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The 4x4 insurance is designed to help both the off-road enthusiast and the urban dweller with the right level of cover to protect their investment. By stating just how you plan to use your vehicle will help designate the risk factor the vehicle posses to the insurance company so an accurate quote can be provided.
Insurance companies rate a vehicle premium on risk factors. The typical 4x4 has several standard features that place it as a high risk to cover.
Each of these items is classified as high risk as separate items. With all of them present on one vehicle, the risk factor is raised even higher.
The typical policy of 4x4 insurance does not include going off-road. That is classified as extremely high risk by the insurance industry. Since most standard 4x4 insurance policies do not cover off-road activities the off-road enthusiast must declare their intentions to participate in this high risk adventure. This will increase the cost of the insurance premium. If a problem occurs off-road and this declaration is not made, then claims will not be honored.
Some insurance companies do have an add-on to the standard policy where going off-road is covered. This is typically for recreational activities and not a competition event.
All vehicles that will operate on UK roads need to be covered by vehicle insurance. For owners of a recreational off-road only vehicle, no insurance is required if the vehicle has been declared as such with a SORN or Statutory Off Road Notification with the DVLA. With a SORN declaration, the vehicle must be transported to the off-road area via a trailer or towed by a third party vehicle. It can’t be legally driven on the road for any reason.
Like all other personal vehicles in the UK, there are three levels of insurance that can be taken out to insure a 4x4 vehicle.
Yes, a modified 4x4 vehicle can be insured, but the modifications must be declared to the insurance company before the policy is taken out. Common modifications that are typically declared and covered include;
Most insurance firms classify a road as being paved. For those that have to travel on an unpaved path or road, there is a special amendment that can be added to a 4x4 insurance policy called Greenlane Insurance.
Many of the same add-ons for a standard vehicle are available for a 4x4 vehicle. Breakdown assistance is available for help when the vehicle can’t proceed down the road on its own. Note the breakdown has to occur on a paved road. There are a few services that will help recover your 4x4 from a bog or other problem off-road, but that is not part of the standard cover.
Legal expenses can be added to the policy. This will cover claims against you where a third party states they have been injured or you have damaged their property with your vehicle.
With the addition of a security system to the vehicle, most insurance companies will provide a discount on the premium. This reduces the risk by lowering the possibility of it being stolen. By storing the 4x4 vehicle in a locked location when it is not in use can be discounted on the premium by the insurance company. Have a GPS tracker installed to help in the recovery of the vehicle if it is stolen. This also reduces the risk as viewed by the insurance industry.
Paying the premium on an annual basis will help avoid the interest rates that are applied to those that pay monthly.
Keeping the annual mileage low for the 4x4 which is being used as a secondary vehicle this will lower the risk and premium costs since it will not be constantly on the road. This has to be declared when the policy is taken out.
The 4x4 insurance policy is not a typical type of cover and the 4x4 vehicle is not a typical type of transportation. The financial protection this type of vehicle needs is specific to the nature of its unique features that are used by their owners to their own fulfillment. With the right level of protection, these features can be enjoyed for years to come no matter what events occur in the lifespan of the 4x4.