How to Get the Cheapest 4x4 Insurance?

Did you know that around one hundred 4x4's are registered every month in the UK? That means the British are buying around 12,00 new 4x4s every year. Whether you are running a farm in Yorkshire or taking the kids to school in Hampshire you will need to right insurance in place to protect your vehicle.

In these 4x4 insurance reviews, we will lay out what 4x4 insurance covers, how to find low 4x4 insurance rates and how to choose the right policy so that you can drive your vehicle with the luxury of knowing that you'll be looked after if anything goes wrong.

Aviva 4x4 insurance review

Aviva was established in 2000 from a merger of two UK insurance firms, Norwich Union and CGU plc as CGNU. Aviva is one of the largest UK insurance providers with more than 15 million customers. As well as car insurance, the company provides personal insurance as well as investment, health and retirement plans.

Aviva is rated excellent on Trustpilot for customer service and offers affordable monthly premiums and a variety of discounts for customers. Aviva does not offer specific 4x4 insurance but covers these vehicles along with other cars.

RAC 4x4 insurance review

RAC was founded in 1987 making it one of the most experienced companies in the insurance industry. As well as car and breakdown insurance RAC also offers travel insurance. Car Insurance customers are eligible for discounts on travel insurance. RAC enjoys a high rate of customer satisfaction on Trust Pilot and a 5-star rating on Defaqto.

RAC is a 4x4 insurance specialist and offers 3 levels of coverage to suit your specific situation and coverage level needs.

Esure 4x4 insurance

Esure is underwritten by Esure Insurance Ltd, also owning Sheilas' Wheels and Gocompare and has 300,000 clients across the UK. The company was founded in 2000 and mainly provides insurance services over the phone. Defaqto gives Esure a high trust rating, however, customer reviews on Trustpilot are average compared to competitors.

Claim and quote process is 100% manageable online with the customer portal My Account. But you also have a wide range of phone lines to call in case you need to speak to a counsellor. On the other hand, some online reviews note their cancellation fees that are higher than some competitors.

Admiral 4x4 insurance review

Admiral Insurance has been in the industry for more than 25 years offering car, home and travel insurance. It is authorised and regulated by the Financial Conduct Authority. The company boasts a 4-star rating on Defaqto and an average customer satisfaction rating of 3.6/5 on Trust Pilot. The personal and Finance Awards website ranked Admiral as the best car insurance provider in the UK for the past three years

Admiral's pick-up insurance is a type of van insurance that covers 4x4 vehicles. A courtesy van is offered and Europe-wide coverage is included as standard. Windscreen repair and replacement is also offered.

SAGA 4x4 insurance review

Saga was founded in 1980 and is a highly-rated company specialising in providing insurance products for over 50 years old. Along with car insurance, the company provides home, travel, pet and health coverage. The company is highly rated by both expert reviews (Defaqto and Which) and customer reviews and is even ranked among the most popular car insurers on the market.

SAGA is rated excellent on Trustpilot. Consumers will like the 3-year fixed premium, which allows them to offset some of the effects of inflation on their finances. Older drivers will find the over-50s driver insurance appealing.

What is 4x4 insurance?

4x4 insurance is a type of specialist car insurance for four-wheel-drive vehicles. This means that the engine drives each of the wheels equally, which is useful if you are driving over wet or difficult terrain. The most common 4x4 cars in the UK are:

4x4s tend to be heavier than other cars and therefore have the capacity to cause more damage to other people and their property. This means that 4x4 insurance policies typically have higher levels of coverage than standard car insurance. 4x4s are often seen as status vehicles and may be targeted by professional thieves in a way that other cars are not.

Do you need to have 4x4 insurance?

You only need third-party insurance in the UK to drive. This protects you in you injure someone with your vehicle or damage their property. However, we strongly recommend that you fully insure your vehicle to protect yourself from damage to yourself, your passengers and your property. Insurance against your 4x4 being stolen is also a sensible precaution.

If you do choose to fully insure your 4x4, you should be aware that, due to their larger size and weight, 4x4s require special insurance and not all insurers will cover these larger vehicles.

What types of 4x4 insurance are there?

4x4 insurance has a mandatory minimum level as do all motor vehicles in the UK. We have laid out the basic levels of 4x4 insurance for your ease in the table below.

Level of Insurance	What It Covers
Third-party	The minimum. This covers damage or injury caused to the property or person of others.
Third-party fire and theft	In addition to the minimum, this protects your vehicle in case it is damaged or destroyed by fire or in case it is stolen.
Comprehensive	This will usually cover damage caused to your vehicle by any other means as well as fire and theft. It may also cover injury to you and your passengers.

What extras can you get with 4x4 insurance?

4x4s are robust vehicles and many drivers use them in the countryside either for work or leisure. If you are not just using your vehicle for cruising city roads then you may want to consider specialist 4x4 insurance with some of these optional extras to give yourself an added level of protection.

• Green laning
• Towing
• Off-roading

What is the difference between green lane and off-road coverage?

Green lanes are marked roads that are not paved or tarmacked. Green lanes pose a higher risk of accidents than normal roads and therefore you will need extra coverage if you want to be protected while driving on them.

Off-road means any kind of driving that is not on a designated road. Your insurance will typically not cover this, although you may be able to protect your vehicle by including under business insurance if you use your vehicle for farming or in the course working in another rural industry.

How much is 4x4 insurance?

The cost of insuring your 4x4 will depend on a variety of factors. These will usually be included in the information you have to give to the insurance provider when they are estimating the price of your policy and whether you can get 4x4 cheap insurance. These factors include:

To help give you a rough idea, we have added the average quotes provided to us to a table for your use below.

4x4 Model	Average Premium
Fiat Panda	£462
Jaguar F-Pace	£665
Landrover Discovery	£720
Suzuki Jimny	£570
Volvo XC90	£712

Why is 4x4 insurance expensive?

4x4 insurance tends to be more expensive than typical car insurance due to the increased weight and size of the vehicle. The best 4x4 insurance will take the added weight and cost into account in order to protect you at the required level.

This means that you will usually end up paying higher monthly premiums in order to cover the enhanced risk and also the high cost of replacing your vehicle.

How to get cheap 4x4 insurance?

The cheapest 4x4 insurance can be obtained by members of driving clubs who are able to access discounts offered by insurance companies that partner with their club. You may also be able to save money on 4x4 insurance by fulfilling certain criteria, used by insurers to calculate premiums.

The best way to find cheap 4x4 insurance is to use online comparison tools. At the top of this page, there is a free-to-use comparison tool which will allow you to compare the protections offered by leading insurers.