4WD and 4x4 Insurance (Advice) - Page 1





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When paying for car or 4x4 insurance it's important to get the right policy because insurance costs are a major part of 4wd expenses.

There are 3 basic types of insurance policy:

  • Third party
    This is the minimum insurance your 4x4 needs by law. If an accident is at least partly your fault then the insurance company will pay for the other persons car or property and for any injury. This insurance will not cover any damage to your own 4wd.

  • Third Party Fire and Theft
    This is the same level of cover as Third Party 4wd insurance but includes cover against being stolen or damaged by fire.

  • Comprehensive
    In addtion to covering all of the above, this level of insurance covers damage or loss of your own 4x4 upto the insured value of the vehicle. Comprehensive insurance also covers you against death or injury for yourself and your passenger.

Common Insurance Terms:
Excess: The amount you agree to pay yourself in the event of an insurance claim.

Brokers: They find suitable 4x4 insurance companies on your behalf. They are not always more expensive than dealing with insurance companies directly and they can often cater better for specific 4x4 insurance requirements.

No-Claims Bonus: This is the discount on your premium that an insurance company gives you when you drive without making a claim. Sometimes it's possible to pay extra to protect your bonus in the event of a claim.

Direct insurer: Your 4x4 insurance policy can be purchased directly from the insuring company. Different companies offer different specialist deals so shop around.

Agreed Value: If your vehicle has special features it may be worth more than the normal market value that the insurance company would normally pay out in the event of a claim. In this event some insurance companies will agree to pay a certain agreed minimum amount if the vehicle is considered a write-off.

Limited Mileage: Some insurance companies may reduce your premium payments according to what mileage you agree not to exceed during the 12 months of the policy.