Member Since: 11 Jul 2005
Location: Marlow, Bucks
Posts: 313
Off Roading Insurance
I was just looking at some of the brilliant pictures from yesterday and had a query. Does our standard car insurance cover us for activities such as Tixover or do we need to get some additional insurance.
I came along without checking and whilst was surprised and delighted that there wasn't a mark on the car had a wobbly moment thinking about what if! If this has been covered elsewhere point in the right directions guys.
Thanks
19th Sep 2005 4:23 pm
Jim
Member Since: 09 Sep 2005
Location: Aberdeenshire
Posts: 215
Land Rover Motor Insurance states that it specifically includes 'Off Road' cover. To what degree, I am unsure, howerver, I am sure that others may be able to shed more light.Jim
19th Sep 2005 4:39 pm
simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
Also NFU's insurance does...
-s
19th Sep 2005 4:45 pm
Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
Most don't, Greenlanes are I believe roads so it should, but whether it will is another thing. Most definately not at Tixover!DS3 TDV6 HSE - Silver with Alpaca (old one) Gone
DS3 TDV6 HSE- Silver with Alpaca (new one) Gone
D4 HSE Lux - Montalcino Red Gone
Porsche Cayenne V8 Diesel S
19th Sep 2005 4:52 pm
BN
Member Since: 18 Mar 2005
Location: Here
Posts: 6463
Most Insurance is for the Queens Highway only. Tixover needs NFU insurance, but not if in competions. Even then declare what you are doing to them first. Insurance can be stickier than the mud TFC got stuck in yesterday.
19th Sep 2005 5:43 pm
jollybodger
Member Since: 11 Jul 2005
Location: Marlow, Bucks
Posts: 313
Thanks everyone, will plan accordingly!
19th Sep 2005 6:14 pm
simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
Also going to check that my NFU policy covers off road and by how much etc. Their policies are VERY competitively priced too and include GAP insurance for 1st two years...
-s
19th Sep 2005 6:52 pm
10forcash
Member Since: 09 Jun 2005
Location: Ubique
Posts: 16534
Sureterm were cheaper than NFU for me - and includes greenlanes, 'new - for - old' (Gap Insurance) plus a few other bits & bobs
19th Sep 2005 7:03 pm
BN
Member Since: 18 Mar 2005
Location: Here
Posts: 6463
10forcash wrote:
Sureterm were cheaper than NFU for me - and includes greenlanes, 'new - for - old' (Gap Insurance) plus a few other bits & bobs
Yes, I think NFU stop at GPG
19th Sep 2005 7:09 pm
scorpio
Member Since: 26 Feb 2005
Location: Birmingham
Posts: 237
I insure both of mine Via Adrian Flux as a Discovery Owners Club member I get a 10% discount from them and on my off-road one I also have full off road cover.
19th Sep 2005 7:11 pm
Coffeecup
Member Since: 15 Jul 2005
Location: Middleton, Manchester
Posts: 1084
BN wrote:
Yes, I think NFU stop at GPG
What is GPG Coffeecup March 2005 TDV6 S - Tonga Green - Manual May 2008 TDV6 SE - Stornoway Grey - Auto Dec 2010 SDV6 XS - Galway Green - Auto
19th Sep 2005 7:46 pm
BN
Member Since: 18 Mar 2005
Location: Here
Posts: 6463
Coffeecup wrote:
BN wrote:
Yes, I think NFU stop at GPG
What is GPG
Its a TFC thing
19th Sep 2005 7:51 pm
10forcash
Member Since: 09 Jun 2005
Location: Ubique
Posts: 16534
BN wrote:
Coffeecup wrote:
BN wrote:
Yes, I think NFU stop at GPG
What is GPG
Its a TFC thing
nope, lost me there ...unless you meant GPMG
19th Sep 2005 7:57 pm
jzk
Member Since: 15 Mar 2005
Location: Chicago
Posts: 99
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26775
Sureterm is good, but is restricted to green lane off-road. I think this is a bit of a grey area, as any motor insurance should cover you on green lanes, i.e unsurfaced public highway.
If its public highway, you have to be covered. That includes all byways, UCR's and RUPPS (green lanes). I am not aware of any motor insurance that specifically excludes unsurfaced public highways, so Sureterm and others that claim off-road use, and then specifically exclude any off road use on private land are playing on words.
I have not looked at NFU yet, but will when I renew next month. My old Land Rover is insured with Sureterm on a classic policy, which is ridiculouly cheap.
I think fully comp insurance for a day like yesterday would be costly.
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March 2005 TDV6 S - Tonga Green - Manual 
May 2008 TDV6 SE - Stornoway Grey - Auto 
...unless you meant GPMG 
