Member Since: 03 Apr 2007
Location: Salford
Posts: 533
I'm looking to renew myself this month. Esure renewal was £474 while LRI want £970 Badda bing.......How you doin'?
Java black SE, standard spec. Clean and shiny.
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Club TFC - Off Road Essentials
Club Tesco Finest Warranty
Club G4 Stickers even though it's not a G4
Club Rhino Rack
4th May 2009 12:11 pm
NeilD
Member Since: 01 Dec 2008
Location: Sunny Surrey
Posts: 4845
Example: Farmer has a D3 insured by A.Insurance Ltd. Whilst in the field he reverses into a tree. Would A.Insurance allow the claim of would he of needed 'Off Road Cover'.
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26772
I think most insurers who offer 'off road' cover, when asked to qualify the level of cover will say you are not covered if you pay to drive off road, ie pay and play day. If you are on a caravan site, or you are a farmer tending your flock, and you slide into a tree, you have not had to pay purely for the privilege of driving there, so would be covered.
There are a lot of insurers making a big thing out of offering 'green lane' cover, when in fact all insurance covers green lanes, as they are public roads.
22nd Aug 2009 9:29 pm
Buckingham
Member Since: 08 Mar 2006
Location: Herefordshire
Posts: 958
countrywide wrote:
Mine is £400 with Adrian Flux, insured for business, unlimited miles, proper off road, protected bonus, courtesy car, legal etc.
Just rang them for a quote as the NFU quoted a staggering £670 this year and that includes the loyalty bonus!!
Unbelievable....exactly as countrywide has said above plus volunteer response, combine escorting and all the clobber on the car no problem...me and the wife £404!!!!nil admirari
835
3rd Dec 2009 6:23 pm
philhunt
Member Since: 16 Sep 2007
Location: MI5 not 9 to 5
Posts: 1761
Still waiting for my NFU renewal to arrive. My D1 and D3 are on the same policy with them.
Interested to know what the Adrian Flux 'proper off road' cover actually covers you for. Anyone?Clubs Mantec, Tasmods, LEDS, AT2s on 18s, Maxxis Bighorns on 17s, Remote FBH, BAS. ReMap, BSS., RLD Personalised SWP., Safari Snorkel, Faultmate, Three Musketeers & MUD
3rd Dec 2009 7:44 pm
SpiderBaby D3 Decade
Member Since: 21 Sep 2007
Location: Liverpool
Posts: 1410
I tried Adrian Flux again this year.
They told me they do off-road cover (exc. timed trials etc but inc. pay and play) but I had to argue to have it specifically written down - in the end I got an email stating off-road use was covered.
As it was, by the time they bumped up the premium for having a sump guard, having a predilection for scratching my a e and everything else, it wasn't worth it and I've stayed with LR. I'm not sure how binding the email would be anyway.
LR are bl dy expensive but so was the car and I pay for the postcode, having had a bump, mileage, business use etc.
I guess it's pay your money, take your choice.
I know some people don't bother when off-road but what would be the situation if it wasn't just your car you damaged or (God forbid) you hit a third party?I see no ships........
3rd Dec 2009 8:04 pm
NeilD
Member Since: 01 Dec 2008
Location: Sunny Surrey
Posts: 4845
Member Since: 16 Sep 2007
Location: MI5 not 9 to 5
Posts: 1761
It beggars belief that Insurers jack up premiums because mods that are designed to minimalise or prevent damage to the vehicle have been fitted. Mods that increase performance are another matter.Clubs Mantec, Tasmods, LEDS, AT2s on 18s, Maxxis Bighorns on 17s, Remote FBH, BAS. ReMap, BSS., RLD Personalised SWP., Safari Snorkel, Faultmate, Three Musketeers & MUD
3rd Dec 2009 8:18 pm
NeilD
Member Since: 01 Dec 2008
Location: Sunny Surrey
Posts: 4845
Member Since: 16 Sep 2007
Location: MI5 not 9 to 5
Posts: 1761
???? Expand Neil - don't understand - probably pressure of my work!Clubs Mantec, Tasmods, LEDS, AT2s on 18s, Maxxis Bighorns on 17s, Remote FBH, BAS. ReMap, BSS., RLD Personalised SWP., Safari Snorkel, Faultmate, Three Musketeers & MUD
8th Dec 2009 2:34 pm
J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
philhunt wrote:
It beggars belief that Insurers jack up premiums because mods that are designed to minimalise or prevent damage to the vehicle have been fitted. Mods that increase performance are another matter.
Not really, if you are fitting vehicle protection then the chances are you are concerned about what damage you might end up with while out playing. well, so are the insurers so they ramp the price up as they believe you will enter more dangerous situations.2014 D4 XS
2005 D3 SE - Gone
8th Dec 2009 2:47 pm
philhunt
Member Since: 16 Sep 2007
Location: MI5 not 9 to 5
Posts: 1761
In which case why do Insurers not offering anything other than normal on road cover jack up premiums because you've fitted additional protection such as a sump guard or sill guards? You're only covered on road. They're not going to cough up for a claim where you've been in a more dangerous situation in their view are they.Clubs Mantec, Tasmods, LEDS, AT2s on 18s, Maxxis Bighorns on 17s, Remote FBH, BAS. ReMap, BSS., RLD Personalised SWP., Safari Snorkel, Faultmate, Three Musketeers & MUD
8th Dec 2009 3:58 pm
J@mes
Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547
Because green lanes count as "on road" (you have to be taxed, insured and MOT'd to drive on them) yet you are more likely to sustain damage caused only by yourself when using them? And by preparing your vehicle with "off road" protection, are you more likely to use lanes which are potentially damaging/ dangerous where they would still be required to pay out? In their eyes, probably...
A bit like when I fitted uprated brakes to my Mitsubishi Evo - A safety thing yes because I could stop better.
Also meant I would be more likely to drive harder. Too True!2014 D4 XS
2005 D3 SE - Gone
8th Dec 2009 4:10 pm
JamesG01
Member Since: 30 Apr 2009
Location: Worthing
Posts: 384
I just called Adrian Flux and got cover to include mods (Engine re-map, sump guard, nudge bar) and off-roading for £60 more than my policy from Bell. And with half the excess...So not too bad at all...
(Especially as I called Bell to see if they covered the re-map...They immediately cancelled my policy! )55-Reg Java Black SE, Unlocked SatNav (via Wiggs and Bodsy), Nudge Bar/Driving Lamps/RAI, Front & Rear Lamp Guards, RLD Sump Plate, RLD spare wheel protector
"Every movie-going moron knows that only a mining company could be evil enough to attack Smurfs living in a rainforest." - Doug Casey
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e and everything else, it wasn't worth it and I've stayed with LR. I'm not sure how binding the email would be anyway.
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