offroad insurance

andres · Nov 30, 2005

Want to do 2 days off road this weekend, a guiding thing in the Cotswolds, a first for me. I've found a garage will hire me a bike but I need to insure. Carole Nash insures my GS but won't extend to the offroad bike for the weekend and I've called about 10 companies, no joy so far. Any ideas? Ta.

Mouse · Nov 30, 2005

Is it really off road? If you are green laning then normal insurance would cover it (as "green lanes" are public roads).

Doesn't the bike hire place have insurance you can take out?

andres · Nov 30, 2005

No it's rivers and mud and tree roots, offroad rather than green lanes. The bike shop will lend me a bike but all at my risk, they normally rent out covered road bikes but will give me an offroad bike at my risk.

Mouse · Nov 30, 2005

Ahh I see what you mean, you're looking for insurance against you breaking their bike rather than third party cover.

Maybe it's a product like track day insurance ... there are companies that specialise in that. In fact maybe you could claim it was a sort of "track day".

BAKERMAN · Nov 30, 2005

i looked into running guided trips through Hampshire countryside on a bike supplied by me, £1,500 a year per bike.

Steptoe · Nov 30, 2005

BAKERMAN said:
i looked into running guided trips through Hampshire countryside on a bike supplied by me, £1,500 a year per bike.

Yes, But it was only that price because it it's you . :confused:

BLUE(UK) · Nov 30, 2005

andres said:
No it's rivers and mud and tree roots, offroad rather than green lanes. The bike shop will lend me a bike but all at my risk, they normally rent out covered road bikes but will give me an offroad bike at my risk.

I doubt many would cover damage like that so simply stump up the cash for what you break!!

Losttheplot · Dec 17, 2005

andres said:
The bike shop will lend me a bike but all at my risk,

Is this a new bike they are lending you? or is it one of a few "hire" bikes that they have?

What sort of bike is it you are getting?

Any good off road bike will survive crashing very well. At the worst expect busted clutch or brake levers (about 20 quid each depending on make of bike), and maybe bent bars.

If your seriously quick enough to risk the rest of the bike maybe the sort of insurance you need to check up on is that which covers your own accident and health?

To reduce potential expensive bills, try and get an air cooled bike (no radiators to bend/wreck), however, if the shop hires out water cooled bikes, they may already have braces fitted to help protect the rads.

Sounds like your going to have a real giggle anyway....

HTH

nathan

offroad insurance

andres

Registered user

Mouse

Registered user

andres

Registered user

Mouse

Registered user

BAKERMAN

Well-known member

Steptoe

What a waste.

BLUE(UK)

Registered user

Losttheplot

Well-known member

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