Insuro Logo
  • directions_car Car
  • airport_shuttle Van
  • motorcycle Bike
  • home Home
  • edit Retrieve Quotes
  • newspaper Blog
  • transportation Motoring

    • Car Insurance
    • Motorbike Insurance
    • Breakdown Insurance
    • Gap Insurance
    • Van Insurance
  • local_shipping Vehicle

    • Motorbike Insurance
    • Breakdown Insurance
    • Gap Insurance
    • Van Insurance
    • Car Insurance
    • Truck Insurance
    • Boat Insurance
  • home Property

    • Home Insurance
    • Boat Insurance
    • Caravan Insurance
    • Horsebox Insurance
    • Park Home Insurance
    • Landlord Insurance
    • Holiday Home Insurance
    • Non-Standard Home Insurance
    • Unoccupied Property Insurance
  • signpost Lifestyle

    • Holiday Insurance
    • Income Protection Insurance
    • Mortgage Protection Insurance
    • Travel Insurance
  • work Business

    • Hotel Insurance
    • Professional Indemnity Insurance
    • Public Liability
    • Directors and Officers Insurance
    • Salon Insurance
    • Goods in Transit Insurance
    • Tradesperson Insurance
    • Motortrade Insurance
    • Catering Van Insurance
    • Driving School Insurance
  • sports_soccer Leisure

    • Boat Insurance
    • Campervan Insurance
    • Caravan Insurance
    • Horse Insurance
    • Horsebox Insurance
    • Motorhome Insurance
    • Park Home Insurance
    • Pet Insurance
    • Quad Insurance
    • Compare Trailer Insurance
    • Trailer Tent Insurance

Compare 4×4 Insurance Online

  • done Compare up to 130+ providers
  • done You could save up to £518*
  • done Get personalised quotes in minutes

Don’t have your registration number? No problem, click here.

Compare 4×4 Insurance Online

What is car insurance?

Having car insurance ensures you are covered financially if the worst were to happen to your car. Such incidents could involve damage from an accident, theft, vandalisation and fire damage. Car insurance means you won't have to dig into your pocket to pay for potentially huge repair or replacement costs.

Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of coverage you must legally have is third-party car insurance. Third-party insurance covers the damage to another person's car, for example, in a collision accident, but provides limited cover for your vehicle.

  • AXA Insurance Logo
  • RAC Insurance Logo
  • Endsleigh Insurance Logo
  • One Call Insurance Logo

Quotes from up to 130 top UK insurance providers

How much does car insurance cost?

Car insurance is either made up of an annual or monthly premium. Annual premiums are paid in a single lump sum when a policy is purchased; monthly premiums require a deposit and a monthly direct debit. Many factors come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums.

Why compare?

  • Search up to 130 different insurance providers

    Increase your chance of finding a great deal by comparing multiple companies using a single form.

    search
  • Buy online or by phone

    Purchase your insurance policy quickly and easily; monthly and annual payment options are available.

    call
  • You could save time and money

    Get your quotes by filling in one simple form, compare prices, and start saving.

    savings
  • With over 3 million quotes

    Join Quotezone’s ever-growing list of satisfied customers and find your quotes today.

    groups
  • Cloudflare Protected

    The provider is committed to keeping your data safe and secure.

    cloud
  • Independent and unbiased service

    The service isn’t owned or has any investment from any insurance company.

    balance

What Is 4×4 Insurance?

At its core, 4×4 Insurance covers off-road vehicles, commonly known as 4x4s, which can navigate terrains that many other vehicles cannot. Just like insuring a car, van, or motorbike, it’s vital to protect your 4×4 against potential risks on both off-road trails and standard roads.

Why Do You Need Specialised 4×4 Insurance?

Unlike your everyday car, a 4×4 often faces unique challenges. These vehicles frequently tackle rugged landscapes, muddy tracks, and steep inclines. Such environments increase the potential for accidents, damage, and wear. A specialised 4×4 insurance policy acknowledges these unique conditions, providing tailored protection that typical car insurance might not offer.

How Does 4×4 Insurance Differ from Standard Car Insurance?

Think of it this way: you wouldn’t wear hiking boots to a formal dinner. Similarly, standard car insurance might not be the “perfect fit” for your 4×4. Here’s why:

  1. Enhanced Coverage: 4×4 Insurance often includes cover for off-road activities, which many standard policies might exclude.
  2. Accessories & Modifications: Owners frequently modify 4×4 vehicles with winches, snorkels, or lift kits. Specialised Insurance can ensure these enhancements receive proper coverage.
  3. Valuation: Given their robust build and often higher purchase price, 4x4s might have a different value assessment than standard cars.

How Can You Reduce Your 4×4 Insurance Premium?

Purchasing 4×4 Insurance doesn’t mean breaking the bank. Consider these tips to reduce your premium potentially:

  • Enhanced Security: Installing approved security devices can often lead to discounts.
  • Limited Mileage Discounts: If you use your 4×4 occasionally, some insurers offer reduced rates for lower mileage.
  • Safe Driving Record: Maintain a clean driving record, free of claims and penalties.
  • Membership Discounts: Joining a recognised 4×4 club could make you eligible for specific discounts.

Is Every 4×4 Vehicle Insured the Same Way?

No, not all 4x4s are equal in the eyes of insurance providers. Factors like the vehicle’s age, make, model, and purpose (e.g., recreational vs. agricultural) can influence the policy. Always ensure you discuss your specific 4×4 needs with your insurer to get the best-tailored coverage.

In Conclusion

If you’re a proud 4×4 owner in the UK, you already know the exhilaration of conquering untamed terrains. But remember, with great power comes great responsibility. Ensure your mighty vehicle has the right protection with a tailored 4×4 insurance policy. Whether you’re navigating city streets or country trails, peace of mind can make every journey even better.

Factors Affecting 4×4 Insurance Premiums

4x4s are among the most expensive vehicles to operate. They’re often in the highest road tax brackets, and most modern 4x4s cost a lot to buy outright.

The vehicle’s overall value means that when a claim needs to be made, it can be much more expensive than other vehicles – which affects the insurance cost. 4x4s also tend to have larger, more powerful engines, which increase the risk of severe accidents and injury if the driver loses control.

There are some factors which reduce this issue, including:

  • Driving record – several years without claims can significantly reduce your insurance premiums.
  • Age – Young drivers tend to have higher premiums. Paired with expensive vehicles like 4x4s, this issue is magnified
  • Security outside driving time – showing that your 4×4 spends most of its downtime in a secured garage can reduce premiums because the vehicle is safer
  • Excess – the amount of ‘excess’ you have to pay out of pocket on any claim reduces the premium you pay for the policy, though it can be expensive if you do need to claim
  • Always compare your quote against other options – auto-renewing your policy without checking is one of the quickest ways to see your premium rise yearly.

Comparing 4×4 Insurance Quotes

Filling in a form like the one above is a quick and simple way to compare insurance quotes online. These forms deliver quotes tailored to circumstances just like yours.

Checking the cover offered with each quote allows you to quickly eliminate any policy that doesn’t provide the right cover for you. From there, it’s just a matter of comparing the fine details of each policy and premium and making your choice.

Make sure you’re happy with your chosen policy before you sign up. It’s never good to realise the policy you’ve been paying for doesn’t cover you for what you need it to.

Please Note: This Insurance comparison tool is provided for your use by SEOPA. Insuro.co.uk are not responsible for the contents of the comparison you receive.

Insuro Blog

The Stir Over “Over-65 Driving Test UK” – What’s Really Going On

Over the last few months, searches like “over 65 driving test uk”, “driving test for over 65”, and “new driving test rules” have jumped in Great Britain. Many people are asking if there’s a brand-new test you must take at 65. Short answer: there isn’t. Quick note: UK licence renewal kicks in at 70 (and […]

Car Tax Rates 2025 UK: VED Changes and Why August Searches Spike

  Car Tax Rates 2025 UK: VED Changes and Why August Searches Spik   Vehicle Excise Duty (VED), or car tax, is a mandatory fee for most vehicles driven or parked on UK public roads. The 2025/26 tax year brings significant VED changes, effective from 1 April 2025, impacting petrol, diesel, hybrid, and electric vehicle […]

What is the Cheapest Car Insurance in the UK?

This article explains what factors result in the cheapest car insurance. Finding the cheapest car insurance in the UK depends on various factors, including the type of car you drive, your age, location, and driving history. This guide explores these aspects in detail and provides insights into how to secure the most affordable policy for […]

Useful Links

  • Contact Us
  • About Us
  • Car Insurance Company Guide
  • Investors
  • Car Insurance Data
  • Privacy
  • Sitemap

Contact Us

For any support queries, please email: customerservice@insuro.co.uk

Vehicle

  • Car Insurance
  • Van Insurance
  • Breakdown Insurance
  • Motorbike Insurance
  • Bicycle Insurance
  • Taxi Insurance
  • Minibus Insurance
  • Limo Insurance
  • Coach Insurance
  • Gap Insurance
  • Truck Insurance
  • Imported Car Insurance
  • Kit Car Insurance
  • Classic Car Insurance
  • Convicted Driver Insurance
  • Quad Bike Insurance
  • Commercial Van Insurance
  • Farm Vehicle Insurance

Personal

  • Travel Insurance
  • Income Protection Insurance
  • Professional Indemnity Insurance
  • Public Liability
  • Directors and Officers Insurance

Property

  • Home Insurance
  • Boat Insurance
  • Caravan Insurance
  • Horsebox Insurance
  • Park Home Insurance
  • Landlord Insurance
  • Holiday Home Insurance
  • Non-Standard Home Insurance
  • Unoccupied Property Insurance

Lifestyle

  • Pet Insurance
  • Motorhome Insurance
  • Motorfleet Insurance
  • Catering Van Insurance
  • Driving School Insurance
  • Motortrade Insurance
  • Tradesperson Insurance
  • Horse Insurance
  • Salon Insurance
  • Goods in Transit Insurance
  • Trailer Insurance
  • Courier Insurance

Insuro partners with Quotezone.co.uk to provide the insurance comparison solutions. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: 4th Floor, Blackstaff Studios, 8-10 Amelia Street, Belfast, BT2 7GS. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). The register number for SEOPA Ltd is 313860 and their permitted business is insurance mediation as well as having permission for credit brokerage. Insuro Ltd (Trading as Insuro) is an Introducer Appointed Representative (IAR) of Seopa Ltd.

Insuro's relationship SEOPA Limited is limited to that of introduction, no common ownership or control rights exist between us.

Please note: Insuro cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites.

Insuro Logo

Insuro.co.uk is a trading name of Insuro Limited | Company No: 15318170

Copyright © 2025 Insuro | SEO and PPC by novi.digital

Free Insurance Reminder

Enter the date of your insurance renewal and we'll remind you 30 days before.

This field is for validation purposes and should be left unchanged.
Date(Required)
Enter the date of your renewal.
Pick your insurance type.

Why use a reminder?

  • Save money by comparing early.
  • Avoids auto-renewal at high rates.
  • Avoids rushing and making mistakes.

Free Insurance Reminder
Close