Specialised Insurance for 4x4 owners
4x4 owners often find they have limited choice when it comes to insurers who are willing to cover their vehicle. General insurers often steer clear of insuring 4x4's especially when its used for off roading.
It's a specialist area as different 4x4 drivers use their vehicles for very different purposes. It is understandable that insurance might be higher for someone who wants to use their 4x4 for off road sports, but those questions just don't get asked on straightforward comparison sites. We therefore collect a few details from you, and then pass them to our specialist partner firms who specialise in this arena. They will then contact you to tailor insurance to your requirements.
Contrary to popular belief this does not mean premiums need to be higher though, as these insurers are aware that specialist vehicles attract drivers who take better care of their 4x4s and know how to use them!
It doesn't matter whether you are driving your 4x4 round Chelsea, using it on your farm or participate in off road events our specialists will find you a great range of competitive 4x4 insurance quotations.
In some areas we work with carefully selected partners who we have rigorously vetted to ensure they meet the exacting standards we aim to offer our customers. In this arena we have a longstanding relationship with Quotezone who provide insurance comparisons on our behalf.
The above comparison service above is provided by Quotezone, which is a trading style of Seopa Ltd, who are authorised and regulated by the Financial Services Authority . Check this out at www.fsa.gov.uk/register/ under reference 313860.
Quotezone send your input data (plus some assumed generic answers the system makes), to brokers and insurers who will contact you with quote illustrations. On contact with that broker/insurer do check the details and amend any assumed generic answers that are not right for you.
For general assistance or queries or any other services offered through Moneymaxim please contact 0800 520 0699 or 01183 218197 (option 3). Feedback or complaints relating to the comparison process should be addressed to firstname.lastname@example.org whilst any problems with quotes, cover or purchases should be taken up with the providing broker/insurer (please supply the reference numbers provided).
What to consider when hunting down the best 4x4 Insurance
Some features of 4x4 insurance to consider are the following:
» Has your 4x4 been modified in any way? If so specialist 4x4 insurers will be able to help. Please remember even off road or winter tyres are considered a modification unless fitted as standard.
» Will you need a replacement 4x4 rather than a normal vehicle as a Courtesy Car in the case of a claim?
» Do you want to be able to chose where repairs will be carried out?
» Will you get an agreed value for your 4x4? (if not consider gap insurance)
» Do you need to be able to allow drivers of any age to drive your 4x4?
» Is business use required?
» If you are only to drive your 4x4 a limited number of miles ensure you advise your insurance company - discounts often apply.
» Will you require cover to attend static rallies or shows?
» Will your 4x4 insurance be required to cover dune bashing, greenlaning, mud bogging, rock crawling, competitive trails or RTV (Road Taxed Vehicle) trials?
» Is 4x4 breakdown insurance, with or without a European option required?(consider seperate breakdown insurance which is often considerably cheaper)
» Is there a liability cover requirement for trailers and caravans whilst they are attached to your vehicle?
We do not offer our normal comparison service for 4x4 owners as often we find specialist insurers a better option. Instead we pass your enquiry to our specialist brokers who love insuring every type of 4x4 from Range Rovers to Land Rover 88 or Land Rover 90, Defender, Discovery and Freelander models. Also specialists on Japanese and Korean 4x4s such as the Mitsubishi Shogun, Nissan Navara, Isuzu Trooper and Toyota Landcruiser 4x4 and American models such as the Chrysler Jeep. Our insurers are experts in their field and know both what 4x4 drivers are likely to want and the companies most likely to suit them - get cheap 4x4 insurance quotes fast with moneymaxim and our partners.
* Please remember that policy benefits, features and discounts offered may differ between insurance schemes, policies or on the basis of the cover selected and are subject to underwriting criteria.
This information is based on journalistic investigation and research. It is not financial or definitive advice. Any information should be considered in regard to specific circumstances. Any suggestions followed up are done so at your own risk and your own research is key.
Other 4x4 Insurance Options
4x4 Insurance Brokers with a flexible approach
Young drivers quotes, no upper age limit on drivers
All Accident and Conviction Histories Welcome
Whatever you want to use your 4x4 for we can help
Call 0800 181 4542 now (best quotes obtained by phone)