4x4 Insurance

4x4 insurance is an insurance policy that covers the risks associated with driving four-wheel-drive vehicles off-road. In certain instances, this is not a separate insurance policy but rather additional cover that may be added to a car insurance policy to cater for off-road vehicles. This cover is only for vehicles that are manufactured with four-wheel drive capabilities and that are intended to be driven on non-urban terrain.

Given the perils associated with driving off-road, insurers often put limitations on the use of the vehicles and the territories covered. They may also stipulate that the driver obtain specific off-road driving permits and that the vehicle be fitted with specific equipment (such as the type of tyre to be used). (Members of off-road clubs such as the Four Wheel Drive Club of Southern Africa may get discounted premiums.)

4x4 insurance covers the same risks as car insurance with additional benefits such as electrical or mechanical breakdown, emergency rescue and associated equipment (camping, hiking, hunting and scuba equipment for example). Often, insurers allow for the addition of caravans, trailers, all-terrain vehicles and off-road motorbikes on the policy.