Green Lane Insurance

I think people are making a rod for their own backs by even asking insurers about green lanes. If the Road Traffic Act requires you to be insured then you are, simple as that. Whether they could legally exclude green lanes as part of the policy terms, which would require them to define exactly what a green lane is, I don't know but I suspect not.

What next, no cover in Asda car parks?

Some insurers specify surfaced roads, although again this is also unclear, I used to live on an unadopted road, that was mettled, not tarmaced so probably outside of their defenition of surfaced.
I simply asked if I was covered on any right of way, and was answered yes. (I have this in writing)

yes, IMO a green lane/boat/orpa/UCR should be covered as they are legal rights of way, and unless something happens, and somone needs to claim, we will never know one way or another on a legal standpoint and are stuck with what insurers tell us.

IIRC car parks didnt used to be covered, but some regs were changed a few years ago to stop dads taking 14y/o billy to morrisons car park on a sunday to learn to drive, I beleive any place where public have free access, so carparks, campsites etc now fall under the same rules as roads in regard to tax/mot/insurance etc.

I live half a mile from the road along a BOAT.
So, am I driving without insurance for part of every day? What if I collide with one of the other residents' vehicles on this narrow lane?
Does the Tesco delivery man need to buy Green Lane cover so that he can bring me my groceries?

Warra loda bollox.

The RTA specifies that you need insurance .

(1)Subject to the provisions of this Part of this Act—

(a)a person must not use a motor vehicle on a road [or other public place] unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act, and

(b)a person must not cause or permit any other person to use a motor vehicle on a road [or other public place] unless there is in force in relation to the use of the vehicle by that other person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act.

Fortunately, we are covered for access to launch our RIB using 'any reasonable route and means', so basically our boat is covered on a BOAT

Me gone :bolt:

SteveD said:

The RTA specifies that you need insurance .

(1)Subject to the provisions of this Part of this Act—

(a)a person must not use a motor vehicle on a road [or other public place] unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act, and

(b)a person must not cause or permit any other person to use a motor vehicle on a road [or other public place] unless there is in force in relation to the use of the vehicle by that other person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act.

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I believe it was the [other public place] that was the addition

It's the road bit that is important though when talking about greenlanes. The [other public spaces] was an addition, in 2000 I think.

I found this about policies as well

145 Requirements in respect of policies of insurance.

(1)In order to comply with the requirements of this Part of this Act, a policy of insurance must satisfy the following conditions.
(2)The policy must be issued by an authorised insurer.
(3)Subject to subsection (4) below, the policy—
(a)must insure such person, persons or classes of persons as may be specified in the policy in respect of any liability which may be incurred by him or them in respect of the death of or bodily injury to any person or damage to property caused by, or arising out of, the use of the vehicle on a road [or other public place] in Great Britain

So it would appear that according to the RTA they HAVE to insure you on greenlanes.

Ooops, we seem to have hijacked poppies thread. Ive reported it and asked a mod to split it

yes, they HAVE to insure you, but they can claim it back off you if you break their T&Cs.
example, I had a motorcycle accident, the driver was insured, but only had a provisional, and no qualified driver.

the other partys insurance paid out to me for loss/injury etc, but then because they weren't driving "in accordance of her licence" or some such they took her to court for the payout.

splitting good idea

Split and moved from Poppys fred

SteveD said:

It's the road bit that is important though when talking about greenlanes. The [other public spaces] was an addition, in 2000 I think.

I found this about policies as well

145 Requirements in respect of policies of insurance.

(1)In order to comply with the requirements of this Part of this Act, a policy of insurance must satisfy the following conditions.
(2)The policy must be issued by an authorised insurer.
(3)Subject to subsection (4) below, the policy—
(a)must insure such person, persons or classes of persons as may be specified in the policy in respect of any liability which may be incurred by him or them in respect of the death of or bodily injury to any person or damage to property caused by, or arising out of, the use of the vehicle on a road [or other public place] in Great Britain

So it would appear that according to the RTA they HAVE to insure you on greenlanes.

Ooops, we seem to have hijacked poppies thread. Ive reported it and asked a mod to split it

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You would think so. But if they (insurance company) in there term/conditions say no green lane coverage in there contract with you and you accept (enter into contract )by making payment or your signature. You have agreed to the terms of the contract.

So not much of a leg to stand on with this gripe. And if those say I didn't know, ask your self did you read the contract/terms and conditions?

Not true, contract terms and conditions can't overrule the law of the land. It just make those particular t&cs unenforceable.

SteveD said:

Not true, contract terms and conditions can't overrule the law of the land. It just make those particular t&cs unenforceable.

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Then tell the insurance company that , and see what they say

Thor1950 said:

Then tell the insurance company that , and see what they say

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They will tell you what they want you to do. They will have had there T&C's read and adjusted by a legal bod but depending on how much they pay that person depends on the quality of advise.

There is so much bollix in lots of T&C's (not just insurance) its there to scare the customer and encourage them to behave in a certain way after reading it. A lot of it isn't worth the paper its printed on.

They don't make the rules, its how they interpret them. Wether that be rightly or wrongly.

On the greenlane cover front it would be interesting to hear from a flux representative or an under writer.

GINGE said:

They will tell you what they want you to do. They will have had there T&C's read and adjusted by a legal bod but depending on how much they pay that person depends on the quality of advise.

There is so much bollix in lots of T&C's (not just insurance) its there to scare the customer and encourage them to behave in a certain way after reading it. A lot of it isn't worth the paper its printed on.

They don't make the rules, its how they interpret them. Wether that be rightly or wrongly.

On the greenlane cover front it would be interesting to hear from a flux representative or an under writer.

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Sorry to say, looks like our Flux rep is DAN and we know how he was