Insurance on 90 for 17 year old w/ Black Box. Can I GREENLANE???

Flagshiplandy · Mar 7, 2019

Thanks for reading! So by some miracle, I have found insurance on my 90 at 17 for £1185 using the moneysupermarket comparison site. All of the other Landy specialists eg Flux wanted £3400!

The bad news is that a black box has to be installed which I don't mind as a 90 can't exactly go fast!!

Problem being I want to go greenlaning and I'm worried that all of that all of the harsh stopping and accelerating etc will give me a bad driving score and leave me at risk to a policy cancellation. Obviously this would then make subsequent renewals skyrocket!

So my question is does anyone have experience of this happening when greenlaning with a blackbox or is it not a problem?

wattfield · Mar 8, 2019

Simple answer - ask the insurance company!

And enjoy the Landy!

BuzzLand · Mar 8, 2019

Assuming you aren't breaking the speed limit I'm not sure what penalty you'd be breaking with them, best to ask though.

Hicap phill · Mar 8, 2019

Won't the green lanes show up on a program if the insurance company check? They don't normally flag unless your speeding.

Keep us all informed

Turboman · Mar 8, 2019

Flagshiplandy said:
Thanks for reading! So by some miracle, I have found insurance on my 90 at 17 for £1185 using the moneysupermarket comparison site. All of the other Landy specialists eg Flux wanted £3400!

The bad news is that a black box has to be installed which I don't mind as a 90 can't exactly go fast!!

Problem being I want to go greenlaning and I'm worried that all of that all of the harsh stopping and accelerating etc will give me a bad driving score and leave me at risk to a policy cancellation. Obviously this would then make subsequent renewals skyrocket!

So my question is does anyone have experience of this happening when greenlaning with a blackbox or is it not a problem?

I doubt if harsh stopping and acceleration will be an issue when greenlaning, slow and steady progress is the norm, maybe the odd stop to recce the ground ahead.

There should be no legal issues with insurance cover, green lanes are public roads, and, as far as I know, there are not many serious accidents leading to claims on green lanes.

In practice, as suggested above, the easiest thing to do would be to phone the insurance company concerned, and ask them.

beanwood · Mar 8, 2019

As a complete aside, and matter of interest, what is the speed limit on a green lane (Given it's a public road). I can't think there is one. Given the lack of a speed limit sign on each side of 'the road' when changing speed limits, presumably it's not enforceable anyway ?

Turboman · Mar 8, 2019

beanwood said:
As a complete aside, and matter of interest, what is the speed limit on a green lane (Given it's a public road). I can't think there is one. Given the lack of a speed limit sign on each side of 'the road' when changing speed limits, presumably it's not enforceable anyway ?

Legally, probably national speed limit, as there are no signs imposing a lower limit. But of course, driving without due care and dangerous driving laws still apply, and could be used if you caused danger to others, or caused an accident.

Obviously no sensible person would drive that fast on unmade roads, due to safety and not upsetting landowners and people living near the lanes.

GLASS code of conduct has advice about speed, and other matters.

beanwood · Mar 8, 2019

Turboman said:
Legally, probably national speed limit,

Yes - it's the 'probably' that's interesting isn't it - particularly from the OP point of view. I presume nobody would generally get anywhere 60 mph on 'normal' green lanes - although I've seen some trying on parts of Salisbury Plain.

Personally, I wasn't actually after a code of conduct, but thanks anyway.

Turboman · Mar 8, 2019

beanwood said:
Yes - it's the 'probably' that's interesting isn't it - particularly from the OP point of view. I presume nobody would generally get anywhere 60 mph on 'normal' green lanes - although I've seen some trying on parts of Salisbury Plain.

Personally, I wasn't actually after a code of conduct, but thanks anyway.

I have been laneing since the 1980s, and doubt if I have ever been faster than about 15 mph. The ground damage is much worse at high speeds.

Slightly disappointed that you are not interested in the code of conduct. My own opinion would be that anyone who is interested in laneing should read it, and indeed be a member of GLASS.

beanwood · Mar 8, 2019

Turboman said:
I have been laneing since the 1980s, and doubt if I have ever been faster than about 15 mph. The ground damage is much worse at high speeds.

Slightly disappointed that you are not interested in the code of conduct. My own opinion would be that anyone who is interested in laneing should read it, and indeed be a member of GLASS.

Yep - been doing the same since about 1985 myself.
I have read the GLASS code of conduct - and it (Mostly) is common sense - still I suppose some people don't have any - and need it pointing out to them. That was always the best thing about Leaf Spring Landies - you couldn't go too fast, as you'd just shake yourself to bits.

Turboman · Mar 8, 2019

beanwood said:
Yep - been doing the same since about 1985 myself.
I have read the GLASS code of conduct - and it (Mostly) is common sense - still I suppose some people don't have any - and need it pointing out to them. That was always the best thing about Leaf Spring Landies - you couldn't go too fast, as you'd just shake yourself to bits.

Sadly, you are right, some do have no common sense, which is why the Nerca legislation came in, and most of the good lanes were lost!

Agree entirely about the Series Landrovers, the shock absorber is the driver!

And the state of my back demonstrates that fact!

Flagshiplandy · Mar 13, 2019

Turboman said:
Sadly, you are right, some do have no common sense, which is why the Nerca legislation came in, and most of the good lanes were lost!

Agree entirely about the Series Landrovers, the shock absorber is the driver!

And the state of my back demonstrates that fact!

Thanks for the replies.

I'm already a member of GLASS which is why I am so eager to get out on the lanes. My question now is do I go through insurethebox/tesco bank box and risk it?
It will be the only way I could buy insurance.

Drawbacks of ITB:
-Blackbox
-Might not be able to greenlane
-They have shocking customer service and cancel your policy without much of a warning
-As it is a defender 90 how helpful will they be in the event its stolen? (obvs i have every bit of security i can)
-Every single review on Trustpilot is 1 star as they are shocking and verging on being scam artists.

Positives: At least I can drive it! :/

I am really stuck as to what to do

Turboman · Mar 13, 2019

Flagshiplandy said:
Thanks for the replies.

I'm already a member of GLASS which is why I am so eager to get out on the lanes. My question now is do I go through insurethebox/tesco bank box and risk it?
It will be the only way I could buy insurance.

Drawbacks of ITB:
-Blackbox
-Might not be able to greenlane
-They have shocking customer service and cancel your policy without much of a warning
-As it is a defender 90 how helpful will they be in the event its stolen? (obvs i have every bit of security i can)
-Every single review on Trustpilot is 1 star as they are shocking and verging on being scam artists.

Positives: At least I can drive it! :/

I am really stuck as to what to do

Bit of a catch 22. Bargain basement policies will likely have bargain basement benefits.

Personally, I would go with the bargain basement, and be careful for a few years while you build up no claims. Check if laneing is allowed, and if not, just stick to pay and play for a few years.

I don't think it is legal to cancel your policy, unless they find you have not disclosed everything.

Flagshiplandy · Mar 13, 2019

Turboman said:
Bit of a catch 22. Bargain basement policies will likely have bargain basement benefits.

Personally, I would go with the bargain basement, and be careful for a few years while you build up no claims. Check if laneing is allowed, and if not, just stick to pay and play for a few years.

I don't think it is legal to cancel your policy, unless they find you have not disclosed everything.

Yep I think I might have to. Its not fun looking at it on the drive whilst you cant go anywhere in it

They can and regularly do cancel insurance (even when it is massively unfair/when the black box glitches) as they can see exactly how you are driving through the blackbox. Any slight hiccup with speed, harsh braking, driving at bad times or for long periods and they threaten cancellation as from their perspective they then don't have to insure you but still keep your money. Its just a loose loose situation.

As soon as they do you're off the road until you're rich!

There needs to be tighter regulation with insurance, something must be going wrong when a company has constant 1 star ratings

Cheers

Turboman · Mar 13, 2019

Flagshiplandy said:
Yep I think I might have to. Its not fun looking at it on the drive whilst you cant go anywhere in it

That is about right. You need to get some use out of the vehicle you have paid for, and get some experience under your belt, even if it isn't exactly the kind of experience you are after.

As an aside, a young lady who used to work for NB has been driving her Corsa with a black box, no issues at all. And she is a bit of a girl racer, so I doubt if she has been driving like a nun at all times.

flat · Mar 13, 2019

beanwood said:
As a complete aside, and matter of interest, what is the speed limit on a green lane (Given it's a public road). I can't think there is one. Given the lack of a speed limit sign on each side of 'the road' when changing speed limits, presumably it's not enforceable anyway ?

You need to read the Highway Code and understand road signs and speed limits me thinks....

Also treat a green lane like any road, if a green lane is coming off a main road that’s posted at 30mph, then unless the green lane is posted differently then it will also be 30mph. Just the same as if you turned from a main road into a side street - change of speed limit will be signposted. No signpost means the limit has not changed.

Other option is get a parent insured on the Land Rover with you as a named driver then you can green lane and go to pay and play.

Then get your self a cheap run around to build up your own no claims with.

Flagshiplandy · Mar 13, 2019

Turboman said:
That is about right. You need to get some use out of the vehicle you have paid for, and get some experience under your belt, even if it isn't exactly the kind of experience you are after.

As an aside, a young lady who used to work for NB has been driving her Corsa with a black box, no issues at all. And she is a bit of a girl racer, so I doubt if she has been driving like a nun at all times.

Interesting! Any idea who she insures with as I'll try them out with a quote? Thanks

flat said:
Other option is get a parent insured on the Land Rover with you as a named driver then you can green lane and go to pay and play.

Then get your self a cheap run around to build up your own no claims with.

Good point although I've spent all of my money on the 90

.

saxavordian · Mar 13, 2019

Just curious not being a Green Lane driver since forces days and would feel faint if I had dirt on my Hairdresser Landy. Would Green Lane driving come under Private/Public Property permission ie Private Road, Farm Tract or Private Estate. As it not governed by Highway Maintenance such as B roads or C Roads. If correct then Insurance cover wouldnt be an issue as Car Tax is not either. Otherwise Horse riding with buggy or Ramblers with wide berth arses and spit Scrambler Bikes and 4x4 quads.Or am I way off base here sorry for my ignorance on Green Laning.

flat · Mar 13, 2019

Green lanes are classed as public roads and you need to be insured, taxed, mot’d and hold a licence as per driving on surfaced roads

AFAIK, Private land (I.e your own field) none of the above apply, unless your in Scotland then all of the above applies regardless of where and what your driving on and regardless of who owns it - yes it applies to private land in Scotland as well

Flagshiplandy · Mar 13, 2019

saxavordian said:
Just curious not being a Green Lane driver since forces days and would feel faint if I had dirt on my Hairdresser Landy. Would Green Lane driving come under Private/Public Property permission ie Private Road, Farm Tract or Private Estate. As it not governed by Highway Maintenance such as B roads or C Roads. If correct then Insurance cover wouldnt be an issue as Car Tax is not either. Otherwise Horse riding with buggy or Ramblers with wide berth arses and spit Scrambler Bikes and 4x4 quads.Or am I way off base here sorry for my ignorance on Green Laning.

My understanding of greenlanes is that they are part of the legal road network and are classed as BOATs or Byways Open To All traffic as they have vehicular rights. In order to drive them, all of the road laws and regulations still apply, ie tax, mot, insurance etc are still required, however as it is still the road network insurance companies would find it difficult to say they wouldn't insure you on them (although most still try to until you challenge and educate them).

Insurance on 90 for 17 year old w/ Black Box. Can I GREENLANE???

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