Disco3newbie
Member Since: 26 Oct 2008
Location: Scottish Borders
Posts: 605
  
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Just moved up to D3 from D1 and insured with NFU Direct following a month checking fine print of multiple quotes.
They offered FULL off road cover (not just green lanes), unlimited miles, very low excess, europe use etc at lower price than existing company and were heplful and easy to deal with. Also offer 2 years 'new for old' should then unthinkable happen even tho we are second owner.
Adrian Flux expensive and only green lane cover
Cheapest (but not best cover) were AIG Direct and Zurich Connect.
Good luck
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 6th Jan 2009 11:18 pm |
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philhunt
Member Since: 16 Sep 2007
Location: MI5 not 9 to 5
Posts: 1761
  
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But where in the policy documentation or certificate or schedule does it specifically mention and define Full Off Road cover?
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| 6th Jan 2009 11:23 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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As long as your not taking part in rallies, time trials etc your covered... that's in the policy.
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| 6th Jan 2009 11:32 pm |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50977
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Having just read through the policy wording for the NFU I cant find anything either ...nor on the 4x4 page
http://www.nfumutual.co.uk/you/4x4-insurance/index.htm
I would want it in writing TBH  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 Jan 2009 11:32 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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Where does it specifically say its not covered off road and not on the public highway ?
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| 6th Jan 2009 11:39 pm |
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philhunt
Member Since: 16 Sep 2007
Location: MI5 not 9 to 5
Posts: 1761
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Quoting from my NFU certificate:
"You are covered for social, domestic and pleasure purposes and commuting.
The vehicle may also be used for towing without reward a trailer or any one disabled mechanically-propelled vehicle.
You are not covered for commercial travelling, racing, speed testing, competitions, rallies (other than road safety rallies and treasure hunts), trials or track days, carriage of passengers for hire or reward, or for any purpose in connection with the motor trade.....".
I don't have any concern regarding greenlaning as vehicles using legitimate open byeways are legally required to have road tax, insurance cover and an MOT (if appropriate) as they would on normal roads.
My concern really is whether the policy actually covers damage to my vehicle or damage caused to another vehicle whilst, for example, on a forum event such as a driver training day.
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| 6th Jan 2009 11:50 pm |
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Disco3newbie
Member Since: 26 Oct 2008
Location: Scottish Borders
Posts: 605
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Asked them to specify in cover letter (use off road away from biways eg forest tracks, fields, mountain tracks etc) but excludes time trials, rallies etc anfd made sure I checked via phone so there is verbal and written contract.
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| 6th Jan 2009 11:51 pm |
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Slimer
Site Moderator
Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295
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simon wrote:So who do you recommend Si ?
No recommendations from me Si other than to check the paperwork agrees with the cover you think you've been sold whoever the insurer is The End
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| 6th Jan 2009 11:52 pm |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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philhunt wrote:Quoting from my NFU certificate:
"You are covered for social, domestic and pleasure purposes and commuting.
Define pleasure purposes 
As long as you not competing or doing time trails on or off road, you are covered.
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| 6th Jan 2009 11:54 pm |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50977
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Well I agree Simon ...it doesn't say. But then that's a double edged sword ....either they will shag you if you crash when off-road or it means that all insurance policies that don't mention it cover you off-road  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
Last edited by DG on 7th Jan 2009 12:46 am. Edited 1 time in total
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| 7th Jan 2009 12:06 am |
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Disco3newbie
Member Since: 26 Oct 2008
Location: Scottish Borders
Posts: 605
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Tend to agree with Simon. If you have informed company of all material facts (ie you are going to use off road) and they insure then that is the contract.
Did this with More Than (RSA) and Esure and both said they did not cover off road use.
Besides NFU all manner of off road use for farm vehicles so hopefully know what they are doing
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| 7th Jan 2009 12:08 am |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50977
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err not sure that Simon meant that you have informed them ..he is implying that this is covered regardless  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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| 7th Jan 2009 12:11 am |
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Disco3newbie
Member Since: 26 Oct 2008
Location: Scottish Borders
Posts: 605
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mmmm, Good point DG....have to admit I informed them re off road since the catch all on policies seems to be 'inform of material facts'.
Before that I had always assumed that off road was covered on Esure or More Than policies.
Better not tell the insurance company where the works car goes but lets just say the ESP traction control works well 
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| 7th Jan 2009 12:17 am |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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I checked verbally with them and they said was I am covered as long as i am not competing or using the vehicle for reward (so free rescues from em then).
I will get it writing though now just in case as you have me all paranoid again 
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| 7th Jan 2009 12:27 am |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50977
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I don't blame you Simon... better safe than sorry ...I made LRI send me a letter to cover TorqTune on the 09MY ...even though I haven't had TFC apply it yet When I claimed for my mishap I gave LRI the co-ordinates of the offending tree to confirm just how off-road it was ...and they didn't bat an eyelid 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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| 7th Jan 2009 12:32 am |
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