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0333 003 3270 0800 298 2190

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4x4 Insurance

With access to a wide range of industry leading 4WD schemes from some of the UK's largest insurers, Call Wiser’s warm, friendly and experienced staff are sure to find you a great deal on your 4x4 insurance. Call today for a free quote on 0333 003 3270.

Off Road Insurance – Get The Cover You Need

Whether your vehicle is used for off-roading, green-laning, leisure, commuting or school runs, our trained advisors are on hand to find a great level of cover for your needs.

We offer competitive rates for any vehicles used off road or for driving through snow, muddy tracks, farmland or unsurfaced roads including popular models such as:

  • Audi A4 Allroad
  • Honda CR-V
  • Range Rover Evoque
  • Toyota Land Cruiser

The most basic level of cover is third party only which will pay for any damages to other vehicles or pedestrians in the event of an accident. However, this will not cover your own vehicle for any damages so you will have to upgrade to a fully comprehensive policy to include cover for your own vehicle, fire, flood and theft.

Additional cover is available for specific purposes such as events, business-related or driving abroad.


Why is 4 x 4 Car Insurance More Than a Standard car?

All vehicles have a car insurance group rating ranging from 1 to 50. With 1 being the cheapest vehicle to insure, larger vehicles such as 4 x 4’s are closer to 50 and fall into a higher ratings group of insurance.

As a result, the cost of repairing and replacing any damaged parts is more than your average vehicle. Not to mention that if were involved in an accident, a 4 x 4 car could probably cause significant damage to a smaller vehicle so the policy and premium that you pay will be higher to accommodate this.

Since off road vehicles are designed to drive on all kinds of surfaces, there are potentially greater risks of damage to the vehicle or flooding. There is also the high value of cars such as Range Rovers and Jeeps which might make them more attractive to thieves – so your premium has to reflect these risks.


How Do We Keep The Price Down For 4 x 4 Insurance?

Although the premium for a four by four vehicle is likely to be more expensive, Call Wiser can search the entire market for you by finding the best quote from over 30 top insurers and over 100 deals available. Some of the insurers we work with are 4 x 4 insurance specialists who will be able to get you the best premium available.

There are several ways we can help you reduce the cost of your premium such as adding security vehicles to your vehicle like alarms and tracking devices.

By looking at your excess carefully, we can try find the optimum voluntary amount you should be paying to get the lowest rate. If you have avoided making claims for a long time, you may be eligible for a no claims discount which can give you a saving of up to 85% on your policy.

We are always looking for the best deals available and some of our partners include great introductory offers so that new policymakers can get a great discount.


Do I Need Insurance If My Car is Driven Off Road?

If you don’t drive on public roads, you will need to declare your vehicle officially ‘off road’ with the DVLA. Once submitted, you will no longer need to pay any road tax on your vehicle.

If you don’t have any insurance and still keep the vehicle in your garage or drive it on your own private land, you can still be penalised and receive penalty points and a fine. This is part of a rule introduced in 2011 to cut down drivers without insurance. You also cannot drive on land without the permission of the landowner. For more information, read the guide provided by the Citizen’s Advice Bureau.

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Get a Free Quote Today

Call Wiser welcomes drivers of all ages and experiences, with various claims and conviction histories, we cover all makes and model of 4x4 and even modified vehicles. With free breakdown cover, claims and legal assistance, and mobile phone, gadget and handbag cover as standard, it’s no surprise that we’ve become one of the UK’s fastest growing insurance brokers.

When you speak to one of our insurance experts on the phone, you will be asked to provide some basic details including your driver’s license, claims history and details of your vehicle.

We try to make the application as simple as possible and encourage information to be sent via email so you don’t have to post anything off and your policy can be processed on the same day.

We take the hassle out of finding great 4x4 insurance tailored to your needs, so why not give us a call now for a free no-obligation quote?



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