Unofficial - Insurance

Ive spoken to KORC about this, and they have liability insurance.

I am more concerned for my Defender - I cant be arsed to have the hassle if it goes over and im not insured.

Places like NFU will insure for off-road damage as long as you're not involved in any competitions or suchlike, on a green lane IIRC any insurance company has to pay out due to it being a road, but on a site it's different. That's where people like NFU come in, provided you're not in a competetive event.

Check with your insurance company basically. Places who deal just with housewives and their supermarket-wagons would probably throw their hands up in horror, more specialist places should be better.

But basically you don't have to rely on someone else having the right insurance because you can get it yourself just by choosing a savvy insurer for your normal car insurance.

Im insured withe Sureterm, and they have off road cover. They said that i was covered on public land for any off road use, as long as its not competitive or times events.

They only thing that worries me is the term - Public land.

Phone them for clarity.

A very tricky area! From my time as Treasurer of the Moorlands Harness Driving Club and various positions in the N&NROC, I was led to believe something along these lines (strictly my interpretaton, by no means to be taken as Gospel)...

If you are a group of like-minded friends who are just getting together for fun, there is no problem.

If the "event" is organised, then the "organisers" can be deemed to be reponsible - certainly this applies to Officers of a club (which is why most operate a Ltd Companies), but it's far more vague when it comes to Mr. Scroggins acting as the focal point in the organisation of an "event". At the end of the day, someone can only be sued if they are shown to be negligent. About 8 or 9 years ago, with the MHDC, everything was pretty relaxed - when we had a "do" we would contact the NFU (who insured the club) and they would either charge a nominal fee (£20.00), or even just make a note for free, depending on the type of event. About the time I packed the job in, the "no win - no fee" idiots had mucked the job up and things were getting much more complicated (if we did food at an event ourselves, we couldn't get insurance *at all* for example).

So, I supose you could view it like this : if the "event" has no one in charge, then there is no one (other than an individual, who has no control, or authority I suppose, over others) who would actually be in a position by buy insurance, since they cannot control anything. Also there is no Club or whatever acting as a "body", so again no one can be responsible, or control, the actions of others. If an accident did occur, then it would be between the individuals involved, and their insurers, to squabble about who did what and when to Our Eric (That's why you should *never* have a "leader" when out laning).

The only person/company that would require insurance would be the land owner, but unless they are insane they will have that already.

Just my 2p.

Richard

On or around Fri, 18 May 2007 14:03:29 +0100, Mark Solesbury enlightened us thusly:

public land is land to which the public have access, I think. but like Ian says, phone 'em to check.

In that case keep well within the limits of the vehicle. they don't just roll over on their own you know ;)

I seriously hope that no mainstream insurance policy covers this risk. If I choose play I accept and pay for the risks myself. I don't expect to pay extra premiums to allow foir others to play safe in the knowledge that they will be able to claim for any self inflicted damage.

You self-righteous, ignorant, c*ck. You're not the brother of the whinging Trevor Jones with whom it is my misfortune to work are you?

They most decidedly do fall over on their own due to unseen hazards, trails subsiding as you are driving along them, slippery side-slopes and the like. No driver error nor exceeding the limitations of the vehicle required - it's just the way things are when you leave the comfort of man-made roads and go and play in the rough stuff.

Did you miss the smiley ?

Steve

Thats a tad on the harsh side....

I'm having a c*ut of a day - there's 4" of water through our offices, the mailserver is drowned, I last slept about 33 hours ago. I'm viewing the world from a Nigelesque point of view.

Ahh.

Perfectly understood.

How drowned is the server? Hopefully the actual disks will be ok.

Chin up....

hey! what are you doing here!

On or around Fri, 18 May 2007 18:08:57 GMT, snipped-for-privacy@btopenworld.com (Tim Jones) enlightened us thusly:

wanna bet?

You can bet that if they do, they charge the insured more for the privilege. Considering they charge me a 25% loading for carrying schoolchildren to school for hire and reward...

I've no problem with them offering that cover at an additional premium.

I'd be wary, though, that it might turn out to be worthless in practice.

It was running when it got very wet so it's probably history. The disks are drying at the moment and I'm 90% certain they will be recoverable. Meanwhile I've built a replacement server and recovered all but 3 hours of incoming mail from backup so I'm not overly concerned any more.

There's a 60kVA genset powering the "dry" end of the building and most of my systems are running again.

For my next trick I've got to configure a dozen or so replacement desktops in time for business opening on Monday. And then I have to resurrect a slightly water damaged PABX so we've got phones again.

But my boss thinks I'm a god and our insurers are paying me an obscene amount of money to sort it out so the effort is probably worthwhile.

Thank you for taking the time to reply in such a polite and civil manner. You're a real gent ;)

Both of these are driver error, the driver misjudged the hazard. I'll say again no vehicle ever falls over on its own it falls off a hazard that the driver put it on.. Accidents happen due to driver error, if you're driving along a poorly maintained track you have to be aware of the possibility of subsidence or collapse and moderate your driving to allow for it or drive somehwere else. Its not the vehicles fault if you misjudge it. Slippery sideslopes happen I sideswiped a tree when I didn't spot one earlier this year, it most definietely was my fault for not anticpating the problem and spotting it before it was too late.

If you are prepared to admit your mistakes you can laugh at yourself and learn form them. If you blame anything and everyone else then you will remain the self righteous, ignorant c*ck that you so freely call others that don't accept your piss poor excuses.

I'm still waiting for an example of a vehicle falling over for the sheer devilment of it ;)

Every declared extra risk will increase the cost.

Exactly you get a quote and accept or decline the cover. Then watch the premiums rise if you claim for a playday accident.

I'd certainly be very wary. If your insurance pay out, they're apt to look a round for someone else who was culpable, a landowner could well be a fair target.

I think any willingness that I had to host an unofficial here has just about disappeared. This AFL lot seem to be unable to accept responsibility for their own actions and errors ;(

Sadly their lack of a sense of humour just about seals it for me. Twice I've been subjected to a tirade of foul mouthed abuse for a tongue in cheek humourous comment. Above all anything I do has to offer the outside chance of some good humour a bit of a laugh, it doesn't seem to be forthcoming around here ;(

Regards

Tim

Of course accidents are going to happen, if you enjoy offroad driving and push your luck you increase the risk and its no good blaming the vehicle or the terrain iof you get it wrong. In a single vehicle accident it can only be your own error. Whether or not you choose to insure for such errors is a personal choice, but its no good blaming anything or anyone else for your own mistakes.

Thats probably why I choose not to frequent these other places ;)

Good manners cost nowt.

Nor does having a grasp on reality.