What is 4×4 insurance?
Our specialist 4×4 insurance is designed to cover multi-terrain vehicles. Whilst a regular car insurance policy might work for standard vehicles, 4x4s often need specialist insurance that cover them where regular policies do not, including for off roading and green laning. We can also cover non-standard 4x4s, such as imported or classic models.
Why choose Adrian Flux for 4WD insurance?
Here, at Adrian Flux we are experts in 4WD insurance for all types of vehicles. Whether you own an ex-MOD Land Rover, an imported Pajero, a pick-up truck, a modified AWD, a Q-plated car, a kit 4×4, a classic off-roader, an SUV, or a luxury model, we can help.
Plus, green-laning and off-roading are included as standard on most policies.
Get a 4×4 Insurance & Off-Road Insurance Quote
Tailored insurance for your four-wheel drive
Having been in the industry for [[ FLUX_EXPERIENCE ]], we don’t believe in a one-size-fits-all four-wheel-drive policy. That’s why all our policies are designed to suit your individual needs.
We offer flexible and competitive quotes for most circumstances, sourcing the best available scheme from amongst the many offered by our panel of over [[ FLUX_INSURERS ]] insurers.
Why waste your time ringing round dozens of companies when we can do it for you? We compare quotes so you don’t have to.
Extra Benefits
Agreed Value
Agreed Value Car Insurance
Owning a car that you really care about makes it all the more important to get proper compensation should you need to make an insurance claim. Our agreed value car insurance is a great way of tailoring your insurance to you.
A wide range of vehicles, from classics and performance cars to modified cars and imports, would benefit from guaranteed value car insurance. Phone us now to see if your car is one of them.
Excess Protect
Excess Protect
Even though having the right insurance can save you money when you need to claim, your policy excess could still run into hundreds of pounds.
Our excess protect policies will pay your excess for you, up to an annual limit, if you need to make a claim on your policy – saving you money.
The amount of excess you have to pay depends on your policy and can be found on your policy documents. If you opted for a voluntary excess this is an extra amount on top of your compulsory excess, which can bring your premiums down, but is payable on top of your compulsory excess when you make a claim.
We offer excess protect cover at different levels to suit your policy. Speak to a member of our team to find out more and to add it to your policy.
Breakdown
Flux Rescue Breakdown Cover
Get comprehensive breakdown cover from just 70.00 a year that offers 24 hour UK and EU roadside assistance and recovery, 365 days of the year.
With cover provided for breakdown and recovery, transport to your home, destination of choice, or a garage for you and five passengers, emergency accommodation expenses, home start service, and breakdown cover for your caravan or trailer too, you can get fantastic protection without breaking the bank.
Our breakdown helplines are open 24 hours a day, 365 days of the year, and we have a network of more than 1,800 breakdown experts across Europe, so you’re only ever one phone call away from help.
Keycare
Keycare Insurance
If you’ve ever lost your keys, you’ll know that it’s no laughing matter, and can in fact end up costing you a lot of money in locksmith fees.
For just 23.00 a year, our five-star Keycare insurance policy will cover locksmith expenses, replacement locks and keys, car immobiliser replacement costs, car hire costs, and transport costs if you’re stranded, up to a value of £1,500.
We’ll pay out if your keys are stolen, locked inside your home or vehicle, or lost for 48 hours. Better yet, your keys are protected regardless of your location; we now cover keys worldwide.
For more information and to add Keycare to your policy, speak to a member of our team today.
Misfuel
Misfuelling Insurance Cover
A staggering 400 people every day put the wrong fuel in their car – that’s 150,000 people every year!
The damage caused by filling your car or van up with the wrong fuel can be catastrophic, and lead to hundreds, if not thousands, of pounds worth of repairs being carried out.
With misfuel cover, as long as you’ve realised your error before driving away we’ll cover draining the fuel from your car, tow you to a garage if we can’t help at the pump, and provide £10 of fuel to get you on your way again.
Spare Parts
Spare Car Parts Insurance
Whether you own spares for your kit car or are in the process of modifying your day-to-day motor, are collecting parts for a future mod or have just got a few old spares lying around, your standard insurance policies could be leaving your vehicle spare parts dangerously unprotected.
Sadly, most household insurance policies exclude cars and their unattached parts, and even those that do offer cover could end up costing you dearly with high excesses and the premium rises after a claim.
But, with Adrian Flux’s Spare Parts Insurance, you can get cover for storing thousands of pounds worth of spares at home or in your car from as little as 15.00.
Get a 4×4 Insurance & Off-Road Insurance Quote
What does 4×4 insurance include?
Our 4×4 insurance policies can be tailored to your needs, meaning they can include a number of different extra benefits if required. This includes:
- Green-laning cover
- Off-roading cover
- Protected NCB
- Breakdown cover
- Agreed value cover
Which 4x4s can you cover?
- Classics, modern and modified 4x4s
- Grey imports
- US and EU imports
- Left-hand drive models
- Modified vehicles
- Ex-military vehicles
- Q-plated vehicles
- Special Land Rover insurance
- Special Jeep insurance
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
How can I reduce the cost of my 4×4 insurance?
Our policies for most 4×4 drivers are already inexpensive, but you could save yourself even more money if you follow our simple tips.
Will you only drive a few thousand miles a year? Tell us so we can get you onto a limited mileage policy.
Keep your car garaged if you can, and install the best alarm system you can afford. This will help prevent your vehicle from being stolen or vandalised.
Modified pickup or off-roader? Make sure you tell us about all modifications, even if they don’t enhance performance. Some modifications might even reduce your premiums!
Are you in an owners club or online forum? If not consider joining one. There are several great clubs for all the main models, as well as more general off-roading sites. You could get an extra discount of up to 15%.
Will you only drive a few thousand miles a year? Tell us so we can get you onto a limited mileage policy.
Keep your car garaged if you can, and install the best alarm system you can afford. This will help prevent your vehicle from being stolen or vandalised.
Modified pickup or off-roader? Make sure you tell us about all modifications, even if they don’t enhance performance. Some modifications might even reduce your premiums!
Are you in an owners club or online forum? If not consider joining one. There are several great clubs for all the main models, as well as more general off-roading sites. You could get an extra discount of up to 15%.
FAQs
What’s the difference between green laning and off-road cover?
Green laning are similar to normal roads in all ways except they’re unpaved. As a result, you need the minimal level of cover offered by your insurer to drive on green lanes. On the other hand, off-roading involves driving over rough terrain without any green lanes or roads.
Both activities carry their own risks, but for the most part, 4x4s are ideally suited to off-roading as all four wheels are powered. This means they can navigate rough terrain more easily.
Does having a 4×4 increase insurance?
Four-wheel drives tend to be in insurance groups on the higher end of the scale. This is because of their size, weight, and power.
As a result, you will generally have to pay higher insurance premiums to account for this. However, following the above steps or opting for a 4×4 in a lower insurance group can help you save money.
Can I get 4WD insurance as a young driver?
Yes, we offer 4×4 insurance for young drivers. If you’re 17 or 18 and have decided to buy a 4WD, we know that you’re enthusiastic about 4x4s, off-roading or green laning and therefore more likely to treat your vehicle with the care and attention it deserves. That’s why we offer affordable 4×4 insurance for young drivers, with black box insurance policies available that can reduce your renewal premiums by up to 60% with safe driving.
What is the most affordable 4×4 to insure?
There are a number of 4x4s that are relatively affordable to insure. This includes the Suzuki Jimny, Fiat Panda 4×4, and more. You might also want to consider getting a classic 4×4 as classic vehicle insurance is often more affordable. Plus, we can offer discounts for limited mileage policies, car club memberships, and more.
The cost of your insurance premiums will also depend on other factors, including information about yourself, such as your driving history, accrued no claims bonus, how you’ll be using your 4×4, and your location. Whatever your circumstances, we’re usually able to secure affordable cover, especially for 4×4 owners. Call us for a fast and affordable quote.
What insurance groups are 4x4s found in?
4WDs are often found in higher insurance groups than most other cars as they are often more highly powered in order to perform on rougher off-road terrain. That being said, there are some 4x4s in low insurance groups, such as the Fiat Panda 4×4, which is found in groups between 7-10, or the Suzuki Jimni, which is found in insurance groups between 13-15. To compare, the Defender is often placed in insurance groups between 30-48.
Can I get classic 4×4 insurance?
Yes, as a specialist insurance broker, we’re well-equipped to find you affordable insurance for your classic 4×4. Having helped to get classic car owners a great deal on insurance for their old car for [[ FLUX_EXPERIENCE ]], we offer cover that can be tailored to your needs.
Can I get modified 4×4 car insurance in the UK?
Yes, we offer modified 4×4 insurance for all types of modications, including those that are used to enhance your off-roading experience. Whether you’ve added roll cages, spoilers or snorkels, or you’ve undertaken a full LPG conversion, we can offer like-for-like cover on modifications. Speak to us for more information.
What are the most popular 4x4s?
The 4×4 you choose completely depends on your preferences and how you’ll use the vehicle. For instance, you might be more drawn to a classic 4×4 like the 1990s Land Rover Discovery, 1970s Suzuki Jimny, or a 1960s Toyota Land Cruiser. Alternatively, you might be more drawn to a modified Jeep Wrangler or a more modern 4×4.
Do I need a full insurance policy if I only use my 4×4 occasionally?
Yes, you will still need insurance even if you only use your 4×4 occasionally. However, there are a couple of options available if you don’t use your vehicle all year around.
You might want to consider taking out short-term car insurance for your 4×4 and then laid-up or SORN car insurance when it’s not in use. You’ll need to SORN your 4×4 when it’s not being used if you do decide to go down this route.
Alternatively, let us know if you don’t use your vehicle often as we have limited mileage schemes available on annual policies. These are often more affordable than standard policies.
Does 4×4 insurance cover towing?
In most cases, you don’t need additional cover to tow another vehicle, trailer or caravan. However, if you’re towing another vehicle, you’ll need to ensure that the vehicle you’re towing has adequate insurance while it’s in transit.
If you’re towing a trailer or caravan, your 4×4 insurance will likely cover the trailer or caravan while it’s in transit and being towed. Make sure to check your policy to ensure you are covered for this eventuality. Even if you are, you might want to consider additional trailer or caravan insurance to cover your contents or any damage caused by a collision, which isn’t usually covered by your motor insurance.
Find out more information in our blog: Do I need insurance when towing another vehicle?
Is insurance more expensive for classic 4x4 vehicles?
Not necessarily. We offer competitive rates for classic 4×4 insurance, with agreed-value options and discounts for limited mileage or club memberships. Call us to get a tailored quote that suits your specific needs.