4x4 Off-Road Insurance



Using your 4x4 off road requires special insurance and this is an area in which we excel here at Premium Choice.  Please see our 4x4 off road page and also the first page of our 4x4 insurance FAQs and then contact us for more advice and the cheapest quotations in the market.  

Please note that in all cases you should refer to the law on any questions relating to the use of 4x4 vehicles on or off the public highway.   Your use of your vehicle is your own responsibility and you should place no reliance on the information below, which is merely intended to be helpful and which may not be current.

 
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Do you offer ‘agreed value’ on 4X4 policies?

We do not offer agreed value on 4X4 policies but do take into consideration the total value of the vehicle including all modifications.

Do you insure 4x4’s which have been modified?

Yes, but you should talk to us about this at the time of taking out the policy or before considering making modifications.  It is possible that an extra premium may be payable.

Do I need to disclose all of the modifications on my 4X4?

We recommend that you disclose all modifications on your vehicle and will send you a form to list them on.  Please remember that failure to disclose modifications may invalidate your insurance.

Can I add other vehicles to my policy?

Provided the other vehicles are also 4X4 and are being used for offroading we can add them to your policy.  We can also insure any other vehicles owned by you under a multi-policy agreement, subject to terms and conditions, and you might find that there are significant discounts to be obtained.

Do I get a discount for being a club member?

We offer discounts of up to 15% for club members.  If we have allowed the discount you will have to provide details of your membership.

What other discounts might be available?

You could get discounts for limited mileage, extra security, insuring other vehicles, and many more.  Please contact us for details on 0800 130 3744, ask us to call you back, or send us an emailed enquiry. 

What happens if I exceed my mileage limit?

You must call our Customer Service Department who should be able to increase the mileage limit on your policy.  If the mileage can not be increased you may have to cancel the policy and take out a new one.

Am I covered if I’m driving in the EU?

We can provide cover for driving in the EU – please contact us for details.

Further information about off-roading and green-laning?

The government department DEFRA has a useful PDF about this whole area.  You can find it here:  http://www.defra.gov.uk/rural/documents/countryside/crow/regulating-motorvehicles.pdf


These FAQs for 4x4 owners are spread over two pages :-

4x4 Off Road Insurance FAQs  - Page One

4x4 FAQs – Page Two (this page)


4x4 off road insurance from Premium Choice - 0800 130 3744

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