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4x4 Insurance - Compare Prices for your SUV with MoneyMaxim

Specialised Insurance for 4x4 owners

Compare 4x4 Insurance

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 4x4s especially when it's used for off-roading (which is after all what they are designed for!). Click on the green Get a Quote button above and you can be on your way!

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 they are passed on to a panel of expert partner firms who specialise in this field. 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 participating in off road events, we have a panel of specialist partners who will find you a great range of competitive 4x4 insurance quotations.

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 choose 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 separate 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 a normal comparison service for 4x4 owners as often we find specialist insurers a better option. Instead, your enquiry is reviewed and passed to a small number of 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 there are specialists in 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. The insurers you will be dealing with 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 service is operated on our behalf by Seopa Limited.

This content was last reviewed on 09/10/2023