While there is no specific product called 4×4 insurance in Australia, you may find some insurance specialists offer car insurance that suits your four-wheel drive (4WD) 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.
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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 taking the kids to school and weekend sports, and you don’t intend to take it for an off-road adventure, then a standard policy without all the bells and whistles (such as extra cover for modifications) should be enough to cover your car adequately.
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. Also, car insurance doesn’t cover mechanical failure – just the items listed on the policy. This can be an issue as off-road driving in your 4WD could lead to mechanical failure.
It’s not all bad news, though. There are insurance policies in the market that cover listed events (such as storm damage, fire, theft and third-party property damage) that happen when off-roading. These policies may include cover for:
Be aware that cover for these sorts of 4×4-related benefits differ between providers. Some might offer off-road recovery cover in a roadside assistance policy that’s an additional add-on or separate standalone policy. 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.
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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.
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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 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:
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If you’re looking for 4×4 insurance, you can purchase a car insurance policy 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!
The right level of cover for your off-road vehicle will depend on how you use the car and what you’re looking for from a car insurance policy. The key difference between comprehensive car insurance and other levels of cover is that comprehensive typically covers damage to your vehicle from collisions, while other policies only cover damage you cause to others in an accident.
Comprehensive car insurance may provide access to optional extras like a hire car while your vehicle is being repaired. However, it’s crucial to check each policy to see what specific off-road activities are covered, as this level of car insurance might not be the right one for you.
When reviewing your insurance options through Compare the Market, you’ll be able to view the Product Disclosure Statement PDS for details on what your car insurance policy includes.
Car insurance may have several exclusions that could affect your 4WD vehicle. Exclusions can vary but typically include:
A car insurance policy for your 4WD probably won’t cover your camper trailer or caravan, though a few insurance providers do offer a bit of coverage for trailers. Some insurers offer specialised insurance products for camper trailers and caravans (often called caravan insurance) to cover related damages and financial loss.
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