Very Annoyed
Member Since: 19 Nov 2005
Location: Up there, past the strange people and the sheep.
Posts: 3698
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Advise please. I am going to have to make a claim for fried electronics on my car. O Loving the power of the TDV8!
Last edited by Very Annoyed on 15th Aug 2007 9:02 pm. Edited 1 time in total
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 6th Aug 2007 2:03 pm |
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CFB
Member Since: 02 Dec 2005
Location: Bradford, West Yorkshire
Posts: 6100
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I guess you were recovered from the BOAT? Otherwise can you not say the fault occured elsehere? Forgive me if I am stating the obvious! 2020 BMW X1 18d XDrive X-Line Auto
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| 6th Aug 2007 2:07 pm |
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CFB
Member Since: 02 Dec 2005
Location: Bradford, West Yorkshire
Posts: 6100
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So to avoid hassle can you not just say that it occured elsewhere? 2020 BMW X1 18d XDrive X-Line Auto
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| 6th Aug 2007 2:16 pm |
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Craig S-L
Member Since: 16 Jul 2007
Location: Tring, Hertfordshire
Posts: 754
 
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If it is a public right or way (and if you haven't done, probably worth an email to the relevant County Council's ROW officer to get it in writing) Then the law of the land says it is a public highway, and your insurance should cover you for the public highway.
Then the job's a good 'un.
Someone on the DOC forum did quote some case law on this but I can't find it at the moment. Craig
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| 6th Aug 2007 2:16 pm |
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Bodsy
Site Sponsor
Member Since: 06 Nov 2006
Location: In the Clubhouse
Posts: 21361
 
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Isn't Fisherman the insurance claims guy? (although normally trying not to have to pay out...  ) Bodsys Brake Bible
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| 6th Aug 2007 2:16 pm |
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Craig S-L
Member Since: 16 Jul 2007
Location: Tring, Hertfordshire
Posts: 754
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Quoted from Shooting Times 19/04/07 (I C&P'd it from DOC Forum)
"4x4s Insured Off-road
Are you insured off road perpetuates a rural myth about motor insurance. for third party risks, the policy holder is insured at all times and places in theEU (see Art 3, Council Directive 72/166/EEC, which covers the use of a motor vehicle in the EU). There is no mention of a road in this directive; it was very broadly drawn to cover thedifferences between different jurisdictions, so that an innocent victim of an accident concerning any motor vehicle anywhere in the Eu would get compensation. All passengers in the vehicle have been covered since 1990 (Art 1,90/232/EEC). As to comprehensive cover to damage to the vehicle itself that will depend on the specific words of the policy, but unless comprehensive cover off-road is excluded then the policy holder will be covered. This myth is one reason why drivers of 4x4s are loath to get their tyres dirty.
For any one wanting a more indepth sight into this look at the case of Bernadez (a decision of ECJ, case number C-129/94). This gives a detailed discussion of the law. "
HTH Craig
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| 6th Aug 2007 2:19 pm |
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Very Annoyed
Member Since: 19 Nov 2005
Location: Up there, past the strange people and the sheep.
Posts: 3698
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They're going to love me as this policy is less than 10 days old! Loving the power of the TDV8!
Last edited by Very Annoyed on 6th Aug 2007 6:19 pm. Edited 1 time in total
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| 6th Aug 2007 2:24 pm |
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Non Stick Nick
Member Since: 02 Oct 2005
Location: Reading, Berkshire
Posts: 772
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VA
You should be fine with the claim on the "BOAT".
I sustained over £1500 worth of damage on my RR some years back & Norwich Union were fine when I explained that I was not "off road" but rather on an "unsurfaced road"
It's all in the language that you use. You need to be factual but without giving away the unnecessary.
By the way if your granny need to be taught to suck eggs........
But serioulsy, there should be no reason for problems.
BTW how deep was the water?.
Regards
Non Stick Nick I am a hob nobber.
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| 6th Aug 2007 2:30 pm |
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joness7
Member Since: 09 Feb 2006
Location: West London
Posts: 233
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Very Annoyed wrote:I'm with NFU and I phoned and checked anonymously whether offroad use is included in their cover and was told yes. They're going to love me as this policy is less than 10 days old!
The problem you're going to have then is proving that it happened after cover was purchased.
Look for any dated/timed parking tickets etc that show you were out and about in your vehicle the days before it packed up.
Good luck!!
steve J 2018 1.5Ti Skoda Octavia - dull as f&ck
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| 6th Aug 2007 2:34 pm |
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Bodsy
Site Sponsor
Member Since: 06 Nov 2006
Location: In the Clubhouse
Posts: 21361
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NFU you should have no problem, but you're going to be putting my premium up next year.... 
They cover off road as standard, unless it's competitive time trials. Not that you were technically off-road, just off tarmac.
Dear NFU, I'd like to make a claim as I drove through a puddle........ (OK, so it was a big  off puddle, but a puddle nonetheless..... ) Bodsys Brake Bible
D4/D3 Remote FBH heat kits
BAS Remaps/ EGR Blank
Transmission Flush
Software updates/enabling
Clock/ SNOTM /3Flash / 4x4Info /BT Update /Service Reset/Error Codes / Gearbox Reset
See It Here
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| 6th Aug 2007 2:35 pm |
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Very Annoyed
Member Since: 19 Nov 2005
Location: Up there, past the strange people and the sheep.
Posts: 3698
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The car is completely drivable - all that isn't working is the sat nav, DVD, CD, Radio, Telephone - basically all the fun bits. The puddle was deep enough to fry the electrics!  B Loving the power of the TDV8!
Last edited by Very Annoyed on 6th Aug 2007 6:20 pm. Edited 1 time in total
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| 6th Aug 2007 3:00 pm |
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fisherman
Member Since: 16 Jan 2007
Location: Hornchurch Essex
Posts: 1789
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Hey VA, jobs a goodun mate.
You should be covered for this excursion as a BOAT is a public right of way and not considered off road.
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| 6th Aug 2007 3:45 pm |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
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VA stop talkin' about the boring insurance bits ...tell us what happened...do you have any footage?  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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| 6th Aug 2007 4:05 pm |
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Wex
Member Since: 16 Apr 2007
Location: Knackeragua
Posts: 5173
 
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Emmmm.... what,s a BOAT 
Am I about to be embarrassed egain ... I am aren't I ?
Ok ...I've got my coat
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| 6th Aug 2007 4:17 pm |
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