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.
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