Off roar Insurance

[Yellow RUBI]

I was just wondering if anyone has or know of  an insurance company offering coverage for off road use?

[FiEND]

my regular insurance covers off highway as well.

that's why a TJ is a high risk vehicle and some insurance companies won't insure them or have stupid premiums.  I tried under Canadian Direct where we have the safari and liberty and they wouldn't.  they said some special class or something for the TJ and wouldn't return my calls or stalled saying they need special approval from some head office.

also if you weren't covered you wouldn't be required to have insurance when off-road.

so it comes down to individual insurance companies and their policy.  my current one stated stuff about any off highway modifications, lifts, oversized tires etc.  they had to be notified.  I told em what I did, took a lot of pictures, showed the agent the jeep.  they submitted all the stuff and then gave me insurance.

whether i would claim anything if i rolled, i don't know.  but if I am injured I would.  if I started a fire I would have to.  if I injured someone else.. that's my main worry and why made sure they knew what I was doing and i followed the instructions for such a vehicle to a T.

[Waytec]

I am with State Farm and all they told me as long as I do not modify the engine then they can leave it as a normal insurance. If you modify the engine it has to be classified as a hotrod.

[Vinman]

My sister works in the auto insurance industry (nearly 20 years) and I asked her about off-road coverage.

She said unless your policy specifically states they do not provide coverage while off-roading, they will have to cover the vehicle as if it were on a public road.

Think about it, what is '"off-road"? Is designated trails off-road? Is parking lots off-road? Is your driveway off-road? Is a farmers field off-road? Of course they are.
Now some may argue that when you off-road your vehicle, you are subjecting it to a higher risk enviroment than typical use but what about if you were speeding in a sports car on road, lost control and totalled it. Will the insurance company deny coverage? I highly doubt it (assuming a sober driver)

She also said they will more than likely try to weasel out of it but if you're persistant, legally they have no right to deny coverage anymore than if the incident happened on a public roadway.

Vince

[Fredduck]

My sister works in the auto insurance industry (nearly 20 years) and I asked her about off-road coverage.

She said unless your policy specifically states they do not provide coverage while off-roading, they will have to cover the vehicle as if it were on a public road.

Think about it, what is '"off-road"? Is designated trails off-road? Is parking lots off-road? Is your driveway off-road? Is a farmers field off-road? Of course they are.
Now some may argue that when you off-road your vehicle, you are subjecting it to a higher risk enviroment than typical use but what about if you were speeding in a sports car on road, lost control and totalled it. Will the insurance company deny coverage? I highly doubt it (assuming a sober driver)

She also said they will more than likely try to weasel out of it but if you're persistant, legally they have no right to deny coverage anymore than if the incident happened on a public roadway.



Vince

I'd feel safer on a dirt trail than on Deerfoot at rush hour

[cLAY]

Most trails are on crown/public land and thus could be argued "public roads". Thats WHY you need insurance to go offroad.

[Yellow RUBI]

So which coverage would this fall under?

[Elsifer]

Well, PL/PD is all that is required. Same deal as with a motorbike or quad.
Since its not street legal, I don't think the Million dollar value matters.

Ask a biker or quadder. Classify it as "A bigger quad" for ohv use only.