4×4 Car Insurance
Great deals on 4×4 Car Insurance for UK drivers with HomeApproved. Access all the top niche, specialist and mainstream four wheel drive vehicle insurers.
Click through on the ‘Get a Quote’ button above to compare 4×4 car insurance quotes from over 100 of the leading UK motor insurers, and obtain the most suitable cover and protection you require. The Quotezone click and compare service is entirely free to use. It is a totally independent and impartial insurance comparison site, already helping over 1 million drivers across the UK to get the best deal.
4×4 Car Insurance FAQs
1. Do I need specialist insurance for a 4×4, or will a standard car insurance policy cover it?
Answer: You may be able to insure your 4×4 under a standard car insurance policy if it is used much like a standard road-car (on roads, no major modifications, no serious off-road use). However, many 4×4 vehicles carry higher risk (higher value, more expensive parts, potential off-road use) so they often cost more to insure. If you take your 4×4 off the beaten track (green-lanes, off-road) or have major mods, you’ll need a specialist policy designed for that use.
2. Why is 4×4 insurance often more expensive than for a regular car?
Answer: There are several reasons: 4×4 vehicles tend to be in higher insurance groups (due to cost, performance, repair/replacement value) which drives up premiums. They may be used off-road or in tougher terrain (increasing risk of damage). The cost of theft, repair or replacement parts is higher for many 4×4 models. If the vehicle has been modified (bigger tyres, lifts, winches, snorkels etc), that adds risk and cost. So you shouldn’t be surprised if the premium is significantly above what you’d pay for a standard hatch or saloon.
3. If I want to drive my 4×4 off road (e.g., green-lanes, rough tracks), is that covered?
Answer: Not always. A standard car insurance policy normally covers you for driving on public roads under the agreed uses in the policy. Driving off-road or on unsurfaced tracks (“green-laning”) or in unclassified terrain often falls outside that cover unless it is explicitly included. If you intend to do that kind of driving, you’ll need a specialist 4×4 / off-road policy that covers those uses.
Tip: When asking for a quote, mention exactly how and where you’ll use the vehicle (road only, green laning, genuine off-road, business use etc).
4. What about modifications to my 4×4 – do I have to declare them?
Answer: Yes — absolutely declare any modifications. Insurers expect you to tell them if your 4×4 has modifications (e.g., lifted suspension, bigger tyres, winch, snorkel, roll-bars) because these change the risk profile (cost of repairs, change of use, theft risk). If you fail to declare modifications and then make a claim, your insurer may reject the claim or void your policy. So: keep a detailed list of modifications and talk to an insurer who covers modified 4×4s if needed.
5. How can I reduce the cost of insuring my 4×4?
Answer: There are several strategies: Choose a 4×4 that is in a lower insurance group (smaller engine, less performance-oriented). Keep your annual mileage low (insurers tend to favour lower mileage). Keep your vehicle securely parked (garage or secure driveway) and fit good security (alarms, immobilisers) as 4×4s attract theft risk. Shop around and compare specialist 4×4 insurers (sometimes better value than mainstream ones). Consider increasing your voluntary excess (if you can afford a higher out-of-pocket cost). Whether your vehicle is xMOD, modified, imported or Q-plated you will be able to obtain competitive comparison quotes and low premium offers from both mainstream providers and specialist motor brokers and intermediaries.
Drivers of the latest Range Rover, Land Rover Discovery TD4, Toyota Land Cruiser, BMW X5, Audi Q7, Mercedes ML, Mitsubishi Shogun 4x4s through to old favourites can obtain the most suitable policy.
Through Homeapproved you can access UK 4×4 car insurance insurers specialising in providing cover for commercials, off-roaders and also competitive quotes for drivers with adverse driving records including previous claims and convictions.
Off-road car insurance tailored to your exact needs. Obtain the level of cover and protection you need. Incorporating build cover, greenlaning, show cover, agreed values, payments by direct debit, and cover for multiple vehicles. You can be confident there will be a policy and cover level to suit your needs.
Drivers purchasing their first 4×4 vehicle are often struck as to how much more the premiums are compared to a hatchback or saloon. Whilst the benefits of safety, added space and reliability are high up on the motorists list of priorities – double digit increases in motor insurance premiums are most definitely not! Why is this? The answer is mainly due to the fact that many 4×4’s will fall into a higher car insurance group. However, in addition how you may use the vehicle also plays a part (i.e. off-road use).