Devon TRF Group Forum

victor · Clubman B

Check your bike insurance!!!

TTR · Powermonger!!

victor wrote:
It may well be worth checking with your bike insurers ,as to whether or not you are covered by your insurance whilst riding on the trail.
I`ve just had this discussion with Carole Nash Insurance,whilst getting a renewal quote.
They state that even though you are on a legal green lane or trail,which may be a UCR or a Byway,you are not covered by their insurance,because the surface isn`t "paved".
The fact that your bike has to be road legal,with tax,etc.,doesn`t make any difference.

That's daft evileye

I wonder what their definition of "paved" is?

Bit of a problem if you go to Europe on their insurance as many of the back roads are gravel and dirt.

Legally though, surely they still have to provide RTA cover in any "public" place?

doug9270 · Powermonger!!

victor wrote:
It may well be worth checking with your bike insurers ,as to whether or not you are covered by your insurance whilst riding on the trail.
I`ve just had this discussion with Carole Nash Insurance,whilst getting a renewal quote.
They state that even though you are on a legal green lane or trail,which may be a UCR or a Byway,you are not covered by their insurance,because the surface isn`t "paved".
The fact that your bike has to be road legal,with tax,etc.,doesn`t make any difference.

Easy option, use another insurance company and let them know you are going to inform your mates about this stupid definition !!

victor · Clubman B

Just went back to CN,again.Put forward TTR`s points about Europe,etc and after much deliberation,the answer came back that whilst in Europe,you`re covered,because they understand that a lot of the roads are dirt/gravel.When the question of the situation here in the UK was put to them and explained in the greatest detail once more,the answer came back that provided you are on a" legal road",then you are covered. The problem seems to be this term"riding off road",which a large majority of the general public seem to be misinformed about.

doug9270 · Powermonger!!

Seems CN call centre staff are not up to date with their knowledge of definitions ?

RichT4 · Champion

Thanks for the update victor, I'm now with Carole Nash and was a little worried seeing this thread.
TBH I think I would only ever have to claim if I was involved in an RTA, and that is way more likely on tarmac but is possible on a green lane.

Pete · Devon's Best

Check the small print if you are with Aviva and plan to attend one of the TRF Fundays.

Under Exclusions you may find, as I did, the words Off Road Events, meaning no cover, public place or no.

KronreifTrunkenpolzMattighofen · Devon's Best

Also, I had to gain written confirmation that my EXC is covered as it doesn't have an ignition key, the bloke on the phone went quiet when I asked why they had been taking my money for the past year if they couldn't insure it.....