Never really gave the thought of taking out extra off road insurance for your car when Green Laning until I saw someone mention it in another post.

I did not want to start another thread drift on that post but I did wonder what the'norm' on this was and whether most people take out extra insurance to cover them for any eventuality or else just use your normal road insurance policy and take care when on an event?

Green lanes are public highways strictly speaking, so unless your policy specifically says otherwise, you should be covered? Mine: 2012 Golf GTI Edition 35
Family's: 2009 Freelander 2 HSE TD4 Auto, Stornoway

Yorkshire - God's County

Big Dave wrote:

Green lanes are public highways strictly speaking, so unless your policy specifically says otherwise, you should be covered?

I have the reassurance of LandRover insurance  Former Mod/Member, with the most post & Chicken George Arch nemesis

npinks wrote:

I have the reassurance of LandRover insurance

If you are going onto private land then your normal vehicle insurance, unless you have set up specific off road cover, is not valid on private land.

Green lanes or unsurfaced rights of way are generally classed as part of the public highway so your vehicle must be fully road legal and be taxed/mot/insured to travel on them.


Regards
Ben (GONE) FL2 2008 SE (manual) Santorini Black, the expensive one
(LEFT WITH) 300tdi Defender 90 the cold, reliable & sensible one

It's not just the off road side of things, its the knowing they will use OEM parts to repair too  Former Mod/Member, with the most post & Chicken George Arch nemesis

npinks wrote:

I have the reassurance of LandRover insurance

Hi npinks check with your LR insurers, as I too was insured with LR between 2010 and last Octobers renewal date.
When I looked into the details of the small print in my last renewal documents, I noticed they were no longer offering cover for off road events, whether they were pre-planned or otherwise.
Basically they said they were no longer offering cover for any damage that occurred while the vehicle was being used on any other surface other than a normal metalled road surface.
That and the 'close to' £800 price they were asking for a years cover made me look elsewhere, for which I'm grateful, as I now pay less than £350 through IAM surety.

I could understand the price if there were any prevailing circumstances, but I have a clean licence with no claims, accidents or convictions and I live in a low'ish crime area.

A days off roading is not an event

A organised trip is though, but I have read the same and don't off road anyway so not too bothered, and last year my premium was half yours  Former Mod/Member, with the most post & Chicken George Arch nemesis

Mines insured with NFU
Last time I checked most farmers used Land Rovers on unmetalled surfaces, yes it was covered off road as long as it was not a competative event.
Will check When I eventually get back home - been working away most of this year  Tangiers Orange - gone, missing her
Replaced by Ewok what a mistake - now a happy Disco Sport owner

npinks wrote:

I have the reassurance of LandRover insurance :thumbsup:

I have actually claimed for off road damage, but it was a long time ago. Had to rescue someone on Dartmoor and bent the cills and under-engine pan on my FL1. To my surprise the insurance (Commercial Union) paid up and didn't deduct my excess. I was on the moor legally, but definitely off road. If they had quibbled I would have pointed out that I was working (supervising a school party) and they covered me for business use.
Insurers are probably a lot tighter nowadays.

I have my Defender insured with Adrian Flux and it specifically includes all the green laning you can eat!

Andy.