My RRS insurance is up for renewal and I've come across something that I havn't come across before.

As you know I've had a couple of dents over the last three years. One was my fault and 2 were settled as the fault of the third party. Here's the bit that's new - because I have had three incidents my premium will go up even though 2 of the cliams have been settled in my favour. If this is the case surely when we make a claim against an at fault driver in future we should also claim compensation from their insurance company because their error will result in my premium going up! Has anyone had the same experience? Also any recommendations for insurance companies that cover for off road aswell - currently with LR! 2005 Zambezi TDV6 - Gone but not forgotten
2009 Alaska TDV8 - Gone and much missed.



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Insurance sucks big time!

I'd seek legal advice on this as if 2 were not your fault, surely no insurance company can penalise you for someone elses accident.

Speak to Citizens advice or your solicitor about seeking compensation, or challenging the insurance company.

Good Luck!

BTW, we are with NU but I have no idea if this includes off road - probably not!  Runner up - 2009 Best Avatar Award
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On my travels looking for an insurance company for the RRS, i didn't find anyone else offering off roading insurance inclusive in the deal. So LR seems to be the best for that, especially if your still doing a lot of it VA. Bummer about the increase in premium though..

Just to clear things up - the actual premium is a little up but it was only when I did an appication excluding the non-fault crashes did I find out that my premium would be a good £250 less. Morethan are offering me £520.00 which still beats LR but doesn't include offroad - so is there a third party stand alone offroad insurance available? 2005 Zambezi TDV6 - Gone but not forgotten
2009 Alaska TDV8 - Gone and much missed.



WINNER - 2009 �Idler Of The Year� Award
Runner Up - 2009 �Just Doing What It�s Designed To Do� Award


DO NOT CLICK HERE!

i couldn't find anyone to insure me for a weekend/day just off road cover.. hence why i just took the risk for the sake of a day.. (well half day it turned out to be.in my case..)

NFU include off road cover, Adrian Flux do too, but I think there is a £30K vehicle limit with them so they won't cover you at present.

Thanks - looks like I'm stuck with LR! 2005 Zambezi TDV6 - Gone but not forgotten
2009 Alaska TDV8 - Gone and much missed.



WINNER - 2009 �Idler Of The Year� Award
Runner Up - 2009 �Just Doing What It�s Designed To Do� Award


DO NOT CLICK HERE!

Insurance companies don't all have the same underwriting rules - thus some companies hike up your premiums (or won't cover you at all) if you've had claims (either your fault or not). You'll find you can't make an insurance company cover you if you don't meet the criteria... if you want to find a deal, have you considered using a good old insurance broker? The age of the internet has somewhat killed a large majority of these dead, but there are still some about. My folks still use one and swear by them - it means their insurance company often changes every year, but they get the best deal at the time. Helps they are both 60+ of course  

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shmoogle wrote:

...Helps they are both 60+ of course

Hey VA, you're quids in then!  Runner up - 2009 Best Avatar Award
Joint runner up - 2009 Outstanding Contribution Award
WINNER - 2008 ‘Best Thread’ Award – Beautiful Women Of The World
Runner Up - 2008 Comedian Of The Year Award
Runner Up - 2008’s Funniest Incident

06 RRS TDV6 HSE, Java/Ebony, PTI, Running Boards, Privacy, S/C Grille/Vents, Stormers, Tasmods - GONE - (