Do you own or are you planning to buy an off-road vehicle and are wondering about the insurance issue? In the following article you will find interesting information and answers to the most important questions in this topic.
Let’s start with how an off-road vehicle should be understood in general. This is a broad category that, depending on your assumptions, can range from vehicles designed for extreme driving in forests and swamps to standard SUVs that are driven on public roads every day and have nothing to do with off-road sports. If you have a standard, factory version of the car, in the construction of which you do not interfere, you will pay the normal rate of liability. Remember, however, that large cars, which include off-roaders, are among the most expensive vehicles in terms of insurance.
Using an online third-party insurance comparison engine available at https://kalkulator-oc-ac.auto.pl/you will find that in general large off-road vehicles are the most expensive to insure. This is primarily due to their parameters, because they largely determine the amount of the premium
The key issue is the engine capacity, which in the case of off-road cars is usually above average, and therefore the Third Party Liability Insurance is also more expensive for owners of such cars, compared to city or family models. At the same time, it must be remembered that the price of a compulsory policy is always calculated individually and, apart from the parameters of the vehicle, also depends on the information about the owner and his or her insurance history.
The above paragraphs apply to models with factory parameters, but most cars used for off-road is subject to various modifications to adapt them to driving in extreme conditions. Use of additional protection for the car body, increase the power of the drive unit, installation of safety cages, winch or non-standard lighting can make the company will treat the off-roader as a non-standard vehicle. What to do in this situation?
Cars adapted to off-road, whose construction has been seriously modified in terms of driving in difficult conditions and which also move on public roads, are also subject to the insurance obligation. However, even if the company recognizes the model as a special-purpose vehicle, it has no right to refuse to sell third-party liability. However, it can impose a very high premium, so all the more reason to look for the cheapest deals – if you have a car Audi, more information about its insurance will learn at https://kalkulator-oc-ac.auto.pl/marki/audi/.
The situation is different with autocasco, because the insurance company may refuse to sell it if it applies to a special-purpose vehicle. Not every insurance company offers AC for such vehicles, so you need to look for one that offers a suitable solution
If you succeed in doing so, carefully review the terms of your policy. Remember that in contrast to the obligatory third party liability insurance, an accident insurance policy should be chosen not only in terms of price, but also the scope of guaranteed protection. Look for AC that is adjusted to the risks connected with off-road driving. Pay attention to issues such as towing, on-site repair or fuel delivery, and make sure that the insurance also applies when driving off-road, not just on public roads.
Main photo: Jeff James/unsplash.com
