Byway Insurance

Check the small print, but it's a public road/right of way and thus has the same status as any other road, so i can't see the problem. Would be unusual for an insurance policy to specifically exclude byways.

Alex

in the exlude bit, it says thay they will not cover 4x4 events. Thats all that is mentioned.

If the road is legal, then it is a road and you are covered, the abscence if tarmac makes no difference. Expect a fight though (unless with the NFU).

Richard

In message , beamendsltd writes

Should be no fight as there has already been a test case concerning this. Any part of the public highway, including legal extensions to the public highway such as supermarket car parks, event car parks or anywhere else public vehicles are freely allowed access, obviously excluding areas where drivers have to pay for entry, are automatically covered by standard insurance. It is illegal for the insurance company to withdraw insurance under these conditions.

"excluding areas where drivers have to pay for entry" sounds like an oversimplification. Onviously, places like toll roads are part of the public highway. Aren't they?

What happens if you pay someone to guide you on the byways?!

Matt

That's no different from paying someone to guide you on a tarmac road. Legally a BOAT is part of the public highway and as such is covered by ALL motor insurance in the UK.

In message , David G. Bell writes

could be an oversimplification except that toll roads are public highway which you pay to use whereas my comment related to areas being used as extensions to the public highway by granting the public free access or not as the case may be.

They'd probably try and claim it was a competetive event to wriggle out of it!

Richard

I was just being objectionable! :-)

Sorry Matthew, I thought you were just being yourself

I which case, being the honest citizen that I am, I'd probably call the police and turn myself in for breaking the law and racing on the public highway. Can't really see that the insurance company could then argue when I'm *not* arrested and charged.

Phil

A treasure hunt can be classed as a competetive event, if the insurers choose to do so. I can't remember who the insurer was, but Mark had a porblem with a claim against him in his Jensen some years back during such an event. I don't know what the outcome was, but he was breaking no traffic laws, i.e not charged with anything.

Richard

I stand corrected.