if i have comprehensive insurance for my 4wd, is it covered on the beach?

Answer 1

Are you talking about a vehicle with 4-wheel drive, or a 4WD ATV? You should read your policy. However, comprehensive coverage lists the perils that are covered under the policy like water damage, fire, acts of God, vandalism, etc. You should look at the exclusions portion and see if there is anything that excludes coverage for the situation you're getting into. No one can really answer a blanket broad question like this. It all depends on what damage you get to your vehicle, and what your policy says.

Answer 2

Probably not, unless there is a recognized street right at the beach. Or if you have a rider, or attached clause, that provides for off-road coverage. Check with your agent.
Comprehensive is supposed to cover what other people do to you or your car, during normal operations.

Answer 3

Yes its covered on the beach. Perhaps you are getting confused on whether the beach is a road or whatever, doesnt matter, Its covered on the beach

Answer 4

Unless you stated when you bought the insurance that you wanted to take it off road, probably not. Check the wording of your policy, it will state exactly what is covered and not covered.

Answer 5

no it,s only covered for social and domestic not for racing up and down the beach if you had an accident they would not pay out because you would be at fault and irresponsible so you would have to pay out of your own pocket and might find it difficult and more expensive in the future

Answer 6

If you do something reallly brilliant like park it and let the tide come in to soak it down, I seriously doubt they would cover that.

Answer 7

You'll have to examine your policy to find out. Your policy is the CONTRACT between you and them. If it's NOT in the policy, then it's ok because you didn't write it. If it IS in the policy, then you have your answer.

Answer 8

Yes. Coverage is coverage. Remember, rolling it over on a sand dune will be COLLISION. If it is hit by lightning, it is comp.