WARNING - Footman James don't cover you if you have ANY off-road use

[LiftedDisco]

WARNING

Footman James are refusing to offer quotes if you confess to any form of off-road use...

Bizarre... see other post for more information... http://www.mud-club.com/forum/index.php/topic,66701.0.html

[zebidee]

Was speaking to my dad (former traffic cop ) about this kind of stuff recently.

We tow our horsebox to shows and regularly end up parking in fields and the like ...

I had been worried that our insurance wouldn't have covered this cause it's "off-road" so I changed our insurance to NFU - who ended up being cheaper as well anyway  :D :D :D

Anyway my old man was saying that when fields are used for public events they become part of the road network and are therefore the normal rules of the road and insurance apply.

He used to stop & breathalyse people with cautions while in the show car parks who were drink driving after being in the beer tent all afternoon - they thought they were "safe" cause the local copper was at the show and wouldn't be able to get them on the road home.

I would presume that there are company's that'll try to get out of anything - so one to remember.

Z~

[gtomo2]

Yea but lets not forget "off-road" is private land eg pay and play site. Were as green laniing is driving on a public road. plus how meny people will the nfu loose when farmers find out that there tractor of 4x4 is not covered for them to do there work in across the fields or remote moors trying to round there sheep up.

[mmgemini]

I would doubt any insurance company will insure you "off road".
If you trial you cover the cost of damage to your vehicle yourself.
If you go to a pay and play site the same applies.
You should check before visiting any pay and play site to see if they have public liability insurance. No insurance then go elsewhere.
If you trial then the club holding the trial will have that insurance through the MSA. Not an MSA club ? Then check very carefully.

[fezzy192]

I would doubt any insurance company will insure you "off road".
If you trial you cover the cost of damage to your vehicle yourself.
If you go to a pay and play site the same applies.
You should check before visiting any pay and play site to see if they have public liability insurance. No insurance then go elsewhere.
If you trial then the club holding the trial will have that insurance through the MSA. Not an MSA club ? Then check very carefully.

 i,m with adrian flux and they cover me for off-roading and grenlaning thats why i went with them lol

[adafish]

I am with Firebond, who are now FOOTMAN JAMES, but when i gave them the latest spec on Betty....winch, suspension lift, roof-tent, roof-rack and whatever i had done, they should surely know its not going to be used for shopping and thats its a "off-road" vehicle...will check my policy in the morning...just incase..thanks for heads up

[crazymac]

Its not so much that they will not cover you off road, very few insurance companies do provide that cover.

The gist of this is a claim that they will not cover you ON the ROAD if you use your vehicle OFF ROAD!!

[Range Rover Blues]

Disgusting behaviour once again from insewerance companies, but what do you expect :?

When my sister insured her latest car she changed companies because AF were so lousy at handling the claim, now she pays a £30 extra premium to cover greenlaning, which I think is a cheek as they are public roads.  However if she has paid then there can't be any wriggling out of a claim, can there?

[LiftedDisco]

Crazymac... you are completely correct - I wasn't trying to get cover for playdays etc, the fact that this is at own risk is a given, but the statement was that they would not even offer a quote if the car was to be used off-road.

Ada110 - I don't think that there would be any specific exclusions on existing policy wordings... be interested to know, but they might wriggle and say that off road use is a 'material fact' that should have been declared.  Their argument would then be that had they been presented with all facts at inception, they would have re-rated the risk, or declined to quote.  Either way, there is a risk that they might void the policy for non-disclosure.

Waaaaay back, I used to work for a Lloyds broker, trailing risks around the market...  :oops:

[crazymac]

Crazymac... you are completely correct - I wasn't trying to get cover for playdays etc, the fact that this is at own risk is a given, but the statement was that they would not even offer a quote if the car was to be used off-road.

Yeh, i'm aware of thats how it was, thing that cracks me up is they ask you to declare mods (yeh I have a winch, winch bumper, snorkel, 2 inch lift and mud terrain tyres) then they are surprised that you want to take t off road!! I guess there is too many street warriors out there?? (all the toys and spray on mud!!)