Compulsory Insurance for Off Roaders?

[Pie face]

Just read in this week's Farmers Weekly a really distasteful story about an old farmer who apparently ran over a member of the public on private land because he thought they were up to no good. Seems like he was driving an uninsured off road 4 x 4 and used in as a weapon on a guy who is now paralysed from the neck down. The piece went on to say that the Motor Insurers would stand the cost of the claim from the fund for uninsured drivers, so basically we all pay allthough I would assume the Motor Insurers will try and claim off his assets if any. The thing that really grabbed my attention however was that it said that there are now moves afoot to make insuring off road vehicles compulsory which if true would cost me and I'm sure many of you a pretty penny. I've got half a dozen bits of kit ranging from an old Land rover discovery to a dB 990 none of which will ever go near a road and will only ever potter about my own land, seems crazy that I will have to insure them to drive on my own land.

 

[7610 super q]

How do you distinguish between vehicles to be used as breakers, collectors items, non runners, hoarders vehicles.........Scrap yards are going to be worried.

A bit of respect for others properties wouldn't go amiss. Don't trespass on private property, and you won't get run over. Simples.

 

[Exfarmer]

Good house insurance carries third party cover for you while on your property. This should cover you. Speak to your insurer as some cheaper ones do not cover driving vehicles in this situation.

 

[Exfarmer]

Good house insurance carries third party cover for you while on your property. This should cover you. Speak to your insurer as some cheaper ones do not cover driving vehicles in this situation.

House insuarance will not of course cover you if this is business related, if so you must have third party for your business

 

[Courier]

Just read in this week's Farmers Weekly a really distasteful story about an old farmer who apparently ran over a member of the public on private land because he thought they were up to no good. Seems like he was driving an uninsured off road 4 x 4 and used in as a weapon on a guy who is now paralysed from the neck down. The piece went on to say that the Motor Insurers would stand the cost of the claim from the fund for uninsured drivers, so basically we all pay allthough I would assume the Motor Insurers will try and claim off his assets if any. The thing that really grabbed my attention however was that it said that there are now moves afoot to make insuring off road vehicles compulsory which if true would cost me and I'm sure many of you a pretty penny. I've got half a dozen bits of kit ranging from an old Land rover discovery to a dB 990 none of which will ever go near a road and will only ever potter about my own land, seems crazy that I will have to insure them to drive on my own land.

So basically an insurance for whilst a vehicle is SORN then ?

 

[snarling bee]

2 things:

Someone's got to catch you

It won't be expensive

Presumably you don't insure your stuff for theft or fire then?

That's 3

 

[Pie face]

Exactly, I've a motorbike SORN and locked in a garage for a good few years, I don't know how they would diferenciate between that and my off road disco that I drive regularly.

 

[Pie face]

2 things:

Someone's got to catch you

It won't be expensive

Presumably you don't insure your stuff for theft or fire then?

That's 3

I don't insure my off road stuff because I don't have to (currently anyway), I don't need to (trust me on that)and I don't want to. Your right in saying that the cover could probably be had for not a lot but when you add all my bits of not a lot insurance up it's more than £10k already.

 

[PSQ]

The thing that really grabbed my attention however was that it said that there are now moves afoot to make insuring off road vehicles compulsory which if true would cost me and I'm sure many of you a pretty penny.

So if I insure an off road vehicle for my own land, I would be covered for mowing down hare coursers?

- Sounds like a deal, where do I sign?

 

[PSQ]

Joking apart (almost), there have been moves afoot from Europe to implement off road vehicle insurance, stemming from the 'Vnuk' case in 2014, where a Slovenian farmer reversed an uninsured tractor and trailer and knocked someone off a ladder.
The Motor Sport Association have been on about it for a long time, as it may mean the likes of go kart drivers will have to carry individual insurance, rather than be insured by dint of membership of their club. More BS, but then again isn't bureaucracy what the EU do best (and I say that as an unwavering 'remain' voter).

From the MSA's web site:
"The MSA is continuing to engage with the Department for Transport (DfT) on Vnuk, a 2014 European Court judgement that threatens the future of all UK motorsport.

The court ruled that EU countries must look again at how they enacted EU motor insurance law in each country. The court interpretation would require all motorsport vehicles to have compulsory third party motor insurance. The MSA’s preferred solution is for motorsport to be excluded from the EU’s motor insurance directive; this is also the UK government’s preferred option."

See also:
https://www.weightmans.com/insights/the-implications-of-the-vnuk-case/

 

[Exfarmer]

Anybody who does not insure themselves for anything of this nature is an absolute fool. It iponly requires one inquisitive child who innocently trespasses to have a look at what you are up to and gets seriously hurt, you could be paying for life. Think it costs about a tenner a year on house insuarance

 

[7610 super q]

Joking apart (almost), there have been moves afoot from Europe to implement off road vehicle insurance, stemming from the 'Vnuk' case in 2014, where a Slovenian farmer reversed an uninsured tractor and trailer and knocked someone off a ladder.
The Motor Sport Association have been on about it for a long time, as it may mean the likes of go kart drivers will have to carry individual insurance, rather than be insured by dint of membership of their club. More BS, but then again isn't bureaucracy what the EU do best (and I say that as an unwavering 'remain' voter).

From the MSA's web site:
"The MSA is continuing to engage with the Department for Transport (DfT) on Vnuk, a 2014 European Court judgement that threatens the future of all UK motorsport.

The court ruled that EU countries must look again at how they enacted EU motor insurance law in each country. The court interpretation would require all motorsport vehicles to have compulsory third party motor insurance. The MSA’s preferred solution is for motorsport to be excluded from the EU’s motor insurance directive; this is also the UK government’s preferred option."

See also:
https://www.weightmans.com/insights/the-implications-of-the-vnuk-case/

Say no f**king more.

 

[PSQ]

Anybody who does not insure themselves for anything of this nature is an absolute fool. It iponly requires one inquisitive child who innocently trespasses to have a look at what you are up to and gets seriously hurt, you could be paying for life. Think it costs about a tenner a year on house insuarance

Because insurance would bring the child back to life?
Because it would absolve you from blame? (the ‘victim’ is not allowed to be found in the wrong, even if they have behaved like a fool, insured or not).

Because what?

And why do these tales of woe have to be illustrated with random acts of over imagination, where does it stop? - “what if you get buggered by space aliens?” FFS...

 

[Goweresque]

“what if you get buggered by space aliens?”

Don't worry, you can get cover for that:

https://ufo2001.com/

 

[Pie face]

Don't worry, you can get cover for :

 

[Exfarmer]

Because insurance would bring the child back to life?
Because it would absolve you from blame? (the ‘victim’ is not allowed to be found in the wrong, even if they have behaved like a fool, insured or not).

Because what?

And why do these tales of woe have to be illustrated with random acts of over imagination, where does it stop? - “what if you get buggered by space aliens?” FFS...

If child dies that is probably a winner if it is the fault of the land / tractor /vehicle owner. A severely disabled child can lead to claims in the tens of millions
I also know of a lad who was injured, through his own fault who received not one penny in the courts.
However for the average person , not insured, faced with a claim, when a child is injured , they are facing a real uphill challenge. The courts will always assume, unless there is very strong evidence otherwise that the adult is responsible.
Sadly our litigation does not assume that a trespasser is automatically in the wrong, even if they are an adult.

 

[Pie face]

When I chug my old disco around my own land at 15mph I think I am fairly safe given the nearest houses /people/kids are in a village a couple of miles away. If however my land was next to a large council estate with a history of feral kids running loose in the fields that I then decided to drive my off roader across at 50mph it would be a different matter.

 

[Baker9]

What about the Public Liability insurance that the business has, I would have though that it would be relevant in this type of circumstance but not if you deliberately set out to injure someone.

 

[ThatsSomeSheep]

What about the Public Liability insurance that the business has, I would have though that it would be relevant in this type of circumstance but not if you deliberately set out to injure someone.

Seconded.

TSS

 

[How much]

This has been rumbling on for a few years now it stems from originally the EU , Someone I think an austrian homeowner or someone knocked soma neighbour off a ladder i think he was paralyzed so a very serious issue but it was with a tractor that was maybe a lawnmower and that is where the original complainant was , then the insurers got involved and a argument ensued about why the householders home insurance should cover a motor vehicle and the cost of the paralyzed guy then the EU got involved and and there was some public consultation on it a couple of years ago , basically the insures are all for it as its extra business for them.
I have no idea how or if it was resolved but big issue here at least was off road motor sports competitors in that they as participants are not insured individuals and the consensus was that if they had to be grass root motorsports would become un-affordable as the policy for it would be just un affordable as fellow competitors would be claiming against each other and so on .