Chat & Social > The Bar - General Chat
WARNING if you have NFU insurance...
MrTFWitt:
I have a policy with Admiral.
The only specific exclusion is no cover for any use of the Nurbugring.
Anyone trying to lap the 'Ring in a Fourtrak is almost certainly clinically insane and banned from driving on medical grounds.
I'm curious as to how you started the discussion with NFU to find this out, did they volunteer the bit about off road not being covered or do you have previous claims history for off-road accidents ?
Smego:
--- Quote from: Eeyore on December 08, 2008, 17:49:23 ---Would it be possible to have some clarification on what was said by the NFU office?
If a vehicle is being used off-road (on other than a vehicular right of way) - then usually it isn't insured at that time (this would apply to pay and play sites etc). But once it gets back on the road, all should be fine and dandy and you're insured again.
Are the NFU really saying that if you venture off-road it invalidates your insurance permanently? Shocking if that is the case!
--- End quote ---
Clarification, I heard it from the Alton Office of NFU.
I had several LONG conversations with them and the Alton branch manager, they say that obviosly they don't cover you at an off-road site but the fact you use it at one puts strain on the vehicle with gives a higher risk of something breaking and causing damage on the way home when they are covering you!
They said it has been their policy for ages??
Smego:
In answer to the last post above me, when I declared the mods and this was my sencond vehicle,they asked me what I used the vehicle for and I said, family camping trips the local dump and general offorading (for which I have MSA insurance)
skip2:
--- Quote from: Smego on December 10, 2008, 22:24:45 ---
--- Quote from: Eeyore on December 08, 2008, 17:49:23 ---Would it be possible to have some clarification on what was said by the NFU office?
If a vehicle is being used off-road (on other than a vehicular right of way) - then usually it isn't insured at that time (this would apply to pay and play sites etc). But once it gets back on the road, all should be fine and dandy and you're insured again.
Are the NFU really saying that if you venture off-road it invalidates your insurance permanently? Shocking if that is the case!
--- End quote ---
Clarification, I heard it from the Alton Office of NFU.
I had several LONG conversations with them and the Alton branch manager, they say that obviosly they don't cover you at an off-road site but the fact you use it at one puts strain on the vehicle with gives a higher risk of something breaking and causing damage on the way home when they are covering you!
They said it has been their policy for ages??
--- End quote ---
Interesting cause i've too had quite a few long chats to NFU reps over the years and this very thing was pointed out too us, yet when I asked where is this written down they could'nt direct me to it but claim its an "industry standard."
So I asked another broker (not NFU) and he said if you use any vechicle in such a manner to cause increased risk of damage which might result in an accident later you won't be covered.
Then I tried to get so claification from an ALRC/MSA trails club if I took part in a RTV and what if ? after. Told to shut up and not mention it.
Also asked about "greenlaning" told since they were legal roads it would be OK as long as I did'nt increase the risk, ie did'nt "push" it. He also pointed out in an ordinary car on tarmac this guideline applies, you drive the car in such a manner as to increase risk of damage, ie rev hard the engine, spin the tyres, put pressure on the drive train and an accident occured because of your neglect you might not be covered. However they normally pay out 3rd party damage so you should be covered under RTA act.
lambert:
how would they prove it? aftre all if you stuffed it through a hedge wouls it not be covered in muck anyway?
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