How can I get cheaper 4x4 insurance?
While a 4x4 could be more expensive to insure than your average car, there are ways to help lower the cost of cover
- Limit modifications
- Improve security
- Increase your voluntary excess
- Join an owners’ club
- Pay annually, if you can
- Reduce your annual mileage
Limit modifications on your 4x4. Things like lights, suspension upgrades, snorkels and alloys are likely to make your 4x4 insurance quote more expensive. Not modifying your vehicle could help keep costs down.
Improve security to keep your 4x4 safe from thieves and vandals. For instance, just parking your car in your driveway or garage at night may help cut the cost of 4x4 insurance. You could also consider fitting a security device such as an alarm or tracker. Check out our top car security tips here.
Increase your voluntary excess as this could reduce your 4x4 insurance quote, though this also means your payout is likely to be lower in the event of a claim.
Join an owners’ club as some insurers may give you a discount on your insurance if you’re a member of a 4x4 owners’ club.
Pay annually if you can as insurers might give you a significant discount if you opt to pay for your 4x4 insurance in one lump sum, rather than by monthly direct debit.
Be accurate with your mileage, as taking out a policy that covers you for 10,000 miles, when you only drive 7,000 in a year can lead to you paying more than you need to. Try not to underestimate how much you drive either as misrepresenting your mileage can lead to you claim being voided if you need to make one.
What types of 4x4 insurance are available?
There are three main levels of insurance to choose from:
You’ll also have to choose a class of use, which basically means how you use your 4x4:
- Social-only is suitable if you don’t use your 4x4 for anything to do with work.
- Social and commuting to work covers you for social use and commuting to a single place of work.
- Business use covers you for social and commuting plus business driving away from your normal place of work. You could choose business cover for yourself, you and your spouse, just your spouse or all named drivers on the policy.
Need more help?
Off-roading takes adventure driving a step further than green laning, as you completely leave behind any sort of road, including the green lanes.
Off-roading cover can come with some 4x4 insurance policies, but here at Confused.com we don’t currently offer this type of insurance.
Towing trailers, caravans or horseboxes can be covered as standard by 4x4 insurance, or any car insurance policy - though some insurers might only offer this as an optional extra.
So it’s worth checking with your insurer exactly what you’re covered for if you’re planning to tow regularly.
Even if you only drive it occasionally, you still need insurance for your 4x4. The only time you won’t need to insure it is if you’ve registered your vehicle as off the road by logging a Statutory Off Road Notification (SORN) with the DVLA.
If you only use your 4x4 for short periods of time, it might be cheaper to take out temporary car insurance. This will let you cover your 4x4 for anything from 1 hour to 28 days, meaning you’ll only need to pay for the cover you need
What our car insurance expert says
The DVLA rules on what you can legally tow changed at the end of 2021. The new rules mean that if you passed your test from the 1 January 1997, you're now allowed to tow caravans or trailers up to 3,500kg MAM. However, your insurance may still have restrictions on what you can tow. If you are planning on towing with your 4x4 it's worth checking with the insurer beforehand.
Car insurance expert