I hadn't really thought about this until simonharper mentioned it in another post.

I'm not planning a lot of 'off road' except country lanes/tracks and when I tow my sailing boat across fields or muddy field type car parks.

I assume my normal insurance covers this but will need to check.

Has anyone had any issues about off road cover?

Cheers, Dave

If you are driving on a BOAT, that is Byway Open to All Traffic, generically known as a Green lane then normal car insurance should cover any car because it is a legal highway. If your driving at an off road leisure or experience site, quarry, muddy fields, etc then normal insurance most probably does not. You need to check with your insurance company. I do not know about access for launching on a beach I suppose that it would depend on the local By-laws. even so it is a specific activity that your insurer may need to know about because of the risk factors

I presume that when you mean "tracks" you are using them with legal permissions or they are one of the tracks BOAT that I was referring! Bridle Ways and Footpaths are are not legal for motor vehicles to travel on without permission of the land owner or a third party has legal rights of access. For instance part of the access to my property is along a Bridal Way, therefore I have a legal right to travel along it, while the public in genera does not.

There have been reports of some of the more unscrupulous nsurance Companies stating that they will only cover you when driving on "metalled" roads only, however I doubt whether this would stand up in Court, but as Anthony says any VEHICULAR Right of Way will be covered by your normal car cover.

Looking at it the other way you need to be insured when driving on any area that has public access. So giving someone a try out in a public car park is a no no unless they are insured.

tom

thx for the mention

I use NFU for my Land Rover's as they cover off road (off the public highway) use.

Apparently the National Farmers Union are used to insuring us country folk and our off piste jaunts

Definitely worth checking, especially if you want to get adventurous with your Yeti, they are supposed to be built pretty strong and are very capable in the rough stuff (ground clearance permitting).

Oh for a low range gear box option and air suspension... would make it very very capable off road

Something I will be investigating on my re-newal, will be compulsary access that went up from £100 to £300, when changing from my Octy 2 1.9 TD. :'(