Four wheel drive off road insurance tips
Get a 4x4 off road insurance quote
If you drive off road you need four wheel drive off road insurance, take a standard car insurance policy out and you would not have the correct cover. Many 4x4 owners are club members and as such take part in rallies and competitions so therefore you would need specialist protection. For instance you would need to have legal protection in with your policy. This would protect you if you were to have to sue a third party and it would also payout for damage caused by you if someone should take legal proceedings against you. This should be considered essential if you attend events or rallies.
When looking for and comparing four wheel drive off road insurance check the features to find out if you would have retention rights for salvage. If you have spent a great deal of money customising your 4x4 you could buy back the wreck if your car should be written off, then take expensive parts from it. However if it was too badly damaged you would not be able to exercise this right.
Also check to find out if the policy comes with agreed values. Again this should be considered essential if you have customised your car. By adding many items to the car due to customization you will have boosted up the value of the car. By having agreed values you would have your car valued and this would be the sum of money you got back if the worst happened and your 4x4 was written off.
Windscreen damage should also be considered essential in your four wheel drive off road insurance. If you are traversing rough terrain there is more chance of damage to the windscreen and usually an off road insurance policy will include this. Some cover might ask for an additional excess to be paid for windscreens and some could come with no excess for such as repairing scratches. This means you need to read the fine print of any policy you are considering before taking it out.
If you plan to take your 4x4 out of the UK to drive an attend shows or take part in rallies then you need to check to find out if the policy provides cover outside of the UK. If the policy included a green card then this will indicate that you have at the very least the minimum amount of insurance necessary. It also means that you would not have to apply for insurance at the border of each country you visited.
Finally there are ways you could save on your four wheel drive off road insurance. One of them would be to offer to pay a higher sum of excess than what the insurance company asks for. By doing this you would make some savings on the insurance but if you made a claim on the insurance you would have to find this money out of your own pocket. You could also ensure your 4x4 is safe by installing such as a car alarm, a tracking device or an immobiliser. The money paid out for these could be recouped with the savings you make over time on the insurance.
Get a 4x4 off road insurance quote