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Yellow

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  • Platinum Member

I've had a sift through the forum, and not seen much info about this recently, so thought I'd ask in a new thread rather than digging up something old.

 

I'm finally picking up my JKU on Monday (after a 6week wait!), and wanted to ask you knowledgeable folk about what insurance companies you could recommend , I'd like to do some green laning, and some of the 4x4 days that have been organised.

 

I've had to do a little off roading in my fourtrack for work, but as its not quite as pricey as my new wrangler I've not really considered if its covered or not.

 

Is this something I need to consider, or as long as its not competitive or racing is it ok to just do on normal policies?

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  • Platinum Member

OMG, there we go again...

 

You will have the most varied replies from people here; some will swear by Adrian Flux, others like me would like to see them nailed to a cross and drag through a quarry - long story short, my suggestion is to shop around and you might be lucky.

 

I am using Admiral, just FYI.

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Liverpool Victoria! £208 all in, protected no claims, all mods, charity/voluntary use covered. If you're green laning then these are highways and you need a 'street legal' vehicle ie mot, tax, insurance, so normal insurance covers it? Don't bother claiming for a few scratches and dents - excess plus higher renewal counts that out

If you upside down it in a quarry - tough - you pay! Provided it's not £40k's worth of new truck! Then you might need expensive off road cover.

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Likewise, Admiral multicar cheapest for me, was with Flux and had no problems but admiral were better quote

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Sorry for opening the can of worms, but an update on my insurance situation.

 

I've been with Admiral on my personal car and the bike for a few years now, and always been good, however they will not cover me for work when off road, and I can't risk that, nobody intends to have an accident, but they do happen, and bad stuff happens if you don't do it by the book, so Admiral were out of the running for me.

 

I moved onto Liverpool Victoria - I have some friends with them and they have been happy with it, so was worth a try. I turns out, however, thatt they point blank won't insure a cameraman, so sadly the conversation got no further.

 

At this point it seemed like it was specialist cover, so I gave Flux a call and they did manage to find cover - albeit at double the price of admiral's original quote.

 

I can't afford to not have the right paperwork with me on set as 99% of the time they ask for every form under the sun to be filled out correctly before I'm allowed to turn up to the job - no wonder film and tv production is so bloody expensive... everyone just passes on these costs to the client and it all adds up.

 

I do feel happy now that I'm completely covered for everything I want to do, and the policy is flexible enough to add bits on if I need to in the future, with a good chance the premium will drop year after year. Thanks for the advice.

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I never knew that what job you had actually had an affect, I thought it was just them being nosey. Admiral did ask about what list celebrities I worked with - so maybe it  is higher premium because I could run over a celebrity? No idea...

 

Not as exciting as being a Millwall cameraman, or even a conflict zone, those would both justify higher premiums I'm sure. I'm not strictly a cameraman, but none of them have drone operator on their list, and as I'm essentially an aerial cameraman that's the closest I could get. I suppose I could have tried photographer, it may have been different.

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