[EandM]

Having just renewed the policy on my Ranger I chanced upon a bit of an issue:

If the vehicle is going to be used off road then insurance cover cannot be provided at all;
Not just when you're off road but would retrospectively void your insurance if previous off-roading came to light.
Apparently standard throughout all motor insurance in the UK unless you insure with a specialist.

Just thought I share that with you.

[Soupy]

Do a-lot of off roading do you?

[Mike #1]

Depending on what they class as off roading I travel along dirt tracks to reach customers houses which would be classed as off road as their ain't no Tarmac . Mike

[EandM]

Depending on what they class as off roading I travel along dirt tracks to reach customers houses which would be classed as off road as their ain't no Tarmac . Mike

Man made tracks are acceptable though the definition is unclear. The issue arose as I drive across our field to get to my water supply and there is no man made track. I argued that if I drive across the field enough times then I have made an unsurfaced 'track' - this met with some mutterings by the broker. I then pointed out that I could simply drive my car to the water a few times and that this too would be a man made track ? They weren't happy with that either as they pointed out that car insurance wouldn't be valid under those circumstances either. So I pointed that if I were to establish a track with an uninsured, sorned car, that happens to live in the field and as the field was private property, namely ours, that there could be no such objection ? Think it worked.

In answer to Soupy - yes, everyday.

[Window Lickers]

Cozy does a bit of 'off-roading'.

'Off the beaten track' is probably a little more descriptive. Im sure you get the idea. Public toilets - Berlin at night - Red light district - Marmite motorway.

[Soupy]

Rotten sods. The clause is clearly meant for people who take their vehicles off road - green laners - you know what I mean - 2" lift kits, dislocating radial arms, winches and the like. Not for people who need to drive across a park.

[PoleKing]

Rotten sods. The clause is clearly meant for people who take their vehicles off road - green laners - you know what I mean - 2" lift kits, dislocating radial arms, winches and the like. Not for people who need to drive across a park.

They'll use it to not pay out though won't they...
Insurance are a holes.

[EandM]

I see where they're going with this; they don't want you driving up the side of Ben Nevis or Snowdon then trying to claim when you've rolled it 97 times having the fallen off the side of a mountain. I can't see though how this could ever be enforced, the only way being that if you had an accident  somewhere and then said to the attending PC, " Sorry mate, my insurance is invalid because I once drove across a field in Dorset "....