There is no specific product called 4×4 insurance. However, you may find some insurance specialists offer car insurance that suit four-wheel drive vehicles.
Car insurance can cover your 4WD for things like damage to other vehicles and property, fire damage, theft, and potentially damage inflicted while you’re four-wheel driving off-road.
This type of coverage will differ between providers and is generally only offered for vehicles that are purpose built for off-roading. It’s important to read your product disclosure statement (PDS) or contact your insurer to make sure you’re covered for off-road four-wheel driving.
All cars need some level of insurance, and your 4×4 is no different. The questions you should ask are what type of car insurance does your 4×4 need and what do 4WD insurance options cover?
If you use your 4WD for hauling the kids to school and weekend sports, and you don’t intend to take it for an off-road adventure, then a standard policy should be enough to adequately cover your car.
However, if you do take your 4×4 off-road, you may find that your provider won’t cover you when travelling on non-gazetted (unmarked on a map) roads. It’s not all bad news, though, there are insurance policies in the market that cover for off-roading. These policies may include cover for:
Be aware that cover for these sorts of 4×4-related benefits differ between providers. If this is the coverage you need, make sure you read the policy’s Product Disclosure Statement (PDS) before purchasing to ensure you understand how your vehicle is covered.
If you intend to take your 4×4 off-road, some things you should look for when purchasing insurance for 4×4 vehicles include:
If you are looking at comparing 4WD insurance options, you should always read the PDS as it outlines exactly what you are and aren’t covered for.
Providers determine the cost of your car insurance using a whole range of factors. Some factors that will influence the cost of insurance for your 4WD include:
If you’d like to know how much it may potentially cost to insure your vehicle, you can use our car insurance comparison service to get a quote.
If you’re covering your 4×4 with car insurance, providers may offer optional extras on policies. These may vary across the car insurance industry, but some common optional extras include:
If you’re looking for 4×4 insurance, you can purchase car insurance that covers your 4×4 from most car insurance providers. However, if you’re taking your 4WD off-road, you’ll need to make sure the insurance option you choose covers you for off-road four-wheel driving.
Comparing your options is a great way to potentially find a better deal on car insurance. By comparing your options with our service, you can easily view the features and prices of a range of policies. Our service is also fast and completely free to use!