Clean It Up

UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: EandM on April 12, 2014, 12:55:28 pm

Title: Truck Insurance Anomaly
Post by: EandM on April 12, 2014, 12:55:28 pm
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.
Title: Re: Truck Insurance Anomaly
Post by: Soupy on April 12, 2014, 12:57:49 pm
Do a-lot of off roading do you?
Title: Re: Truck Insurance Anomaly
Post by: Mike #1 on April 12, 2014, 01:21:50 pm
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
Title: Re: Truck Insurance Anomaly
Post by: EandM on April 12, 2014, 01:43:43 pm
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.
Title: Re: Truck Insurance Anomaly
Post by: Window Lickers on April 12, 2014, 02:18:00 pm
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.
Title: Re: Truck Insurance Anomaly
Post by: Soupy on April 12, 2014, 02:28:00 pm
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.
Title: Re: Truck Insurance Anomaly
Post by: PoleKing on April 12, 2014, 03:00:21 pm
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.
Title: Re: Truck Insurance Anomaly
Post by: EandM on April 12, 2014, 04:25:42 pm
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 "....