A 4x4 insurance policy would cover green lane insurance
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A 4x4 off road insurance policy could be taken by those looking for green lane insurance. This type of insurance is needed by those who take their cars and travel along the many green lanes otherwise known as rights of way. While the 4x4 off road policy would cover greenlaning, the two are actually very different things. Green laning drivers drive along an unmetalled surface while off road drivers could take their vehicles over hills, fields and generally any rough terrains.
When comparing green lane insurance there are certain features you should look for in the policy. As those taking part in green laning are often members of specialist clubs that take part in rallies and shows their cars are often modified. As such they are worth far more than the standard 4x4 vehicle. With this in mind you want to take into account the fact of whether agreed values is taken into account. With agreed values you would have your vehicle insured for its true value and if in the worst case scenario you lost your car or it was damaged beyond repair you would get the true value.
If you do attend shows and rallies you should also make sure you have show cover in with the insurance. Some insurance cover will just provide protection for the odd day or two on the day of the show. Others could include it as standard and it would be there if needed. If you go out of the country green laning then check that there is a green card included in the insurance. This means you would not have to apply for insurance whenever you went to another country as the green card shows you have insurance, even if it is the most basic of insurance.
While you do not like to think that your car could be damaged beyond repair, it can happen. So with this in mind find out if any green lane insurance policy you were considering included salvage retention rights. Salvage retention rights would allow you to buy back the wreckage of your car so that you could strip off any parts of value to use them again. However your salvage rights would depend on the law and if the vehicle was deemed to be too badly damaged you would have to give up this right.
Just as with “normal” car insurance you would be able to save money on the cost of the insurance if you offered to payout more in excess. The excess is the money you would have to payout of your own pocket before the insurance company would payout the remainder of the claim. While you can make savings on the insurance this way you also have to take into account that the amount of excess you choose to payout would have to be paid in a lump sum. You could also make savings on green lane insurance by installing good quality security devices. These could include such as an immobiliser, steering wheel locks or a tracking device. While you would have to payout for these initially, the savings you make could make up for this.
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