Thread: Gazetted roads v roads on maps....

Insurance say if it is Gazetted and on a map they are happy with that they tell me
Not the answer your after but id use that one as we all know if insurance can wiggle out of a claim they will

My experience is insurance companies have varying definitions on roads, gazettes or not. Most recently I’ve been with Shannons and I have been told I’m covered so lond as I’m a pre-existing track regardless of whether it is gazettes or not. The exception is if I’m participating in racing or timed event. I spicificly asked about private and public property and was told it was not a problem except if I was creating a new track. The policy documents seem to allow for these conditions but I’m not an expert.
I guess the only way to be sure was to put a claim in, but from previous claims (about 10yrs) it can come down to what you can prove. Photos and videos can tell a thousand words so it can be an advantage to have a good in car camera.
My ex was in a small bingle where the other owner claimed, after saying it was their fault, that it was my ex’s fault as she had driven in their 4wd. They also stated it was on a narrow road and one that they were unfamiliar with. It was actually a realisability main road which my ex had used for many years going to work. By providing a written statement with photos I was able to have their decision to charge us an excess changed to one where no excess was paid and that the policy was not effected by having made a claim ie we received our no claim bonus. It comes down what you can prove.
No private property or keep out sign shown on set of ‘trip’ photos could prove beneficial. It is also important to record who you’ve spoken to and when. This includes when you get your quotes because if they misrepresented their policy at the time it was purchased you may have a case if a claim ever needs to be made.
Another thing is to know what you’re insurance company used to calculate the insured value. Not all vehicles are insured for the ‘red book’ value. I changed to Shannon’s because RACQ would only cover my Patrol for $7K+ accessorises where as Shannon’s covered it for $12K+ accessorises. They also allow me to insure my 2 vehicles for use a couple of days a week each. This cut my policy prices well below other companies.

Many years ago I followed a road that suddenly became a track through property gates eventually crossing a river then exiting to a maintained road because the road was marked on an NRMA map of the area and it was a short-cut to where I was going. I expected that section of the road would not be maintained by council as it was dotted. I was met on the other side of the river by a farmer on a bike who came looking for me, having been advised that I was on the track. He was only checking that I didn't get stuck in the river as several other vehicles had previously needed to be rescued. The river crossing was named on the map so I was confident that the track was public, dismissing the "Private Property" signs off to the side soon after the start of the track as referring to the land to the side of the track's easement rather than the track itself.

Hi

Just as a comment to "... and the fool olde bio-security sign which seems to popping up more and more."

For many farmers bio-security is absolutely essential. Please don't dismiss it.

Cars entering properties do bring in weeds, and if they have been through other properties they can also bring in animal diseases such as Johne's disease. Many farms are accredited for exporting their produce to countries where there are strict conditions at the point of origin which they have to abide by to maintain that accreditation. There are diseases specific to horses, sheep, cattle etc. As a 4x4 person you might not be aware of a quarantine issue and could inadvertently spread something.

On the other side it would be good if farmers provided easy and quick contact information so that persons wishing to cross their land could easily contact them. But in many areas there is no mobile reception.

Mike

Originally Posted by speleomike

Hi

Just as a comment to "... and the fool olde bio-security sign which seems to popping up more and more."

For many farmers bio-security is absolutely essential. Please don't dismiss it.

Cars entering properties do bring in weeds, and if they have been through other properties they can also bring in animal diseases such as Johne's disease. Many farms are accredited for exporting their produce to countries where there are strict conditions at the point of origin which they have to abide by to maintain that accreditation. There are diseases specific to horses, sheep, cattle etc. As a 4x4 person you might not be aware of a quarantine issue and could inadvertently spread something.

On the other side it would be good if farmers provided easy and quick contact information so that persons wishing to cross their land could easily contact them. But in many areas there is no mobile reception.

Mike

Yep understand, have Farmer friends that are required to have bio-security signage.....one of his properties has a gazetted road which stop part way through....I’ll ask him how Bio-security works for him.

I've personally had experience with walking through crown land a few years ago. I had commercially published maps stating I was on crown land but the place was covered with hand made private property signs (no bio-security signage) About half an hour into crossing the property on foot the farmer comes over in his 4wd ranting and raving about us trespassing and get off his land or he'll call the police, which I encouraged him to do. The local police came out of town, spoke to the farmer, checked our maps, ID, back packs to make sure were weren't up to no good and let us go on our way. The signage was all bluff and bull.

Originally Posted by speleomike

Hi

Just as a comment to "... and the fool olde bio-security sign which seems to popping up more and more."

For many farmers bio-security is absolutely essential. Please don't dismiss it.........

...............On the other side it would be good if farmers provided easy and quick contact information so that persons wishing to cross their land could easily contact them. But in many areas there is no mobile reception.

Mike

I have come across a bio-security sign, stating to call on a specific UHF channel, which I did for a few minutes at Nukunenda Stn (IIRC?) but on receiving no answer I drove through staying on the dirt rd of course.

Cheers,
Randy