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I use 44 almost entirely off-road... I inquired of Haggerty and receive a quite reasonable quote... not extreme but, I told them upfront that I drive a lot off-road... not extreme crawling or anything... and they refused to cover me.
I asked what would happen, if one of their insureds had their 40 stolen and filed a claim and they found out that person had been using their 40 off-road. I was told, "the claim would be denied. The policy cancelled... and charges potentially filed for not being truthful on the application".
I doubt they would file charges... but, who knows...
I stayed with my multi-vehicle State Farm policy and take a lot of pictures of everything I've done to 44... along with invoices and other docs.
For anti-theft, I have a hidden battery switch, a hidden kill switch and a hood lock, that includes an ignition interrupt... and a couple of other little niceties... won't stop someone with a flat bed... but, it's garaged at home and generally only left alone, while I'm hiking in very remote areas.
I've been using a SPOT GPS Messenger for several years... if I had to park 44 anywhere that left it markedly open to thieves, I would use the SPOT tracer... I may anyway...
I asked what would happen, if one of their insureds had their 40 stolen and filed a claim and they found out that person had been using their 40 off-road. I was told, "the claim would be denied. The policy cancelled... and charges potentially filed for not being truthful on the application".
I doubt they would file charges... but, who knows...
I stayed with my multi-vehicle State Farm policy and take a lot of pictures of everything I've done to 44... along with invoices and other docs.
For anti-theft, I have a hidden battery switch, a hidden kill switch and a hood lock, that includes an ignition interrupt... and a couple of other little niceties... won't stop someone with a flat bed... but, it's garaged at home and generally only left alone, while I'm hiking in very remote areas.
I've been using a SPOT GPS Messenger for several years... if I had to park 44 anywhere that left it markedly open to thieves, I would use the SPOT tracer... I may anyway...
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What is "offroad?" If you are on designated trails, what diffrentiates that from a dirt road? Is a driveway considered offroad since its not a federal or state road? If you park in a garage isn't that offroad? I don't see how they could press charges for that, or uphold such a rule unless the drives says "I offroad it." Most trails around here are actual roads they have fallen into disrepair from years of neglect.
I asked that question and explained that I make road trips on paved highways, to get to off-road destinations and drive off-road and that, when off-road, I am always on, at minimum, a two-track...
To be clear, I filled out a Haggerty application, online, and marked that I drive off-road... once I submitted the app, I received a phone call from the rep...
She asked a number of questions. I answered them honestly and she told me, "We are a 'classic vehicle' insurance company. We insure classic vehicles (meaning vehicles that are 'show ready'). We don't insure vehicles for 'road trips' and we don't insure vehicles for "off-road" use. We insure classic vehicle clients who drive their vehicles to car shows, weekly classic car get-togethers, and short trips (like, to get an ice cream)".
That's when I asked what would have happened had I not checked the "off-road use" item on the app... and she replied, "...claim denied, policy cancelled, potential charges filed".
Having read all of the assertions of MUDders using Haggerty, I was a bit taken aback... but... this is my experience with Haggerty.
If you have further questions, you really should discuss it with Haggerty.
I suppose you could always tow it to a paved road and start a claim, but I don't operate like that...
HTH
Someone with more mechanical experience may be able to clarify this, but years ago I read about people that would wire a model A coil to their car. Anyone that would touch it would get quite a shock!
That would be a theft deterrent!
However, it today's litigious society, could it also be considered a 'mantrap' with lethality as an unintended result?
As a visible deterrent I've got a Kryptonite Lock through the steering wheel and around the Front roll bar hoop. Also, A hidden fuel shut off. The new wiring harness also has a ignition kill switch. I've got a Tuffy console for valuables... although, it's worth more than everything I keep in it.
To boot, I live in an area where some cruiser owners have never fixed their door locks for years and no one has messed with their rig. That said, another local mudder's rig went for a drive and turned up later without wheels or a winch,
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I saw one like this someplace before and thought it was a great idea... then promptly forgot all about it... I'll remember to copy your implementation of it for my 40.
There is also one for locking the clutch pedal in place... but, I think the gear shift lock is better.
Thanks!!
Problem with the clutch pedal lock is that I could easily drive your's to my home with out using the clutch... Been there, done that... No lock, just nonworking hydraulics. That said, many people can't drive a stick... Even with the clutch.
A pair of hidden line locks would sure make it harder... Or easier to keep it on a trailer...
Problem with the clutch pedal lock is that I could easily drive your's to my home with out using the clutch... Been there, done that... No lock, just nonworking hydraulics. That said, many people can't drive a stick... Even with the clutch.
A pair of hidden line locks would sure make it harder... Or easier to keep it on a trailer...
You're right, John... I don't use the clutch with my hand throttle, when shifting, while driving off road... but, I'd hate to drive it from Vegas to Victoria, without using my clutch... although Vegas and Victoria are pretty close alphabetically
I have a number of locks and deterrents already and will be adding a couple more in the coming months... but, what do you mean by "line locks"?
EMPI 3155 Hydraulic Brake Park Lock, Brake Line Lock, Pressure Hold Disc Or Drum
Hydraulic line locks... Many options, just an example. I'd search out metric ones not use these.
Thanks John!!
They're used mostly by rock crawlers to ensure the truck doesn't go anywhere... And tow trucks when winching. They're not legal as emergency brakes, but one on each end will hold the truck much better than the 6" drum on the T-Case.
I've had the truck start to roll back even with the E-Brake set on a steep grade, and the piece of mind of also having four calipers clamped down as well would be worth the cost. They used to cost a lot more... For $30ish an end, I'll be adding them to the list.
@Racer65 needs to add some metric ones to his store at a reasonable price. Or I'll just have to figure them out on my own. I can think of a few ways they'd come in handy... At the best of times, the stock E-Brake is marginal and easily overpowered. I've been on a steep slope, with a trailer hitched up, putting it in low range, setting the stock E-Brake, and shutting off the motor... Hoping & praying the truck wouldn't start creeping forward...
I've had the truck start to roll back even with the E-Brake set on a steep grade, and the piece of mind of also having four calipers clamped down as well would be worth the cost. They used to cost a lot more... For $30ish an end, I'll be adding them to the list.
@Racer65 needs to add some metric ones to his store at a reasonable price. Or I'll just have to figure them out on my own. I can think of a few ways they'd come in handy... At the best of times, the stock E-Brake is marginal and easily overpowered. I've been on a steep slope, with a trailer hitched up, putting it in low range, setting the stock E-Brake, and shutting off the motor... Hoping & praying the truck wouldn't start creeping forward...
Be really careful with those line locks - if there is even the slightest brake system leak they will release . We watched my Samurai roll down a very steep trail once by itself - missed every tree and everyone else on the trail with no harm , except maybe a few slight heart attacks .
When I got home I rebuilt the system again , this time using very high pressure (5000+psi) stainless ball valves - never an issue again .
Sarge
When I got home I rebuilt the system again , this time using very high pressure (5000+psi) stainless ball valves - never an issue again .
Sarge
@bikersmurf & @Weber Sarge
This is great information, Gents!!
I had never heard of them.
Thanks for the warning Sarge!!
This is great information, Gents!!
I had never heard of them.
Thanks for the warning Sarge!!
They're used mostly by rock crawlers to ensure the truck doesn't go anywhere... And tow trucks when winching. They're not legal as emergency brakes, but one on each end will hold the truck much better than the 6" drum on the T-Case.
I've had the truck start to roll back even with the E-Brake set on a steep grade, and the piece of mind of also having four calipers clamped down as well would be worth the cost. They used to cost a lot more... For $30ish an end, I'll be adding them to the list.
@Racer65 needs to add some metric ones to his store at a reasonable price. Or I'll just have to figure them out on my own. I can think of a few ways they'd come in handy... At the best of times, the stock E-Brake is marginal and easily overpowered. I've been on a steep slope, with a trailer hitched up, putting it in low range, setting the stock E-Brake, and shutting off the motor... Hoping & praying the truck wouldn't start creeping forward...
The instruction says step down on the brakes and then push the button on the lock. How do you reach this thing from inside the cabin?
OK, just found an old thread to answer my own question:
How to plumb a manual line lock inside a rig?
How to plumb a manual line lock inside a rig?
I tried to get a policy with them for mine.
I didn't check the off road box....because I have no desire to.
I received a phone call to say that my application was being denied. ...when questioned about the rep said that they noticed that the vehicle was 4wheel drive.
I told themthat indeed it is. The response was that it might be used off road....my response was something to the point of only doing so in the event of a zombie apocalypse....I didn't get a policy.
I had an old chevy truck with a hill holder in it - but it worked via a cable to a valve on the brake line. I've never seen one since, all that is out there is those chinese valves... I have one, I didn't install it because I frankly don't trust it.
As for line locks letting go, I can see it - my line lock leaks... though with that said, the should hold if the other circuit is the one with a leak in it.
And to be a bit pedantic, unless you have a line lock on both front and rear lines, it will only lock 1/2 the wheels. If you're in 4wd, then sure, it'll lock at least one more wheel... but I get your point, and it's valid.... just don't want Mace coming in here and pointing out I missed the caveat
