Special 4×4 car insurances offer more benefits that classic car policies, although you can insure your 4×4 or SUV via traditional auto insurance policy.

Most important this is they cover both on- and off road driving. 4×4 cars have additional accessories, which are also covered by policy.

There weren’t any specific insurances for 4×4 vehicles few decades ago, but with the growth of demand, the need for 4×4 insurances have risen. Originally 4x4s were used as military and utility vehicles, but quickly took their share of market as a hunting, rural and recreation vehicles. They were used for work on rough terrain. About 20 years ago SUVs became popular for daily drivers too, and were driven in the city and regular roads, as well as off road. Differing from classical cars in size, horse power, durability and therefore their market price, lead to the need for special insurances. Because of the factors mentioned before, 4×4 and SUV insurances cost more compared to casual auto insurance. In case of accident, SUV will cause more damage to other vehicles, while being safer for the driver. Since 4×4 cars cost more and are luxurious goods, they are more likely to be a target for theft. If anything happened on green laning and other off road driving, it’s much harder to prove guilt, since there isn’t any authorities nearby. But proper 4×4 insurance should cover most of this, including cover for accessories and modifications, which are far more used on 4×4 and SUVs.

If you drive 4×4 car, you may want to have off road insurance, which covers green laning and off road driving.

After all wilderness driving is the reason you choose 4×4 over classic car, and why wouldn’t you insure your 4wd in case any accidents happen there. Classic insurances often don’t cover off road driving, so be sure that yours will. Some companies include NCB offers. NCB stands for no claims bonus, and rewards safe drivers who hadn’t had an accident over years.

Typical off road vehicles are 4×4 cars, ex-military vehicles, Q plated vehicles, which may be modified or have many accessories you need for rough terrain driving. This may add to insurance premium or even lower it (in case of safety or security modifications), but as with all insurances you can get extra discounts for:

• female drivers
• limited mileage
• engine capacity
• elderly drivers
• location
• other insurances at the same company (ie. car, house, personal…)

Many 4×4 cars lovers tend to be members of owner clubs and other 4WD enhusiasts clubs and they often get dicounts from insurance companies. If you are not a part of one, you should consider joining one. Beside extra discount, which can go up to 15%, you will learn more about your vehicle and how to take better care of it.