4x4 insurance premiums tend to be relatively high, as they are considered to be one of the riskier vehicles out on the road these days. This is because although they sustain little damage to themselves in a collision, they can cause considerable damage or injury to others.
Specific 4x4 insurance providers tend to offer lower premiums, as they are usually affiliated with specialist garages and the savings they make thanks to these partnerships can be passed on to the customer.
It is probably true that the majority of 4x4 cars in the UK are used on ordinary journeys like most other vehicles and are never actually driven off road. This is recognised by most insurance providers, which offer standard car insurance subject to their conditions. It is not usual for standard policies to cover 4x4 off-road insurance, so if you do intend to drive your 4x4 off-road, make sure this is included in your policy. Beware, this can be quite pricey! However, this cover is more likely be included if you use a specialist 4x4 insurer. Be sure to check this! Some specialist insurers will also include a period of free cover in the EU should you wish to drive your 4x4 on the continent.
As with standard car insurance policies, discounts are offered if you are insuring more than one vehicle, have a decent no claims’ bonus or you agree to keep within a limited annual mileage. Discounts may also be offered if you are a member of a 4x4 club or association.
Be sure to shop around to ensure you find a quote which is affordable yet offers adequate cover which meets your needs. Discounts are usually available if you purchase your insurance online.
*All information displayed in this table is subject to change. Please consult individual insurers for terms and conditions.
