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Off Road insurance??

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wullie_r:
Hey sorry for this really stupid question, but Ive seen a few folk ask about insurance policies that cover non comp off roading.

What does this actually cover? and do you need it?

Also seen a few folk use the NFU, do you need to live on a farm to get this? (sure i was refused on this basis before)

dxmedia:
Many insurance companies don't insure for greenlaning, it's concidered to be a byway and not the highway. So make sure your insurance policy does.

Adrian Flux do,
Frank Pickles do,
NFU do.

Most of the bigger companies don't. It will be specified in your insurance docs that you can. If it's not, assume your not covered rather than assuming you are.


NUF, no you don't need to be a farmer. They will take trade from anyone. They will want to see an engineers report for any modifications though.

crazymac:
Don't confuse Greenlaning with Offroading!

Greenlaning is driving on byways etc that you need to conform to the road traffic act therefore any insurance company that tells you that they don't cover it are talking crap! My insurers tried it, I said "crap" They said oh OK!! and put it in writing for me.


Offroading is just that, you are driving on private land with the land owners permission, be it a pay and play site or a mates farm. It is very rare to get insurance for that.

wullie_r:
Thanks for the replys guys.

Mark Y:
I have it in writing from Adrian Flux on my insurance that they cover me for greenlanes and off roading on private land with land owners permission (pay and play), providing it is not a competition etc.

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