Jayakrishnan

On 3/18/2019 at 12:59 PM, Jayakrishnan said:

HI , 

Would like to get some expert opinion to renew my car insurance Pajero 2016 3.5LT.

My query is , do i need to take a additional off road package to get the insurance coverage while off road ?

What is the normal process if we come across any car body damage while off road like Bumper,mud flap damages ?Does it can cover in the normal insurance?

In roads if we met an accident , we have to get the police report . What about in Desert ? Is the process is same like road accidents ?

These are few general doubts in my mind ,Pardon me if you all feels it like nonsense.

Jay

I have compared all the quotations received last few days.The best i got from New india insurance company for an amount of 1680 dhs for full comprehensive package with off road cover for an car value for 60000 dhs. Excess amount have to pay in off road claims if the mistake is happened from my side. The package is with out substitute car cover. 

Does any one have experience with Newindia insurance company?

By the way , thanks a lot for all of your feedback , its really helped me to get better grip on things. 

Jay

On 3/18/2019 at 1:59 PM, Gaurav said:

Nothing is nonsense here at Carnity @Jayakrishnan. People like you, Emmanuel, Frederic who ask a lot of questions help many other users in clarifying their doubts without even asking.

• Insurance is more or less the same as the road coverage: the Third party will not cover your car and Comprehensive will most likely cover your car for any offroad damages.
• Yes, you do need a police report for any damage done in offroad so that insurance can open a claim. If it's a collision it's a straight case of red and green paper like on road. If it's accidental damage hitting the dune, trees etc. then police report will come with a fine amount of 400 dhs (I guess) as it's your fault and the insurance will take care of the damages within the stipulated excess amount you have as per your policy.
• Most insurance companies don't cover offroad damage, and others like RSA, AXA and Oman do cover offroad damage and one needs to read their offroad coverage clause carefully as some mention 5 meters away from the road and others have no distance limitation.
• If you behave well and follow all the rules and convoy discipline chances are you will never damage your car. Almost all the accidents I have seen are caused by drivers who either think they can venture by themselves or just like to try some more adventure by breaking the convoy.
• In my last 12 years of offroad, I have accidentally damaged my car twice - first was in 2006, when I was learning and broke the convoy to go little left and right and ended up on nose dive. The second was in 2017 when dune ended with a sharp drop and soft sand resulting in nose dive again because I was too fast in technical dunes (my mistake).

 

Thanks a lot Gaurav for valuable advise. Will look for the best option accordingly.

HI , 

Would like to get some expert opinion to renew my car insurance Pajero 2016 3.5LT.

My query is , do i need to take a additional off road package to get the insurance coverage while off road ?

What is the normal process if we come across any car body damage while off road like Bumper,mud flap damages ?Does it can cover in the normal insurance?

In roads if we met an accident , we have to get the police report . What about in Desert ? Is the process is same like road accidents ?

These are few general doubts in my mind ,Pardon me if you all feels it like nonsense.

Jay

Dear Team , 

Thanks again for the wonderful newbie drive had on 08th March. It was gr8 with all new learning opportunities. 

I have few good photos and would like to share it on the group. Would like to know how i can do it in the group. Please advise.

Jay

It will be a unforgettable day in my life.

As a new bie and very new to the carnity club , i have reached the Tawi Nazwa shops area with a ton of questions in mind. 

Whether it will be safe or not ? How i will drive in sandy conditions ? What i will do i got stuck ? Is it going to damage my car ?,,,,etc.

But after having the first briefing it self , i was getting my confidence by seeing that things are handling in a very professional manner and the leaders are being gentle and approachable to  any questions in my mind. 

A special thanks to MR @Rahimdadand Mr @Gaurav for making me and my friends comfortable to start with.

The drive was absolutely stunning and a experience which i was waiting for many years.

Not only for be but also my friends also were enjoyed it very much.

The bond between the members are remarkable and by seeing that i am proud to be part of such a good team. 

Thanks a lot to @EmVarlet@Asif Hussain@Atif@Julien V@Frederic Nuyttens for all guidance and help.

Looking forward more trips together. 

@Gaurav,As you mentioned , will participate in @Rahimdad newbey Survey as well with comments.

Jay 
 

Excited to see you all tomorrow.

On 10/20/2018 at 11:33 AM, skumar83 said:

Hi Jayakrishnan, welcome to Carnity. Just click on the below link and become a member and start following the Carnity offroad club. We recently had an absolute Newbie drive and we should be having another one shortly. You can join that drive and start learning the basics of offroading and also more about your vehicles capabilities.

 

 

Hi , 

Thanks for the responds. 

I am already a member of Off road club and will wait for further updates on the next newbie drive. 

Regards 

Jay

Hi Guys ,  Hope all are doing good.  Would like to know, is there any off road trip you  guys are planning for beginners? I recently bought 2016 Pajero 3.5 LT and would like to explore the opportunities to drive it in off road conditions.  I know there are lot many off road masters in the group so looking for opportunities i can learn bit of off road riding.

Thanks  Jayakrishnan