As an off-road vehicle enthusiast, you know that these vehicles are not cheap to buy or maintain. You also want to make sure that they are insured at all times so if the unthinkable happens you will be covered. There are many considerations to take into account when buying insurance for your off-road vehicle car. We’ve compiled 12 top tips for purchasing insurance for your Off-Road Vehicle Car!
1. Shop Around
Insurance for your off-road vehicle car should be a simple process, but sometimes it can be difficult to find an insurer that offers the right policy at the right price. In order to ensure you are getting the best deal, shop around and compare quotes from a number of different insurers. Google is a great place to start as many insurance companies have a presence on the internet and can be easily compared via an online search.
2. Best Price is not always the Cheapest
Keep in mind that although price may be your primary consideration, best price is not always cheapest! Many insurers will provide different quotes based upon where you live (so make sure to indicate this when getting a quote), your age, driving history, etc. Be sure to read the small print of each policy carefully as each insurer will differ somewhat on how they define “off-road”, what type of off-road vehicle you drive and if it is insured for social domestic or pleasure purposes. You may find that multiple insurance policies are more cost effective than one single policy.
3. Insurance for your Vehicle – Not Your Car!
It may sound obvious, but it is important to note that insurance for your off-road vehicle car is not the same as insurance for your car (if you own another car). When shopping around, be sure to check each quote and ask whether or not they will include all of your vehicles on the one policy. Some insurers will only offer you a multi-policy discount if all of your vehicles are insured with them, so this is worth considering.
4. Insurance for Amateur or Professional Use
If you are an amateur or professional driver then it is important to ensure that your insurance includes this. If the policy only covers you for your pleasure use, then if you are involved in an accident whilst using your off-road vehicle car for work purposes, you will not be covered. Many insurers offer different types of policies so it is worth shopping around and carefully considering which policy best suits your needs.
5. Get Insured before Driving Off-Road
If you have just purchased an off-road vehicle car and are planning to use it for social pleasure purposes, you will need to insure your vehicle before taking it on any public roads. As soon as you drive your off-road vehicle car on a public road, even if it is only to go to the shops or back home, insurers may consider this as using the vehicle for business purposes and some will not cover you at all.
6. Check the Excess
Insurers will usually define an excess, which means how much you will need to contribute towards an accident or claim. The higher your excess and therefore contribution, the cheaper your insurance premium is likely to be; however it is important not to select a lower limit than you can afford to pay if you need to make a claim.
7. Get the Right Cover
When comparing insurance policies, it is important to check what you are and aren’t covered for. It may be that your insurer offers lower premiums but does not include all of the necessary components of insurance for your off-road vehicle car. For example, as well as checking if you are covered for accidents on public roads, it is important to check that you are insured for damage to your own vehicle and any third party damages that may occur.
8. Get it in Writing
Once you have found the right insurance policy, make sure you get it in writing (or electronic form) so you can refer back if anything is not clear. Be sure to read the small print of each policy carefully, as different insurers may have differing rules for particular situations. For example, if you are involved in an accident whilst using your off-road vehicle car for business purposes, your insurer may not cover you at all or they may only cover third party damage and not your own vehicle.
9. Insurance Renewal
When getting your policy renewed, ensure that you shop around for the best rates and most suitable policy renewal. Ensure that you keep all of your details up-to-date; the insurer may still offer to renew your policy at a higher price if they cannot access the information they require to make an accurate decision on premium rates.
10. Get Some Protection for Your Vehicle
Rather than just looking at the price of premiums, it is also worth considering vehicle protection products. These can often be more cost effective than insurance policies and come with different levels of cover so you can ensure your vehicle is fully protected.
11. Personal Accident Insurance
Personal accident insurance is usually an additional benefit on your insurance policy. This is usually a lump sum payment that will cover you in case of fatality as a result of an accident whilst using your off-road vehicle car for business or pleasure purposes – so, if you do have to claim, at least it won’t be for a huge amount!
12. Your Driving Record
As with any insurance policy, it is important to have a clean driving record. This will be considered when you are making your initial application for insurance and also when your insurer renews your policy. You may find that if you have any claims or convictions in the past, this will increase the cost of your premiums. However, keep in mind that having a clean driving record will also reduce the cost of your premiums when you renew next year!
How can I check if my car is insured?
Check your car insurance certificate. This should be kept in the door pocket of the driver’s side of your car and updated regularly. If you have not updated this recently or do not have one, speak to your insurer as soon as possible to ensure that you are covered for any off-road vehicle car use.
What should I do if I am involved in an accident?
The steps you take following an accident will vary depending on the circumstances and how severe the damage is. If you are able to, try and pull your off-road vehicle car over somewhere safe first, then call the police. If you are not sure whether or not anyone has been injured, then dial 999 for an ambulance. Note that it is important to stay at the scene of an accident until authorities arrive unless you can safely move onto a nearby safe location where you will not be putting anyone else at risk. Do not attempt to move your car if it is blocking the road, as this may put other motorists in danger.
I am a careful driver; will that affect my premiums?
If you are a careful driver who rarely drives and/or only drives when absolutely necessary, and you have clean driving records, then this is good news for you. This reduces the risk associated with insuring you, so your insurance costs should be lower than someone who regularly uses their off-road vehicle car for example. If you can get a police check to prove that this is the case, then it could help reduce your premiums further still!
What if I have had my license for a long time? Would my premiums be higher?
It is always best not to assume that your insurance will automatically be cheaper once you have held your license for X number of years. This really depends on how good of a driver you are and your personal driving habits. The cost of your premiums is usually based on the risk involved with insuring you (i.e. the chance of you getting in an accident). If this risk is higher, then you will pay more for your insurance; if it is lower, then you will pay less.
What kind of driver would be classified as young?
Depending on your insurer, you may be considered a young driver until the age of 25. Young drivers tend to pay higher premiums due to their lack of experience and increased risk factors when driving a car. If you are under 25, then it is worth considering taking out a specialist policy which charges lower rates for young drivers, such as the ones offered by insurethebox.com
What happens if I nab someone else’s parking space?
If you park your off-road vehicle car illegally and damage the property of anyone else – such as a signpost – then it is likely that you will be liable for any damage caused. However, if you feel that the situation was beyond your control and could not have been avoided, such as in a storm when it seems like there are no parking spaces available at all, then you may be able to make a claim against your insurance policy.
What happens if someone else drives my car?
If you lend your car to anyone, it is important that you ensure they are insured to drive the vehicle too. If the other driver has their own insurance policy for their own off-road vehicle car, then there should be no problem; however if they do not, then you will be liable for any damage they cause to themselves or another person’s property.
In Other Words
If you’ve read this far, congrats! You know what to do. Leave a comment below and share your thoughts on the 12 top tips for buying insurance for your off-road vehicle. We can’t wait to hear from you!