City and urban driving means driving a vehicle along good quality roads. When a car is driven along good roads with road markings and proper signs, there is very little chance of an accident or a breakdown. Cars driven off-road and on bad roads are likely to break down and require towing. Off-road driving can be hazardous to the vehicle especially if driven in rocky terrain and country roads.. This increases risks of damage hence it is much easier to insure roads driven within city precincts.
