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Car Insurance for 4X4

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Car Insurance Banner - Black 4X4 vehicle parked on a gravel road in front of grass overlooking the ocean.
  Written by 
Thomas Perrotta
Thomas Perrotta is the managing editor of Savvy. Throughout his time at the company, Thomas has specialised in personal finance, namely car, personal and small loans, although he has also written on topics ranging from mortgages to business loans to banking and more. Thomas graduated from the University of Adelaide with a Bachelor of Media, majoring in journalism, and has previously had his work published in The Advertiser.
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Last updated
April 7th, 2025


As a 4X4 or four-wheel drive (4WD) owner, you may be keen on adventures off the beaten track. However, even if you only bought your car to cater to the needs of your family, it’s important to make sure your car is covered against a range of different events.

Comparing quotes online allows you to weigh up a range of offers so you can choose the most suitable policy for your needs. Simply fill out a quick online form and receive a range of no-obligation quotes from leading insurers tailored to your 4X4 vehicle.

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How does 4X4 car insurance work?

In most cases, car insurance for a 4X4 vehicle in Australia isn’t a specific product, with the same levels of coverage available as any other type of car. This means that your 4X4 can be covered under a comprehensive, third party fire and theft (TPFT) or third party property damage (TPPD) policy, provided it satisfies your insurer’s qualification criteria, such as those related to its age and condition.

However, there may be some insurance companies who can provide specialist coverage designed for vehicles classified as 4WDs. These may offer coverage options to protect your vehicle against the unique risks associated with off-road driving, such as accidents and damage caused by rugged terrains.

When you purchase 4X4 car insurance, you should choose a policy based on your individual needs and preferences. It's important to review the coverage details and understand the exclusions and limitations in your policy’s product disclosure statement (PDS) to ensure you have the appropriate level of protection for your 4X4 vehicle.

What should I consider when buying car insurance for my 4X4?

When buying car insurance for your 4X4, there are several important factors to consider. These include:

Coverage for beach driving

Beach driving is a popular activity for 4X4 enthusiasts, especially in coastal areas. It's crucial to check whether your car insurance policy covers beach driving in your PDS, as not all policies automatically include this coverage. Because of this, it’s important to verify whether it’s specifically mentioned or if it can be added as an optional extra before hitting the dunes.

Coverage for other off-road driving

4X4 vehicles are built for off-road adventures beyond just beach driving. Whether you enjoy exploring rainforests, rugged terrains or remote trails, it's essential to check if your car insurance policy provides coverage for other types of off-road driving. Confirming if the policy extends to cover damages or accidents that may occur during these activities can give you greater peace of mind that you can be covered if your vehicle sustains damage while driving off-road.

Coverage for modifications and accessories

Many 4X4 owners make modifications to enhance the performance or appearance of their vehicles. These modifications can include:

  • Spoilers and body kits
  • Suspension upgrades
  • Roof racks
  • Aftermarket exhaust systems

When purchasing car insurance for your 4X4, ensure that it covers any modifications you have made. You’ll generally have to declare and specify the modifications to ensure they are adequately covered, as these may affect your vehicle’s premium and level of risk. Not all modifications will be covered, however, so it’s crucial to check your insurer’s terms and conditions to confirm whether yours are.

Considering these factors will help you choose a car insurance policy which provides the necessary coverage for your 4X4. As mentioned, it's always crucial to read the policy documents carefully, understand the coverage limits and consult with your insurance provider to ensure you have the best possible protection for your 4X4 adventures.

How much will my 4X4 car insurance policy cost?

The cost of a 4X4 car insurance policy in Australia can vary depending on various factors. These factors include:

  • Vehicle value: the value of your 4X4 vehicle will play a significant role in determining the insurance premium. Generally, the higher the value of the vehicle, the higher the premium will be.
  • Vehicle usage: how you use your 4X4 vehicle can impact the cost of insurance. If you use it frequently for off-road adventures, the insurance premium may be higher due to the increased risks associated with off-road driving. Additionally, the more time you spend on the road, the more you’re likely to pay.
  • Driver profile: your age, driving experience and claims history are factors that insurers consider when calculating the premium. Younger drivers or those with limited driving experience may face higher premiums compared to experienced drivers, as will those with an extensive history of claims.
  • Location: where you live can influence the insurance cost. Areas with higher rates of accidents, theft or extreme weather may result in costlier premiums.
  • Coverage options: the level of coverage you choose for your 4X4 car insurance will also impact the cost. Comprehensive coverage that includes a broader range of covered events will have a higher premium compared to a third party policy.
  • Parking arrangements: where you park your 4X4 when it isn’t in use can affect the premium. If you have secure parking options such as a locked garage or private driveway, it may help you lower your premium compared to parking on the street.
  • Optional extras: adding optional extras to your car insurance policy, such as roadside assistance, no-excess windscreen cover or no-claim bonus protection, can increase the premium. While these extras can provide added convenience and protection, it's essential to weigh up the benefits against the additional cost.

Top tips to help you secure cheap car insurance for your 4X4

How to buy car insurance

Common questions about car insurance for 4X4 vehicles

What’s the difference between market and agreed value when taking out car insurance for my 4X4?

The difference between market value and agreed value in 4X4 car insurance is how the value of your vehicle is determined in the event of a write-off. Market value is based on the market price of your vehicle immediately before the accident, while agreed value is a predetermined value agreed upon by you and the insurer. Agreed value may provide more certainty in case of a total loss, but it often results in higher premiums compared to market value policies.

Can I add my child to my 4X4 car insurance policy as a learner driver?

You can typically add your child as a learner driver to your 4X4 car insurance policy. However, this may depend on the insurer's specific terms and conditions, so it's important to notify your insurer about any additional drivers to ensure they are properly covered. If you have to make a claim due to an accident while your child was driving, you’ll likely have to pay an additional excess.

Will my car insurance policy cover engine failure?

Car insurance policies generally don’t cover engine failure unless it’s a result of a covered event, such as an accident. However, engine failure due to wear and tear or lack of maintenance is typically not covered. It's important to read your policy carefully and understand the coverage exclusions and limitations. Regular vehicle maintenance and servicing can help prevent engine failure.

Can I add insurance cover for a camper trailer on my 4X4 policy?

Some 4X4 policies may offer the option to add insurance cover for a camper trailer, but this can vary between insurers. It's important to check with your insurer to see if they offer coverage for camper trailers as part of your policy or if you need to purchase separate insurance to cover it. Ensuring appropriate coverage for all aspects of your 4X4 adventures can provide you with greater overall peace of mind.

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Disclaimer:

Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.

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