You’ve already got or are planning to buy a 4x4 vehicle – where do you go for cheap car insurance? Get a quote from specialist insurers using the links below:

Why is 4x4 car insurance more expensive?

There are number of factors why your gentle giant may not command such a gentle insurance premium:

• They can cause considerable damage to other road users, whilst often coming off better themselves in a collision
• Some 4x4s can present a high theft risk – most providers may insist on fully comprehensive cover
• Costly to repair – parts and labour are expensive on most 4x4s
• 4x4 car insurance may have to cover more accessories such as air lockers, camping gear, towing equipment, fog lights, roof racks and snorkels

Searching for cheaper 4x4 car insurance

When searching the market, look out for specialist 4x4 car insurance providers. They’re likely to have better knowledge of insuring a four-wheel drive. Specific 4x4 car insurance companies tend to offer lower premiums. Discounts are usually available if you purchase your insurance online or if you insure more than one vehicle, or have a decent no claims discount or bonus.

Some insurers may offer a cheaper premium if your 4x4 clocks up fewer miles. They may sign an agreement on a maximum annual mileage which, if exceeded, may invalidate a claim.

Insuring for off-road use

Few 4x4s are driven in mud, sweat and toil. Most are used on tarmac rather than rough terrain. That’s why most providers may cover your four-wheel-drive with standard car insurance subject to their conditions. If you intend to get mud on your 4x4’s boots, make sure your vehicle is covered for off-road use, but beware it can be expensive!