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4x4 Insurance

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For the Best 4x4 Car Insurance

They may be facing high road tax charges, but you’ll still see plenty of 4x4 vehicles driving around city streets and driveways. Many drivers swear by the safety of these tank-like motors, as well as the space it gives them when dropping the kids off at school or going on a family day out with the dogs on board.

Others use for them towing caravans, horse boxes or trailers in general. In other words, for some drivers having a 4x4 is essential. But what about their upkeep and insurance, in particular?

If you’re a new 4x4 driver, you’ll find the insurance is much more than you’ll have paid for your standard car in the. In the meantime, though, there are various types of insurance 4x4 car drivers can take out, such as:

Different 4x4 insurance policies

Car insurance: This is for your standard 4x4 car i.e. a car you drive around the town.

Van insurance: If you’re using your 4x4 commercially i.e. as a pick-up truck etc, then you’ll probably need this.

Off-road insurance: This allows a 4x4 driver to access rougher terrain, but to take part in an off-road competition you’ll have to take out specialist insurance.

Greenlane cover: This allows drivers of 4x4 vehicles to drive on the bridleway and country lanes – the type of unclassified routes that wouldn’t usually be covered by insurance.

Modified 4x4 insurance: If your 4x4 car insurance policy doesn’t cover modifications, then you’ll need to take this out as an extra.

Agreed value policy: If your vehicle is written off and you’d spent a fortune on it, then you’ll get what the vehicle is worth, rather than the market value.

Towing insurance policy: Many 4x4 car owners use their motor for towing, thanks to the fact it’s so large and tough.

Tips on getting the cheapest 4x4 car insurance

  • Whether it is a Jeep, Land Rover, Mitsubishi Shoguns, Ford 4x4, Range Rover, or BMW X5, always shop around and compare various quotes. You may be surprised how much they vary!
  • Keep your No Claims Bonus clean. That way you’ll get a higher discount and lower insurance.
  • Keep the vehicle in a garage overnight – or at least in your driveway. Parking it on the roadside will prove expensive because it’s more likely to get damaged or stolen.
  • If you think you can afford it in the event of an accident then increase your voluntary excess. This will help bring down your monthly or annual premiums.
  • Avoid modifying your 4x4. Even a tow bar which wasn’t on the vehicle when you got it will affect your premiums because it’s not considered ‘factory standard.’
  • Aim for as little mileage as possible. Insurance companies interpret this as a slimmer chance of your being an accident.
  • It can help to be a member of a specific 4x4 car; you may be eligible for a discount.

4x4 insurance FAQs

Q – Are 4x4 motors more expensive to insure than other vehicles?

A – Yes, because they belong to what is described as a ‘higher insurance group.’ The reason for this is their weight. Your standard 4×4 is much bigger and heavier than the average car and is, therefore, more likely to cause damage. Parts can also prove expensive to replace.

Q – I was under the impression that all 4x4 cars would be insured for towing under a general policy. Isn’t this the case?

A – It’s a common misconception since this type of vehicle is regularly used to tow trailers, caravans etc. But you’re right, it’s not necessarily the case. Some insurance policies don’t even have it as an added extra. So again – a thorough reading of the small print is necessary.

Q – I don’t use my 4x4 vehicle that often – just at the occasional weekend and holidays. Do I still need to take out a full insurance policy for it?

A – Yes, unless you notify DVLC you’ve taken it off the road, by filling in a Statutory Off-Road Notification (SORN).

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