Temporary off-road insurance.
Discussion
Hello.
I'm thinking about taking my Discovery Sport on a Land Rover Experience organised day.
It's probably a bit lightweight for most here I know, but the trip is designed for factory spec smaller Landys like mine, Freelanders etc. I think it's more dirt tracks than fording rivers and the like. Designed for novices in standard cars. Nice day out in the Highlands, bring your own picnic etc.
The stipulation is that I have off-road insurance.
Can I get this for just a day or two?
Is it expensive?
Any particular feature I should need/look out for in a policy?
Any companies you'd care to recommend?
Is it the sort of thing normal policy companies can add on to my standard insurance?
Thanks.
I'm thinking about taking my Discovery Sport on a Land Rover Experience organised day.
It's probably a bit lightweight for most here I know, but the trip is designed for factory spec smaller Landys like mine, Freelanders etc. I think it's more dirt tracks than fording rivers and the like. Designed for novices in standard cars. Nice day out in the Highlands, bring your own picnic etc.
The stipulation is that I have off-road insurance.
Can I get this for just a day or two?
Is it expensive?
Any particular feature I should need/look out for in a policy?
Any companies you'd care to recommend?
Is it the sort of thing normal policy companies can add on to my standard insurance?
Thanks.
This topic was discussed here previously, it might be worth contacting the OP to find out what he eventually did.
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
I was the OP on the other thread. In the end I couldn't find anyone offering short term off road cover so I didn't go on the Land Rover outing. Insurers must have their reasons for not selling such a thing but I don't know what they are. I was also a little surprised that LR themselves don't offer it for the experience days, the person I spoke to said it gets asked for quite a lot.
Crossflow Kid said:
Don't JLR provide vehicles on their experience days any more?
Most of the time yes, but some LR Experience franchises are organising 'trek' days where you take your own vehicle. I am booked on one later in the year in Devon, so have been looking at this thread with interest. Ironically, there also seems to be some confusion whether the annual insurance policy that LR push does also include off road cover, which is crazy really - One of the top 4x4 brands offering a branded insurance policy (obviously run by some other insurance company) which doesn't cover you for the very thing that the brand is renowned for.I have not yet enquired, but apparently Adrian Flux do offer single day off road cover.
I never understand what people want to be covered for off road insurance. Outside of Scotland, green lanes are roads. So normal insurance will cover you. But your insurance will also cover you for car parks, car boot sales and other things. So what is the actual risk you are wanting to be insured for?
If it's damage to your own vehicle, then you'd need some sort of competition style cover, same as a track day. But likely expensive or impossible to find.
If it's a competition then a permit from the MSA is required and insurance will be covered by this or the organising club. Any other insurance would be public liability which would be down to the land owner or event organiser.
If it's damage to your own vehicle, then you'd need some sort of competition style cover, same as a track day. But likely expensive or impossible to find.
If it's a competition then a permit from the MSA is required and insurance will be covered by this or the organising club. Any other insurance would be public liability which would be down to the land owner or event organiser.
^^^ For once I agree. If the car is being drive genuinely "off road" in the legal sense then insurance is pretty much void anyway.
You're either on a public right of way and covered or you're on private land at which point normal rules go out the window which is why insurers won't go near the idea.
You're either on a public right of way and covered or you're on private land at which point normal rules go out the window which is why insurers won't go near the idea.
Dont disagree with either of the previous two posts, however, the LR Experience trek day T&Cs state that 'suitable insurance is required to drive on private land on a non-competitive organised event' or some such.
So yes its like track day cover, to cover any mishaps - what if I cock up and roll my car and its a write off, wouldn't mind being able claim my hard earned back from somewhere.
So yes its like track day cover, to cover any mishaps - what if I cock up and roll my car and its a write off, wouldn't mind being able claim my hard earned back from somewhere.
LaserTam said:
Dont disagree with either of the previous two posts, however, the LR Experience trek day T&Cs state that 'suitable insurance is required to drive on private land on a non-competitive organised event' or some such.
So yes its like track day cover, to cover any mishaps - what if I cock up and roll my car and its a write off, wouldn't mind being able claim my hard earned back from somewhere.
Your regular insurance should cover you just fine.So yes its like track day cover, to cover any mishaps - what if I cock up and roll my car and its a write off, wouldn't mind being able claim my hard earned back from somewhere.
For a non competitive event, it is no different to driving around the car park at say Goodwood. If you wrote your car off in there, then there might be a debate on if that is covered. But it would still be covered 3rd party and if it was stolen.
And it would be the land owner or event organisers responsibility to have public liability insurance.
Crossflow Kid said:
But what about the "what if I cock it up and roll the car" bit?
I find it a bit cheeky that JLR insist on "suitable insurance" but don't really give any hints.
I honestly don't know if you could get additional insurance for that. I'm sure LRE will get you to sign a waiver, removing them from any fault, blame or liability before you drive off.I find it a bit cheeky that JLR insist on "suitable insurance" but don't really give any hints.
Is it possible to get such cover for other recreational use?
Failing that, as it's a non competitive thing, I would think it would be the same as if you rolled a vehicle on your own property, i.e. on a farm or just a long driveway.
I'm also looking at doing the L/R "Trec Day" in East Devon, and have fallen foul of the insurance requirement. My fully comp car insurance doesn't cover this. I've called them to check and quoted the L/R event description. I got a phone quote from Flux which, in any other situation, would not be too bad, but it adds over £150 (two drivers) to the cost of the day, and I find this makes the whole thing a no starter. I, too, would think that L/R themselves would offer cover for the day.
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