4X4 Car Insurance

Helpful information on how to find 4x4 car insurance at the best rates

4X4 cars come in many guises, from the classic agricultural and much loved Series 1 Land Rover vintage 1948 to the Shogun, Land Cruiser and Hummer of today, not forgetting the myriad of ex-military vehicles and specials that find their way onto our roads in the hands of enthusiasts. As you will probably know if you are reading these pages, four wheel drive vehicles are a specialist market when it comes to 4x4 car insurance.

What about 4x4 car insurance?

Most main stream car insurance companies will provide you with a quote if you own an unmodified production model 4x4 and use it as your main social, domestic and commuting vehicle. It is true that some companies are more forgiving than others when it comes to assessing four wheel drive applications so it would be worth while getting some help selecting insurance for 4x4 cars.

But if you use your 4X4 off-road or for rallies and shows, to get the cheapest car insurance, you would benefit from obtaining a bespoke quote from a specialist broker that has expertise in this niche area. Individually crafted 4x4 insurance quotes may include discounts for membership of an owner’s club or for agreed limited mileage. Cover can be arranged for use on green lanes and off-road driving whether private, business or for competition purposes. For non-standard, Q-plated, ex-military and kit 4x4s agreed valuations are a consideration, saving a wrangle if it ever comes to a claim.

The better connected four wheel drive specialist broker will have exclusive deals with niche insurers, usually at Lloyds, that understand that owning a treasured 4x4 isn’t a fad but a way of life and the owner is likely to take extra special care of their pride and joy that has probably cost an arm and a leg in both cash and effort.