How to... pack for off-roading



As off-roading adventures accumulate, so will the requirements for equipment. In this article I'd like to share what I carry, and why. In two plastic crates I always keep in the back of the vehicle, in no particular order, I have: three tow ropes - a flexible 24mm-thick, 10m-long ship-mooring strap for recoveries where a hard pull is required, such as bouncing a stuck car out of a tight bowl; a 10m-long flat static tow strap for regular tugs; and a short 3m-long flat tow strap for when there is no room to pull properly. These can be combined to a massive 23m. If a hook is not installed on the vehicle, two rated metal shackles to attach the ropes to the tow points. I should probably add a pair for spares, but having a rated shackle in the first place has meant they have not broken yet. A rated shackle has the maximum load rating in tonnes stamped into the metal.

A light-weight aluminium shovel, and a foldable camping shovel, for when digging with hands is not enough. Quite frankly, these are rarely used, as removing a few scoopfuls of sand with hands from behind the stuck tyre is usually enough to get the car moving again. However, they are useful when camping. Spare radiator, transmission and brake fluids and a canister of motor oil, in conjunction with a tool kit, radiator leak powder, tyre repair kit, fuel syphon hose, a few pipe clips and ratchet straps - and, of course, the ubiquitous duct tape - are available for any small mechanical repairs, where the objective is to at least limp back to civilisation.

A first-aid kit and fire extinguisher are both essential, though the fire extinguisher is mounted in the cab for ease of access and not in the boot. A two-cylinder air compressor, with battery clips is required to re-inflate the tyres, and to re-fit a popped tyre that has come off the rim, as well as a large wooden jacking board, for when the car jack would sink into the sand instead of lifting the car.

A neon work light, also with battery clips, is useful in the dark; and battery jump cables in case the battery runs down. I also carry a powerful hand-held searchlight that plugs into a 12V socket. Inside the car I store a knife, tyre pressure gauge, toilet paper, a small crowbar and my GPS unit and mobile phone, with chargers. Every trip I add a box or two of 12 1.5L water bottles, in addition to the amount of drinking water I expect to consume. And if I'm going solo, something I would advise you not to do, I throw in two fibreglass sand ladders, which are useful to extricate a stuck car single-handed.

Adding the family's camping kit, food, toys and firewood, and perhaps an extra jerry can of petrol and another of washing water, and I usually fill the cargo area to the brim. No matter how much equipment I carry, from my experience, the most valuable piece of kit is the driver's own judgment in keeping safe and driving intelligently. In 10 years of off-roading in the region, I am yet to roll or experience a popped tyre, and I've never been stranded despite driving older vehicles. I put this down to careful preparation, having the right equipment, and due care in navigating the terrain.

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The Rub of Time: Bellow, Nabokov, Hitchens, Travolta, Trump and Other Pieces 1986-2016
Martin Amis,
Jonathan Cape

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GOLF’S RAHMBO

- 5 wins in 22 months as pro
- Three wins in past 10 starts
- 45 pro starts worldwide: 5 wins, 17 top 5s
- Ranked 551th in world on debut, now No 4 (was No 2 earlier this year)
- 5th player in last 30 years to win 3 European Tour and 2 PGA Tour titles before age 24 (Woods, Garcia, McIlroy, Spieth)

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The specs

  Engine: 2-litre or 3-litre 4Motion all-wheel-drive Power: 250Nm (2-litre); 340 (3-litre) Torque: 450Nm Transmission: 8-speed automatic Starting price: From Dh212,000 On sale: Now

Moon Music

Artist: Coldplay

Label: Parlophone/Atlantic

Number of tracks: 10

Rating: 3/5

What are the GCSE grade equivalents?
 
  • Grade 9 = above an A*
  • Grade 8 = between grades A* and A
  • Grade 7 = grade A
  • Grade 6 = just above a grade B
  • Grade 5 = between grades B and C
  • Grade 4 = grade C
  • Grade 3 = between grades D and E
  • Grade 2 = between grades E and F
  • Grade 1 = between grades F and G

Russia's Muslim Heartlands

Dominic Rubin, Oxford

COMPANY PROFILE
Name: ARDH Collective
Based: Dubai
Founders: Alhaan Ahmed, Alyina Ahmed and Maximo Tettamanzi
Sector: Sustainability
Total funding: Self funded
Number of employees: 4
COMPANY PROFILE
Name: Airev
Started: September 2023
Founder: Muhammad Khalid
Based: Abu Dhabi
Sector: Generative AI
Initial investment: Undisclosed
Investment stage: Series A
Investors: Core42
Current number of staff: 47
 
Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

Springtime in a Broken Mirror,
Mario Benedetti, Penguin Modern Classics

 

Joker: Folie a Deux

Starring: Joaquin Phoenix, Lady Gaga, Brendan Gleeson

Director: Todd Phillips 

Rating: 2/5

SPECS

Engine: 4-litre V8 twin-turbo
Power: 630hp
Torque: 850Nm
Transmission: 8-speed Tiptronic automatic
Price: From Dh599,000
On sale: Now


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