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BN
 


Member Since: 18 Mar 2005
Location: Here
Posts: 6463

England 

But for what sort of high risk is the question. Dodgy characters down there. Thats a decent quote young man, thats your present by the way Very Happy
  
Post #43328th Jun 2005 3:57 pm
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Slimer
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Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295

United Kingdom 

High risk of some plonker in a BMW ignoring the fact that there's 2.5 tons of Land Rover to the right of him doing 70mph on the A3 whilst he's talking on the phone and decides he's sat 2ft from the back bumper of the bloke in the middle lane for long enough and it's time to drift over into the outside lane. Happened about 20 minutes ago
He won't do it again (what am I saying, of course he will!), he may need clean underware! Most impressive was the bloke travelling at a safe distance in the Range Rover behind me who saw what happened and managed to time it perfectly so when BMW man went for his second 'drift' he suddenly found another large lump of Solihul metal in the way Very Happy

I'm sure there are some sensible BMW drivers out there unfortunately none of them live around here.

Don't get me started on the Merc drivers... Wink
 The End  
Post #43418th Jun 2005 8:41 pm
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Raymond
 


Member Since: 27 Mar 2005
Location: Edinburgh
Posts: 46


Be carefull. Make sure you ask if you are covered for going off-road. I tried Direct line and esure and neither would give any cover as soon as I left the road, not even green lanes. In the end I went with Land Rovers own.
  
Post #43589th Jun 2005 7:14 am
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Pelyma
  


Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496

England 

Green lanes are public highways, they are no different to tarmaced roads.
 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 
 
Post #43609th Jun 2005 7:16 am
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Raymond
 


Member Since: 27 Mar 2005
Location: Edinburgh
Posts: 46


Perhaps only in the eyes of insurance companies Smile .All i am saying is if you want to use your D3 anywhere off road don't assume you are covered, phone and ask the question!
  
Post #43619th Jun 2005 7:39 am
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Nickhearne
 


Member Since: 28 May 2005
Location: Beaconsfield Bucks
Posts: 992

United Kingdom 2012 Discovery 4 3.0 SDV6 HSE Auto Santorini BlackDiscovery 4

Raymond wrote:
Be carefull. Make sure you ask if you are covered for going off-road. I tried Direct line and esure and neither would give any cover as soon as I left the road, not even green lanes. In the end I went with Land Rovers own.


So as soon as I dive of the road on to my drive I'm not covered?
 Range Rover Sport Estate 2.0 P400e Hse Dynamic Black
D4 HSE Santorini Black
Almond Arabica hide & Walnut trim Now sold
Discovery 3 TDV6 SE
Zambezi Silver Ebony leather Now sold 
 
Post #43629th Jun 2005 7:58 am
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BN
 


Member Since: 18 Mar 2005
Location: Here
Posts: 6463

England 

Slimer wrote:
High risk of some plonker in a BMW ignoring the fact that there's 2.5 tons of Land Rover to the right of him doing 70mph on the A3 whilst he's talking on the phone and decides he's sat 2ft from the back bumper of the bloke in the middle lane for long enough and it's time to drift over into the outside lane. Happened about 20 minutes ago
He won't do it again (what am I saying, of course he will!), he may need clean underware! Most impressive was the bloke travelling at a safe distance in the Range Rover behind me who saw what happened and managed to time it perfectly so when BMW man went for his second 'drift' he suddenly found another large lump of Solihul metal in the way Very Happy

I'm sure there are some sensible BMW drivers out there unfortunately none of them live around here.

Don't get me started on the Merc drivers... Wink


Si, don't get me started on the Beemer boys. They are a cult of their own Evil or Very Mad Good job the car drives for most of them otherwise they wouldn't get anywhere other than hospital. Careful, because we are going to get slated by the Beemer owners on the site now. I don't care, I can take it, I'm a Jimny owner. Shocked
  
Post #43639th Jun 2005 8:05 am
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BN
 


Member Since: 18 Mar 2005
Location: Here
Posts: 6463

England 

Insurance in the UK is a grey area with 4x4's. That is why I am with NFU. They at least know the vehicles is going to tow, go offroad, work hard, be roughly treated and still go on a motorway. The BMW and Merc ML rarely go off road and the D3 could easily be underwritten in that format with some companies.

Idea As suggested above, check you policy very carefully indeed.
  
Post #43649th Jun 2005 8:09 am
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Nickhearne
 


Member Since: 28 May 2005
Location: Beaconsfield Bucks
Posts: 992

United Kingdom 2012 Discovery 4 3.0 SDV6 HSE Auto Santorini BlackDiscovery 4

Up date phoned Direct line told them if they could not sort it out then I would go els where! Called me back in half an hour yes all sorted!
Smile
 Range Rover Sport Estate 2.0 P400e Hse Dynamic Black
D4 HSE Santorini Black
Almond Arabica hide & Walnut trim Now sold
Discovery 3 TDV6 SE
Zambezi Silver Ebony leather Now sold 
 
Post #43729th Jun 2005 11:07 am
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NightFox
 


Member Since: 02 Apr 2005
Location: Bedfordshire
Posts: 125

United Kingdom 

I'm with Direct Line and they never asked me for any of this
  
Post #43749th Jun 2005 11:31 am
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Slimer
Site Moderator 


Member Since: 06 Jan 2005
Location: Last Exit to Nowhere
Posts: 16295

United Kingdom 

Response from Frizzell when I asked if I was covered for off road use was "as long as you're careful" Very Happy
 The End  
Post #43759th Jun 2005 12:22 pm
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BN
 


Member Since: 18 Mar 2005
Location: Here
Posts: 6463

England 

Go to NFU, they say get on with it. Will pay for damage apparently if it is in the lawful persuit of business, like getting the sheep in off the hills etc Very Happy .
  
Post #43799th Jun 2005 3:34 pm
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Raymond
 


Member Since: 27 Mar 2005
Location: Edinburgh
Posts: 46


Just phoned Direct line and they confirmed that they definatly DO NOT cover cars for driving off road ( defined as leaving tarmac by the girl I spoke to). . When I first asked if you would be covered "off road" the girl thought I ment parking in my driveway!! Nightfox and Nickhearne,( and anyone else) I urge you to double check and get it in writing before taking up to £42,000 worth of car off road. I know this appears pedantic and I do not wish to lecture anybody, but I speak from experience when I say don't just take the word of somone in the call center!!
  
Post #43839th Jun 2005 3:43 pm
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BN
 


Member Since: 18 Mar 2005
Location: Here
Posts: 6463

England 

Raymond, you are so correct. The youngsters in the call centres probably don't even know what a D3 is, let alone what it can do. The Underwriters didn't know either when the D3 came out initially. They thought it was a 110 or similar. My insurance was arranged through the underwriter direct after he spoke to LR and ascertained that it was a LR that would off road and probably be damaged in doing so. I am insured for business, with cover for 3 trailers on or off road and EU cover thrown in.

Trailers covered even behind other vehicles by the way.

It is so easy for a call centre to say yes if you do not ask the right questions. It is only when a claim is made the tears start.
  
Post #43859th Jun 2005 3:51 pm
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MLGOMEZ
 


Member Since: 14 Jun 2005
Location: West Sussex
Posts: 23

United Kingdom 2005 Discovery 3 TDV6 Base 7 Seat Manual Zambezi SilverDiscovery 3
NFU Mutual & Direct Line

Hi

My father tried Insurance for his X5 Diesel with Direct line and then NFU and guess what? Exactly the same to the penny!
NFU Agent then admitted they go through Direct line for car insurance.

Regards
Miguel
  
Post #533524th Jun 2005 10:54 am
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