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Motorcycle Insurance – Are you covered when riding ‘Off-Road’?

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  • #34753
    • Town/City: Tauranga
    • Bike: BMW R100GS

    Topics Created: 1,535
    Replies posted: 3,079

    Rank: Round the World Adventure Globetrotter

    A discussion relating to this came up on the Adventure Riding NZ Facebook group recently, and this article just appeared on

    Family warns people to check insurance policies after being left with $33k ute that was not covered.

    In short the family went hunting on a private farm and rolled the ute. The driver and vehicle was covered by a comprehensive insurance plan with Tower Insurance but Tower refused the claim as the vehicle wasn’t insured as a farm vehicle.

    From the article:
    The vehicle was not used for work on a farm, so they felt that private use fitted the description but private use of a four-wheel drive should include off-roading, he said.

    The Greens say they were never sent a hard copy of the policy but when they looked online they found they were not covered if the ute was not on public roads.

    Whilst it might be too late for them, the Greens want to make sure Southlanders checked their insurance policies before signing anything.

    A lot of Southlanders would be in the same position, thinking that they would be insured, every time that they take their four-wheel drive off-roading, Rachel said.

    Under the Greens’ certificate of insurance, the policy schedule does include “Anywhere in New Zealand.”

    Stuff queried with Tower Insurance what “Anywhere in New Zealand” means and would it confuse people thinking they might be covered.

    Tower Insurance replied: “While we recognise this is an unfortunate situation, unfortunately, the insurance policy this customer purchased does not provide cover for using the car off road”.

    At Tower, off-road means open land, on beaches, riverbeds and sand dunes.

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