Green laning insurance – What to consider when choosing cover
If are a green laning lover then you should take out specialist green laning insurance as a normal car insurance policy would not provide you with the coverage you need. When green laning you will be driving over road surfaces that are rough and uneven and these surfaces of course can bring more hazards than driving on normal road surfaces. When looking for a policy you should bear in mind that usually if the policy would cover a 4 x 4 off-road driver then it would also cover you.
If you are an enthusiast who had tailored their vehicle to suit to suit your needs then you should check to find out if agreed values would be included in the policy. Agreed values means that you would have your car valued and this is then the amount that you would insure your car for. This is then the amount that would be paid out by the insurance provider if the worst happened and your car was written off. If you have added many spare parts onto your vehicle and do not have agreed values then you could lose out on a great deal of money if you lost everything.
You could also check to ensure that you would be able to claim salvage rights in the event your vehicle was written off. However this would be at the discretion of the insurance provider as if your vehicle was a write off and it was seen to be too badly damaged then you might not be able to claim back salvage rights.
When checking the features offered in green laning insurance you should check the amount of excess you have to pay for such as windscreens. Usually as you are driving over terrains that can be rough you would generally be asked to pay extra in excess. This means you then have to pay out a sum of money towards the repair of your windscreen. This amount could vary so checking is essential; some providers could waiver this amount for very minor repairs for scratches so again you would have to check.
If you are a member of a specialist club then you might be able to make some great savings on the cost of your insurance. Generally those who are club members are seen to be more reliable and safer drivers which brings down the cost of the insurance. Of course you would also be able to get great advice with likeminded people.
While green laning insurance can be dearer than a standard insurance policy there are ways to save money such as improving the security of your car. You could also offer to pay out more in excess on the policy that what the insurance provider asks for. All providers will state a minimum amount of excess that you would have to payout. The excess is the amount that you would have to find in a lump sum should you need to make a claim on the insurance. While you could save on the premiums if you were to make more than one claim in any one year you could lose out.
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