Thread: Insurance

Originally Posted by disco2hse

Just because there are no exclusions for off-road cover does not therefore mean that it will cover you off-road. You will only have off-road cover if the policy specifically states that you have it otherwise all car insurances will only cover you on-road. Roads might include paper roads but not always and certainly would not cover most tracks unless they appear on cadastral maps as roads.

Off-road cover should also cover you against things like causing bush fires, etc. which can get very expensive even if you did not act in a way likely to cause it, say your exhaust emits a spark that causes a fire.

Alan

OK just gave them a call and asked for more info regarding off road driving, she said that the policy covers anywhere in Australia that include parks and trails as long as you are not trespassing.

Also Legal liability cover up to 30 mil and that will cover damage to other peoples property including fire. I never asked if that include bush fire maybe I should have.

Thanks for prompting me to clarify this.

Patrick

Hi Patclan,

Yep pretty sure it covers offroad as we go caving off the beaten track all over Oz and SWMBO would have told them that at the time. Having said that I double-check when I get home!!