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Finding the right 4x4 insurance for you
When it comes to finding the right 4x4 insurance policy, what matters most is how you intend to use your vehicle.
Although traditionally driven almost exclusively by farmers and those living in rural areas, 4x4s have a much broader appeal today.
From classic 4x4s from Jeep and Land Rover to family-friendly SUVs from Ford and Toyota, you’re now probably just as likely to see a 4x4 on the school run as you are driving along a rutted countryside lane.
If you’re sticking to paved roads, then a standard car insurance policy could be enough cover for your 4x4. But if you’re planning on taking your 4x4 off-roading or green-laning, then you’ll either need extra cover or a specialist policy.
It's also worth bearing in mind that some 4x4s, for example single cab pickups, may be officially classed as light commercial vehicles (LCVs).
It depends on what your 4x4 was designed to do. And if yours is an LCV, you’ll need van insurance rather than car insurance.
What our expert says...
“4x4s can be expensive to insure because heavier vehicles typically attract higher premiums. Although 4x4s are less likely to sustain damage in an accident, they’re more likely to cause damage to smaller vehicles due to their size and weight."