4x4 insurance

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4x4 car insurance

Do 4x4 cars cost more to insure?

Anyone who drives a 4x4 will know that this type of car tends to attract higher car insurance premiums than ‘standard’ cars.

Four-wheel drive cars tend to be in higher car insurance groups thanks to their size, weight and cost.

Subsequently, you will probably have to pay more for your car insurance to take this into account – but there are some simple things 4x4 owners can do to get cheaper car insurance (see below).

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Learn how to save money on your 4x4 car insurance with our special guide.

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What to consider when insuring your 4x4

When purchasing car insurance for your four-wheel drive (4WD), you will need to think about what level of cover you need:

  • Third-party only (TPO)
  • Third-party, fire and theft (TPFT)
  • Fully comprehensive car insurance

At Bobatoo, we always recommend getting fully comp cover so that you know you're insured for all types of eventualities while out on the road.

Read our guide on the different levels of car insurance for more information.

It's also important to bear in mind that you might need to add extra cover to your policy, depending on what you use your 4x4 for. For example:

  • Do you need 'off-road' cover? Some car insurance providers may not include cover for driving your 4x4 off-road, so you will need to add this to your policy if you intend to do this. Also, if you are involved in any competitions, you will need to get a specialist insurance policy.
  • Do you need 'towing' cover? If you use your SUV to tow a caravan or a trailer, you must check that your policy covers you for this as not all insurers include this as part of a standard 4x4 car insurance policy. If your 4x4 has a tow bar, this will be classed as a modification if you got it fitted by someone else (or fitted it yourself) and it wasn't a part of the manufacturer's standard factory settings. You must also be aware that weight limits apply to what your vehicle can tow - this depends on when you had your driving licence, so be sure to check this if you intend to tow heavy objects.

See below for tips on how to save money on 4x4 car insurance!

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How to reduce the cost of your 4x4 insurance premiums

Car insurance for all-wheel drives (AWD) can work out more expensive than insurance for standard cars like hatchbacks or crossovers, so if you're looking to cut down the cost of cover, follow our handy tips below.

Look for a limited mileage deal

The average annual mileage for a car in the UK is between 10,000 and 12,000 miles, but if you think you will drive less than that during the year, you may qualify for a limited mileage discount. Discounts can be found for agreed mileages of 7,500, 5,000, 3,000 or 1,500 miles per year – which is ideal if you only use your 4x4 mostly for weekend trips.

Making sure you only pay for the mileage you drive has become an even more topical issue due to many of us driving less as a result of the Covid-19 lockdown. For more information on this, read our guide: How to save money on your car insurance during covid-19.

Join a 4x4 owners club

There are lots of members clubs for 4x4 owners to join, which can help you save money on your insurance. The cost of membership is usually quite cheap and it can more than pay for itself with the potential savings on your premiums.

Car insurance companies will often offer discounts to members of owners clubs, as your membership shows that you are a responsible owner and will be more likely to keep your 4x4 car safe and in a good condition.

Park your car in a garage or on a driveway if possible

If you can park your 4x4 off the road, on a driveway or in a garage during the day and when it is left overnight then you will be rewarded with cheaper premiums. This is because your car will be at less risk of theft, vandalism or being damaged by passing traffic, so the insurance company will view you as less likely to have to make a claim.

Choose a higher voluntary excess

Voluntary excess is the extra amount you would pay towards a claim that you are at fault for (on top of compulsory excess). Most 4x4 car insurance policies include a standard excess, but if you can afford to potentially put more towards the cost of a claim then increasing your voluntary excess could net you cheaper premiums - just be sure you set it to an amount you would be able to afford in the event that you needed to make a claim.

To learn more, read our guide: A complete guide to insurance excess

Include your 4x4 on a multi-car policy

If the 4x4 you are looking to insure is not the only car in your household, then you could save significant amounts by including it on a multi-car policy.

Multi-car insurance offers the same level of cover as standard policies, but this type of cover allows you to insure multiple cars on the same policy. Many insurers offer discounts for every car you add to the policy (you can usually have a maximum of six or seven cars on it), so as well as just having one renewal date for all your cars, you could make significant savings on your premiums.

To get a quote for 4x4 insurance now, obligation-free, tap the green button at the top of this page!


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