4×4 Car Insurance

4×4 insurance is generally more expensive than insurance for smaller less powerful cars.

That’s because 4x4s sit in some of the most expensive insurance groups around.

So if you own a Range Rover, Vauxhall Mokka or a Ford Kuga, you will usually pay more for your insurance than somebody who drives a Ford Fiesta.

That’s why it’s important for 4×4 (or SUV) owners to compare as many different insurance quotes as possible to make sure you get the cheapest deal you can.

Are 4×4 insurance policies different?

Generally, 4×4 insurance policies are no different to policies for normal cars, with the exception of price, of course.

There are ComprehensiveThird Party OnlyThird Party Fire and Theft, short-term and 12-month policies available.

However some insurers on the mustard.co.uk panel offer specialist policies with added extras like off-road cover.

Why are 4x4s expensive to insure?

4×4 insurance policies are generally more expensive than insurance policies for smaller cars, like saloons, estates and hatchbacks.

The major reason for that is the insurance group a 4×4 falls into, with a number of factors influencing that group.

Things like repairs, including the cost of spare parts, safety features and the overall price of the vehicle all count towards your 4×4’s insurance group rating.

In total there are 50 car insurance groups and the lower the number of your car’s group, the less you will pay for your insurance.

Unfortunately for 4x4s, because of their cost and the potential costs of any insurance claim, means they sit in the higher insurance group bands.

Add-ons for your 4×4 insurance

Lots of insurers offer add-ons that can benefit 4×4 drivers and owners, especially if they’re serious about testing their vehicle’s capabilities in the mud.

Off road cover is one of the most common add-ons because it keeps you and your car covered when you take your 4×4 off the tarmac and into the mud.

So if you want to get your alloys mud-flecked and see how your 4×4 handles rough terrain, off road cover is a must.

How to save money on your 4×4 insurance

There are lots of ways you can save money on your car insurance and you can read about them on mustard.co.uk.

However 4x4s are a little bit different to hatchbacks and convertibles so the ways you can save money on your insurance can differ too.

  1. Join an owners club

Some insurers offer discounts for 4×4 drivers if you’re a fully-fledged member of an approved owners club or online forum.

So if you’re part of an off road group or a Land Rover owners club you could be eligible for a discount on your 4×4 car insurance.

  1. Keep your mileage down

The less miles you drive, the less you’ll pay for your car insurance, that’s a rule that applies to all types of cars including 4x4s.

  1. Think security

Parking your 4×4 in a secure garage or in a driveway can help you save on your 4×4 insurance.

Likewise, approved security devices, like alarms and immobilisers, can also lower the amount you pay for your 4×4 premium.

Why mustard.co.uk for 4×4 insurance?

At mustard.co.uk, we’re lucky enough to have a panel full of some of the leading insurance brokers in the UK.

Because we have some of the best insurers we can compare lots of different prices to ensure that you get competitive quotes.

We’re so confident that the mustard.co.uk way works that we will beat your cheapest online 4×4 insurance quote online thanks to our Cheapest Price Guarantee.

And if you’ve had enough of completing online forms, you can even compare 4×4 insurance quotes over the phone with mustard.co.uk.