"Finding off-road cover can be tricky - but it does exist. The easiest way to find it is by getting a quote, then contacting the insurer directly to see if they’ll allow you to add it onto your policy. If not, try a 4x4 owner’s group. These can be a great resource, and other members will often be able to point you in the right direction."
What insurance do I need for my 4x4?
This can depend on the size and design of your 4x4, as well as how you use it.
Car insurance
Pick-up insurance
Temporary insurance
Classic car insurance
Is it more expensive to insure a 4x4?
What you pay for your insurance depends on a range of factors, from your age to the value of your car, so it’s difficult to say for sure.
According to our data, some 4x4s are actually cheaper to insure than the average. But bear in mind, a lot more than the type of car goes into how your insurance is calculated.
In some cases, you might actually pay more than the average to insure your 4x4 due to:
Its classification: Pickup-style 4x4s require van insurance, which costs £5321 on average, whereas car-like 4x4s require car insurance, which costs £924* on average, so your 4x4's classification could impact what you pay.
Its insurance group: Every car sits in an insurance group, and due to their size and the cost to repair them, 4x4s tend to sit in high insurance groups. Generally, the higher the group your vehicle sits in the higher your insurance costs.
Its size: As 4x4s tend to be large, heavy vehicles, the damage they can do in collisions is likewise large. Insurers tend to see them as ‘riskier’ to insure than normal cars as a result, meaning you may pay more for your insurance.
*Confused.com price index data Q3 2023.
1Based on Confused.com data July - September 2023.
To give you an idea of what you might pay, here are the average cost to insure 3 of the most popular 4x4s in the UK**:
Land Rover 110 Defender TDI County:
£352.85
Dacia Duster Laureate DCI 110 2WD:
£451.68
Toyota Land Cruiser LC5 D4D:
£519.91
**Based on average insurance costs for fully comprehensive cover across all ages from 01/07/2023 to 30/09/2023
What our car insurance expert says
What else could my insurance cover?
Although off-roading may not be covered, your insurance should provide you with cover for other common aspects of 4x4 driving: