Cheap 4x4 Insurance
Compare 4x4 insurance from Quotezone’s panel of UK insurance providers
Why compare 4x4 insurance quotes?
By comparing quotes from Quotezone’s panel of UK insurance providers, you could find the right policy for your four-wheel drive whether it is a Jeep, Land Rover, Range Rover, or BMW X5. It is worth shopping around for your 4x4 insurance online, as some insurers can offer you better rates than others.
How can Quotezone help with low-cost 4x4 insurance?
Quotezone takes the hassle out of finding cheap 4x4 insurance quotes by putting you in touch with our panel of UK insurance providers. All you have to do is simply fill in our one step quote form with some information about yourself and your 4x4, and we will then match you with one of our panel members who will contact you directly to discuss a potential quotation.
What happens when I get my 4x4 insurance quote?
Types of 4x4 cars you can insure are Landrover, Rangerover, BMW X5, and Jeep to name but a few. Our panel of providers could give you the level of protection required with multiple cover options available. You decide the level of cover required. Why not try our quote system for 4x4 insurance to find a competitive policy to suit you.
4x4 Insurance Guide
4x4 vehicles are usually expensive to run, and they also could be more expensive to insure than the average car. However, 4x4 insurance is a UK legal requirement for any vehicle that’s driven on the road, so it’s an expense that can’t really be avoided.
Levels of Coverage
As with standard cars, 4x4 owners could choose from three levels of insurance.
Third party insurance is the minimum legal requirement for 4x4 insurance in the UK. This kind of insurance could cover the costs of any damage done to another vehicle if the 4x4 owner is in an accident for which they are responsible. This level of insurance doesn’t necessarily cover the 4x4 itself, however, when the driver is found to be at fault.
Third party, fire, and theft includes third party insurance and also may cover losses due to theft or fire.
Comprehensive cover is the most inclusive kind of 4x4 insurance. It includes third party insurance and fire and theft protection. As well as this it covers damage from other sources, even including accidents the driver is held responsible for. This may often be the option preferred by 4x4 owners, due to the costs of repairs and replacement parts.
Note that while some 4x4 vehicles could be covered under standard car insurance, some models may be classified as vans, and may need specialist van insurance instead.
Some optional addons that 4x4 owners may choose to add to their policy include:
- Some 4x4 owners prefer to choose agreed-value coverage, particularly if they’ve spent a significant amount on vehicle modifications. These are more expensive, but pay out an agreed sum in the event the vehicle is written off.
- Off-roading cover isn’t typically included as standard in all 4x4 insurance policies, so owners who plan to use the vehicle for off-roading may need to purchase this cover separately. Specialist insurance may be required for owners who are involved in competitive driving.
- Breakdown cover covers the cost of roadside assistance if the 4x4 breaks down while driving.
- Some breakdown addons also provide a courtesy car for the driver if the 4x4 can’t be repaired at the roadside.
- The legal expenses addon covers the cost of any legal expenses if a third party claims compensation after an accident.
- Towing isn’t always covered as standard, and may need to be purchased as an addon.
Insurance groups are categories that insurers sort cars into on the basis of factors such as price, performance, and power. The higher the group a car is in, then generally speaking the higher the premiums will be. 4x4 vehicles typically end up in higher groups because they’re more expensive than standard cars, and because the costs of spare parts and repair are higher than for standard cars. Another factor that increases the group rating of 4x4 vehicles is that they’re much larger than standard cars, and as such are more likely than other car types to cause major damage to other vehicles in an accident.
How to Compare 4x4 Insurance Policies
Making thorough insurance comparisons could help a 4x4 owner get 4x4 insurance cheaper than they might have otherwise. And given that this kind of insurance is more expensive than standard car insurance to begin with, taking the time to compare 4x4 insurance online could prove essential.
- Compare each coverage level for policies issued by different companies, but don’t forget to compare different coverage levels too. Often it could be possible to find comprehensive coverage that’s almost as cheap as third party. However, this is less of a consideration for 4x4 drivers, as the high cost of replacement parts and repairs usually means comprehensive coverage is typically preferred over third party insurance.
- To find good deals, it could be wise to compare features such as the compulsory excess, inclusions such as windscreen damage, and whether coverage for personal belongings is included. These are all fairly little things in comparison to the cost of repairing a damaged 4x4, but they may add value to the policy.
- Other considerations may include whether or not the policy covers the 4x4 owner when they drive other cars, and what kind of coverage they have when another party is driving the 4x4.
- Checking exclusions carefully could make sure each policy covers everything that’s needed.
Reducing 4x4 Premium Costs
While it’s not usually easy to get cheap 4x4 insurancesimply because these vehicles tend to be placed into higher insurance groups, with higher base premiumsthere are several things that a 4x4 owner could do to bring the costs down somewhat.
- Adding security improvements such as an alarm or a mechanical immobiliser could reduce the risk of theft.
- Parking off-road in a driveway or garage may help save on premiums.
- 4x4 owners who are low-mileage drivers may be able to get a lower premium by disclosing this information to their insurer. It’s important to stay within the maximum mileage allotment however, so this should be chosen carefully.
- Paying premiums annually as opposed to monthly could often mean paying less overall.
- 4x4 owners who opt for automatic policy renewal miss out on the chance to find better deals with other providers each time their policy renews.
- Making modifications to a 4x4 could drive up premium costs significantly, as modifications make repairs and obtaining replacement parts more expensive. This may already be expensive for 4x4 vehicles, so modifications could increase premium costs significantly.
- While premiums may initially be high for most 4x4 owners, they could cut the costs dramatically over time by driving responsibly and building up their no-claims discount. The discount could increase over consecutive years providing no claims are made on the policy, so 4x4 owners may have the opportunity to save significantly on their premiums.