Offroad-Express

not sure where this should go but wondering about insurance when im out and about and who people use that cover off road use. im currently with state but reading my documents im not covered off road so yeah. who does cover off road use? any info appreciated

thanks

theres a pretty lengthy thread about insurance in the archives somewhere, I'm insured with Lumley which covers off road use

Id be keen to find out more also because im insured with AMI and my trucks are only insured for road use only.

do a search, its been discussed previously

check out http://www.barley.co.nz as well

they are out of town till the 23rd

NZI cover anywhere, 4wding included as long as within manufacturers specs.

im with nzi, covered unless im racing offroad.

I had trouble insuring my 40 cos most insurers think its too old I eventually went with "classic cover" but not sure if they cover off road use

Definitely have a talk to barleys. I had some ginormous quotes to get my 80 series covered and barleys came back with a very reasonable quote and its covered offroad

Id be keen to find out more also because im insured with AMI and my trucks are only insured for road use only.

I am with AMI, and I have a clause in my insurance that says I am covered off road but have to pay a $1000 excess. $250 on road. Several years ago it was badly damaged by a shitty toyota rolling back into it on Worsleys Spur. This is a legal road but is definitley a grade 5 track. I only had to pay the $250 excess as it was a legal road. The NZ road code classes rivers beds (dry parts) and beaches as roads. It would be very difficult for an insurance company to say I was off road. Off road means farm tracks, non-paper roards (ie logging tracks). I have tested the clause. I am motre then happy with my insurance cover. They also know about every mod the truck has as well and insured for agreed value.
Al

im with ami, full cover as al says.. cant fault them, helps that the mrs works for them ...