Clarification on 'legally allowd to drive' in insurance

[Mickyd123 Lurker Find all posts View Profile Close Mickyd123]

Hi all

just doing insurance quotes and the wording in the policy says they cover 'anywhere in Australia that you are legally allowed to drive'... meaning on or off road. What is not clear now is how this is determined. Say I am off road in a National Park or similar, is there extra I need to do to be legally allowed to drive there or is it assumed that you are allowed as they are public areas? Newby here so any help appreciated.

cheers

[Guest Close Guest]

You need to ask your insurance company this in writing to cover yourself.


But normally it means a Gazetted road. So if you roll in sand dunes or a paddock etc you may not be covered.

[MDS69 Advanced Member Find all posts View Profile Close MDS69]

Yes a bit like the Simpson Desert for example. You are permitted to leave the track to camp off to the side up to a distance of 50m. Now if you were to roll your car within that 50m from the designated track are you covered. On one hand you are not on the designated track but on the other hand your are permitted to be off the track according to the government department. I could see insurance weaselling out of that one.

[red hilux Member Find all posts View Profile Close red hilux]

I was told by my insurance company that I’m legally allowed to be there, on existing tracks. Not covered. If I’m creating my own tracks

[Mickyd123 Lurker Find all posts View Profile Close Mickyd123]

Thanks all. Will seek some written clarification. They seemed pretty cool with it all - which made me question it all...

[andoland Senior Member Find all posts View Profile Close andoland]

But normally it means a Gazetted road. So if you roll in sand dunes or a paddock etc you may not be covered.

I'm not sure that it's that restrictive. There are lots of places that are not gazetted roads that you are legally allowed to drive and this would include a paddock on private property that you have permission to be on (e.g. your own property, your own driveway, etc.). It would include, for example, the Madigan line, where you have the required permits. I talked with my insurance company about this several years ago and they said it did not matter where/what I was on, as long as I were permitted to be there I was covered.

But, as you also said, he needs clarification from his specific insurance company.

[andoland Senior Member Find all posts View Profile Close andoland]

double post