroad only covered green lanes and were very fluffy when i started quizing them on actual offraod cover, ie not a green lane but somewhere like private land or some kind of "event" - which is a word they like even less..

some will say it doesnt matter and if you have a bump or get some damage just drive onto the road etc.

However, if you hit someone and injur them - that approach wont work. the last thing i wanted was to hit someone offroad , injur them or even worse, then find out the insurance company wouldnt cover me because their definition of offrorad was different to mine.

so I stuck with LR

Sounds about right!
Surely green lanes which they quote as being legal taxable roads would be covered under standard insurance as your not legally off road (so to speak)?

I take it LR insurance is expensive though? Are they actuall underwritten by another company is it actually LR?

Do you actually inform them of items like a FBH mod etc? I suppose its better to have anything that stops them finding an excuse to get out of a payout.

Cheers, Ceekay