How do I get cheaper 4x4 insurance?
While 4x4s are more expensive to insure than cars on average, there are various ways to lower the price of your 4x4 insurance:
- Join an owners’ club
- Limit modifications
- Improve security
- Increase the voluntary excess
- Pay annually
- Reduce your annual mileage
Join an owners’ club. Some insurers will give you a discount on your insurance if you’re a member of a 4x4 owners’ club.
Limit modifications to keep insurance prices down. Adding extras to your 4x4 such as roof racks, lights, suspension upgrades, snorkels and alloys are likely to make your quote more expensive.
Improve security to keep your 4x4 safe from thieves and vandals. For instance, 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.
Increase the voluntary excess. Raising your excess could reduce the price of your insurance. However, this also means your payout would be lower in the event of a claim.
Paying annually can make a significant saving on your 4x4 insurance. By choosing to pay in one upfront lump sum rather than by monthly direct debit – you could save up to 15%1.
Reducing your annual mileage could also get you cheaper insurance. Generally speaking, the less miles you drive in your 4x4, the lower the price of your insurance. The more miles you do, the greater the chances of you making a claim.
1 Based on Confused.com data December 2020 -January 2021
What does 4x4 insurance cover?
There are three main levels of insurance to choose from:
- Third-Party is the lowest level of cover and represents the minimum legal requirement that you need to drive in the UK. If you are in an accident, you’ll be covered for damage to other people’s vehicles and any injuries sustained to others. However, you and your 4x4 will not be covered.
- Third-Party Fire & Theft gives you the minimum level of cover you get with third-party insurance, third-party fire & theft means your 4x4 will also be insured against damage caused by fire and theft.
- Comprehensive gives you everything you get with a third-party fire & theft policy, but also means you and your car are insured even for accidents where you’re to blame.
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?
These policies are designed for traders with more complicated businesses. For example, they may be ideal if you’re holding a number of vehicles on the premises.
Stock stored will also come under such a scheme, along with portable tools, machinery, and even business interruption insurance.
Whether you need this level of cover will depend on the nature and size of your firm.
Yes, it’s possible to get this cover. These policies are aimed at people who are involved in the motor industry but have a primary occupation elsewhere.
This means individuals selling cars in their spare time, repairing or servicing them on the side, or carrying out some work on vehicles at home.
This will depend. It’s virtually impossible to find a policy if you’re under 21-years-old. In fact, it’s a challenge for those under 23-years-old. Some require you to be at least 25-years-old.
The younger you are, the more you should expect to pay for cover. It’s similar to younger drivers on normal insurance policies. Their lack of experience on the road means they are classed as higher risk.
Most people over the age of 25 can get access to traders’ insurance for their business without too many issues.
Potential problems can occur with criminal convictions – largely depending on the nature of the offence – and whether they have excessive motoring convictions or bans.
What our car insurance expert says
Remember, you might not be covered to tow a caravan or trailer. Most insurers include third-party cover for trailers, but you’ll need to check if you’re covered for caravans and also ask about weight restrictions.
Car insurance expert