Will my insurance cover off-roading?
Standard car or van insurance will not cover your 4x4 for off-roading.
If you did take it off-roading, any damage you were to cause to a third-party, or your own 4x4, wouldn't be covered by your insurance, which could leave you seriously out of pocket.
But there are a few ways you may be able to get off-road cover:
Ask your insurer: Some insurers may be willing to boost your cover to include offroading, though you’ll need to contact them directly to ask. You can do this once you’ve got a quote. They may then let you add on off-roading cover as an optional extra for an additional charge.
Go to a specialist: Specialist off-road insurance providers also exist, although we don’t compare quotes for them here at Confused.com. Owners clubs can be a good resource for finding off-road cover, and can usually point you in the direction of reputable specialist providers.
Contact event organisers: If you need off-road cover for a competition, contact the event organiser, as many competitions will have their own cover in place. This should cover you for any damage that might happen during the competition.