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Compare 4x4 car insurance

Compare the cheapest, best value quotes on insurance for your 4x4, and get £35 cashback.  82% of members got a cheaper quote when comparing against another price comparison website.*


4x4 car insurance
4x4 car insurance

Compare with Quidco to get a cheap 4x4 car insurance quote

1
Get quotes

In just a few minutes you can input your details, and those for your vehicle. Then we can search for relevant deals.

2
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We will run your details through our panel of over 100 insurers, including AA, AXA & Hastings, to get the very best deal. Then it's over to you.

3
Get Cashback

Not only will you save money on your premium by comparing different insurers, we'll give you cashback too (max 90 days to arrive).

Why get a 4x4 motor insurance quote with Quidco?

With Quidco, we can not only give you a great quote on your car insurance, you'll get cashback one you've accepted a quote.

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4x4 car insurance

4x4 cars were once just workhorses for countryside dwellers, but now they’ve become a common sight in more urban areas too. Vehicles such as the Land Rover Discovery are status symbols as much as working tools, and they’re bought and driven by those living in cities, as well as rural locations.

On this page we’ll explain everything you need to know about insuring a 4x4, including the ways you can reduce your premiums, and whether you need green lane cover. 

What is a 4x4 vehicle?

4x4 is short for four-wheel drive and means all four wheels are being driven by the vehicle’s engine. A 4x4 is ideal for tricky, low grip surfaces such as mud, ice and rock, as it offers more traction across all wheels. It also means you’re less likely to get stuck. That’s one of the main reasons 4x4 vehicles are favoured by those in the countryside.

However, the popularity of real 4x4s now means the term is sometimes used to describe cars that are simply tall and rugged-looking. However, these cars are often front-wheel drive, which means they’re not actually 4x4s at all. These types of cars should be classified as SUVs rather than off-road vehicles, and usually only require standard car insurance. 

What levels of 4x4 insurance are there?

The levels of insurance for 4x4s are largely the same as standard insurance policies:

Third-party

This the most basic level of insurance and the minimum legal requirement. Simply put, it will cover any damage to a third-party’s person, vehicle or property, but it won’t cover anything on your car.

Third-party fire and theft 

In addition to the above, third-party fire and theft adds cover for any damage done to your own car if it’s stolen or damaged due to theft, as well as fire.

Fully comprehensive

Comprehensive car insurance covers everything third-party fire and theft does, but also insures any damage done to your car in an accident that’s been determined to be your fault. 

How much is 4x4 insurance?

4x4 insurance tends to cost more than standard car insurance, because of how expensive and robust 4x4s tend to be. The price also varies depending on what you may end up using them for e.g. work or business.

Off-road vehicles are often larger and heavier than normal vehicles, so they’re more likely to cause significant damage to other objects or people in an accident.

What’s more, 4x4s are built to withstand difficult terrain and weather conditions, so they’ll often use expensive, hard-wearing components. Although more durable than most vehicles, 4x4s will hit you with a higher repair bill when they do need fixing. Models such as Land Rover Defenders tend to include modifications, and these can drive up insurance premiums too. 

Finally, 4x4 owners are more likely to drive off-road, which can come with more risks. 

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Our expert says:

‘4x4s are impressive machines, designed to tackle extreme conditions and terrain. However, that extra weight and mechanical sophistication comes with added insurance costs. If you want to get the most out of your 4x4 and pit it against some interesting roads, you’ll also need green lane cover.’

Curtis Moldrich – automotive journalist 

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How to reduce the cost of 4x4 insurance

Join a 4x4 owners’ club

Many insurers realise that 4x4 owners’ club membership goes hand in hand with even better care and treatment of your vehicle. This isn’t a view shared by all insurers, but it’s worth mentioning when getting a quote.

Compare and get cashback

By comparing insurance policies at Quidco Compare, you could save money and earn £35 cashback on your 4x4 insurance. 

Avoid modifications 

It might seem like a good idea to make changes to your car but it's a bad move if you want to keep your insurance costs down. Most insurance companies will increase your premiums if your car is modified.

Voluntary excess

It’s possible to cut costs by upping your voluntary excess and agreeing to pay more before the insurance company pays the rest. Just remember that you may have to pay it one day, so make sure you can afford to cover this cost.

Reduce the miles 

Reducing your mileage will reduce costs, as the fewer miles you drive the less insurers will view your car as at risk.

What’s green lane cover?

If you want to drive on byways, Unclassified Roads, or Byways Open to All Traffic (BOATs) you’ll need green lane cover. As long as you’re doing non-competitive driving, green lane cover means you’ll be insured when tackling interesting roads off the beaten track. 

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Useful information

Please note: by clicking the "Get a quote" button, you consent to your details being used by the comparison partner and insurance quote providers. Don't worry they won't call or email though.

When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.

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*Quidco ran a prize draw between 22.07.20 and 05.08.20 asking participants to test us by comparing two car insurance quotes: one from Compare and one from any other UK comparison site. Out of 2,392 participants, 82.25% received a lower premium from Compare with their cashback included.