4x4 Car Insurance

The 4x4 car insurance directory aims to highlight companies or brands who offer 4x4 insurance policies to the public. Included within each UK company listing are details of product features and benefits currently being offered.

Alternatively, read our information guide below, or our UK car insurance guide pages, and find out all you need to know before getting a competitive quote online.

4x4 Car Insurance Guide

Over the last 20 years 4x4 vehicles have become very popular. Gone are the days when only farmers or country folk owned a four wheeled drive car. Manufacturers such as BMW and Volkswagen not normally known for producing 4x4's have over the last decade or so have tried to grab their share of this growing car insurance market.

So why are 4x4 cars so popular?

There are many reasons; some parents choose to buy 4x4's to transport their children because they are very practical in terms of space. The size and choice of 4x4 vehicles available and the low purchase costs relative to other types of cars have meant they are an attractive proposition to more and more would be purchasers. Clever car manufacture lifestyle marketing is also another factor and for some people these 4x4 cars are an important status symbol.

It is probably true that most 4x4 cars are never driven off road and are used on ordinary journeys like most other vehicles. Most UK car insurance companies recognise this fact and will offer standard car insurance subject to their conditions. It is worth remembering however, that many companies classify 4x4 vehicles in the higher car insurance group category, therefore, expect to pay increased premiums.

Individuals who use their 4x4 off road should consider getting 4x4 insurance quotes from either aggregators, specialist brokers or tailored car insurance polices offered by manufactures. You may be surprised to learn off-road cover and liability cover for trailers (whilst attached to your vehicle) could be included.

As with most types of car insurance, your age, experience, no claims bonus, penalty points on your driving license, where the vehicle is kept overnight, use, modifications, where you live, occupation, car security, number of people to be insured on the vehicle and the type of 4x4 insurance cover requested will all play a major factor in determining the cost of your premium.