Getting the best deal on your 4x4 off road insurance policy
There is nothing quite like the thrill of getting behind the wheel of your 4x4 and going off-road over various different thrilling terrains. This could mean going down dirt tracks, flying over small hills in the terrain and traversing muddy holes. This for many makes for a great weekend, however only if you have the correct insurance for your vehicle. If this is the reason why you bought your 4x4 then you want to ensure that you have the correct 4x4 offroad insurance policy for your vehicle.
If you have put a lot of time and effort into your 4x4 and have customised it to suit your needs then you might want to take out agreed values on your vehicle. This would mean that you have your 4x4 valued and then this is the amount that you would get back from a claim in the event that your vehicle was written off. If you have made many modifications then your 4x4 could be worth a great deal more than when you bought it and without agreed values you would lose out on a great deal of money.
You might also want to find out if your insurance policy came with salvage retention rights. If it does then you would be able to claim back any expensive parts on your customised 4x4 that were undamaged. However if the insurance company decided that your vehicle was beyond any salvage you could have to waiver this right.
Check out the benefits of your 4x4 offroad insurance policy to find out what protection you had for windows and windscreen. As you will be travelling over terrains not of the norm then there would be more chance of your windscreens becoming damaged or even shattered. The majority of insurance providers will ask that you pay extra excess for windscreens due to this fact. Therefore you would want to find out what this was and what exclusions and limits there were. For instance, if you had to have repairs made for just a minor blemish on the windscreen then you might not have to pay the excess.
Should you want to take part in rallies and shows then you need insurance that would include liability cover. Any show or rally organiser would insist that you have this type of insurance. It would provide you with legal and medical costs for anyone that got injured at a show/rally through your fault. It would also pay out for your legal costs too and as these can run up to a large sum of money you would be grateful of having this included in your policy.
When showing your 4x4 also make sure that your 4x4 offroad insurance policy contained accident damage cover. Whilst the show organisers would generally ensure that your vehicle was a safe and secure as possible there is always the possibility of scratches and dents occurring and if you had accidental damage in your policy you would be eligible to claim for damage.
Get a 4x4 off-road insurance quote
Back to insurance articles index