Compare 4x4 car insurance with GoCompare and get the right cover for your off-roader
The description ‘4x4’ covers a broad range of vehicles and many people will just need standard car insurance. But depending on how you use your car, you might need specialist cover.
Your insurance needs will be very different if you have an off-road 4x4 than if you drive a roadgoing SUV, for example.
What’s more, some 4x4 vehicles will need a car insurance policy, while others (including pick-ups) will be classed as commercial vehicles and will require van insurance.
It’s important to shop around for insurance that gives you the right cover and suits your budget when you first take out a policy and every time you renew.
If you’re a member of an owners’ club or another dedicated 4x4 group, you could get an insurance discount.
A green lane, a Byway Open to All Traffic (BOAT) or an Unclassified Road (UCR) are just different names for a byway, which is an unpaved rural road. If you want to drive your 4x4 on them, you’ll need greenlane cover.
Your green lane policy should cover you for non-competitive driving along byways that are open to all traffic. But read your policy carefully for any exclusions.
Take care with restricted byways, as these don't allow motorised vehicular access and would almost certainly be excluded from your cover.
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Comprehensive insurance is the most wide-ranging cover you can get for your vehicle.
It covers the costs of repair, replacement, medical treatment or third party claims in the event of fire, theft or a traffic accident.
Third party, fire and theft (TPFT) will cover you for damage or injury to third parties, as well as cover for your vehicle if it’s stolen or damaged by fire.
You won’t be covered if your vehicle is written off or damaged as a result of your driving.
Third party only (TPO) is the minimum insurance level required by law.
With TPO insurance, you won’t be covered for damage to your own vehicle or damage by fire or theft. You’ll also have to pay your own medical costs.
The AA does more than just car insurance.
You should be able to find cover for off-road use easily. Make sure you check your policy’s terms and conditions though, as some will exclude off-roading.
If you intend to enter competitions, you’re likely to need specialist insurance.
A 4x4 owners’ club might be able to help you with this, or you could try a specialist broker.
If you use your 4x4 for towing trailers and caravans, keep in mind that not all insurance policies will include cover as a standard feature, or even as an optional extra.
If a policy does, check exclusions for the size and weight of vehicle you intend to tow.
Insurers consider a tow bar a modification so check with your provider whether you need to declare that you have a tow bar fitted before towing.
If you’ve lavished time and money on your 4x4 - modifying it or adding high-specification parts - consider an agreed value policy.
This is suitable for a 4x4 that’s worth more than most vehicles of its type and age as - in the event of a total loss - a policy can pay out a pre-agreed sum rather than the market value.
It’s worth considering if your 4x4 is a classic too.
You’re likely to pay more for an agreed value policy and you’ll need to provide additional evidence about your 4x4. For example, it’s condition and value.
Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.