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Off Road Insurance - possible companies?
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SpiderBaby
D3 Decade 


Member Since: 21 Sep 2007
Location: Liverpool
Posts: 1396

England 2005 Discovery 3 TDV6 SE Auto Zermatt SilverDiscovery 3
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 Big Cry

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........  
Post #28855518th Apr 2008 4:05 pm
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Bodsy
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United Kingdom 2007 Discovery 3 TDV6 HSE Auto Java BlackDiscovery 3

I use NFU for all of the above, but I am in Shropshire.......... Wink
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Post #28855718th Apr 2008 4:07 pm
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RLD
Uncle Ray 


Member Since: 18 Jul 2005
Location: all ways some where
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United Kingdom 2005 Discovery 3 TDV6 SE Auto Zambezi SilverDiscovery 3

Land Rover ins Will
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Post #28855818th Apr 2008 4:09 pm
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SN
 


Member Since: 03 Jan 2006
Location: Romiley
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Yep - pay the extra for LR Thumbs Up
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Post #28856218th Apr 2008 4:22 pm
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DSL
Keeper of the wheelie bin 


Member Since: 11 May 2006
Location: Off again! :-)
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Ukraine 

LR Ins also didn't have any problems when one or our number had a run in with a tree on a private course. Thumbs Up Thumbs Up
   
Post #28857318th Apr 2008 4:52 pm
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CY
 


Member Since: 16 Aug 2005
Location: Warwickshire
Posts: 4502

Scotland 2008 Discovery 3 TDV6 HSE Auto Tangiers OrangeDiscovery 3
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 Shocked
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Post #28857918th Apr 2008 5:24 pm
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DSL
Keeper of the wheelie bin 


Member Since: 11 May 2006
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Ukraine 

   
Post #28858218th Apr 2008 5:34 pm
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Gareth
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Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26682

United Kingdom 

I'm with NFU, and I live in 'rural' Stockport Laughing Even my wife insures her Mini via NFU. I use a local office based in Macclesfield.
  
Post #28858318th Apr 2008 5:37 pm
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CY
 


Member Since: 16 Aug 2005
Location: Warwickshire
Posts: 4502

Scotland 2008 Discovery 3 TDV6 HSE Auto Tangiers OrangeDiscovery 3

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)
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Post #28858618th Apr 2008 5:45 pm
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Gareth
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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)
  
Post #28858718th Apr 2008 5:47 pm
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Snowy
 


Member Since: 06 Jul 2007
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England 

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?
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Post #28858918th Apr 2008 5:50 pm
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Gareth
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Member Since: 07 Dec 2004
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United Kingdom 

Yes a byway is a public road and insurance must be valid.
  
Post #28859118th Apr 2008 5:52 pm
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CY
 


Member Since: 16 Aug 2005
Location: Warwickshire
Posts: 4502

Scotland 2008 Discovery 3 TDV6 HSE Auto Tangiers OrangeDiscovery 3

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 
 
Post #28859218th Apr 2008 6:06 pm
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zaphod
 


Member Since: 18 Sep 2007
Location: Magrathea
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Scotland 2005 Discovery 3 TDV6 HSE Auto Java BlackDiscovery 3

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.
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Post #28859418th Apr 2008 6:25 pm
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Gareth
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Member Since: 07 Dec 2004
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NFU will be asked to quote, as will a few others.
  
Post #28859618th Apr 2008 6:35 pm
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