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Club 4X4 insurance review

With Club 4X4 insurance, you can get wide-ranging protection for your 4WD and enjoy some competitive cover limits. Your caravan or camper trailer can also be covered – all under one provider.

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Club Comprehensive 4x4 Insurance

If you're looking for wide-ranging insurance for your 4WD, Club 4X4 insurance could meet your needs. With features such as off-road recovery and a replacement vehicle if yours is stolen, a Club 4X4 policy has you covered from multiple risks on the road. There are also a few different ways to score policy discounts with this Hollard-backed provider.

We don't currently have this brand on our panel. But don't fret! You can head to the Club 4x4 car insurance website or compare a bunch of other car insurance companies with finder.
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About Club 4X4 insurance

Club 4X4 offers a comprehensive insurance plan that covers drivers anywhere in Australia, as long as their 4X4, camper trailer or caravan is legally allowed to be there. Those with a sense of adventure can enjoy peace of mind that they'll have strong cover ahead of a trip, including if they plan to head off-road. Plus, those all-important 4X4 accessories and mods can be insured. Let's take a closer look.

More on the features of Club 4X4 comprehensive insurance

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Standard features

Club 4X4's comprehensive insurance policy includes a number of features, such as the following:

  • Theft, fire and third party property damage
  • Legal liability cover
  • New vehicle replacement – for a total loss, within 24 months, of a vehicle's first registration
  • Up to $2,000 in personal effects cover (option to add more cover)
  • Up to $1,500 in off-road recovery costs (option to add more cover) – for one claim per policy term
  • Vehicle hire cover. Get up to $180 a day for 21 days if your vehicle's stolen (option to add more cover)
  • Up to $1,000 for loss or damage to a trailer attached to a vehicle (covering the trailer only; not its contents)
  • Up to $1,000 for replacement locks and keys
  • Choice of repairer
  • Cover for your vehicle's modifications and accessories
  • Up to $500 in emergency travel and accommodation costs
  • Up to $500 in cover for child or baby seats
  • Transit cover – in case your vehicle's damaged while it's being transported
  • Towing and storage costs as a result of loss or damage
  • Multi-vehicle discount – combine 2 or more policies and get a discount of up to 10%
  • Discounts for 4x4 training – save on your policy by completing a recognised 4X4 driver training course
  • 14-day cooling-off period, after taking out a policy

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All policies have incidents they won't cover. Policy exclusions can differ, but generally, they'll include the following:

  • No cover while driving under the influence of anything not prescribed by a doctor
  • No cover outside of Australia
  • No cover if your vehicle's being used for any unlawful purpose
  • No cover in the event of too many passengers or towing a load that's too heavy
  • No cover if your vehicle's being driven in an unsafe or overloaded condition
  • No cover if you're carrying or storing explosives or flammables

Read Club 4X4's product disclosure statement (PDS) – available on its website – to learn more about the provider's policy exclusions.

Keep in mind you'll need to pay an excess to make a claim on your insurance. This is what you need to pay upfront towards the cost of making a claim. Excess options should be stated when you sign up. At the time of writing, the lowest excess available with Club 4X4 was $650.

According to Club 4X4, you could reduce your premium in 3 ways: paying for your insurance annually, increasing your basic excess or adding age restrictions excluding drivers below a certain age from cover.

Bottom line about Club 4X4 car insurance

Club 4X4 comprehensive insurance policy is both flexible and set up to meet a wide range of risks for drivers – whether they're on- or off-road at the time when trouble strikes. Cover limits are pretty competitive and you'll have choice that goes beyond cover for your 4WD and its accessories: you can also choose caravan, camper trailer, slide-on camper or 5th wheeler insurance.

Meanwhile, optional covers with Club 4X4 include roadside assistance and excess-free windscreen or glass cover. You can further boost your insurance with additional vehicle hire cover, off-road recovery costs and personal effects cover. You'll need to pay extras to add these features to your cover.

Frequently asked questions

Leave a Club 4X4 car insurance review

If you hold, or you've held a Club 4X4 car insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Club 4X4 is right for them. Some reviews may be from a survey commissioned by Finder.

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To make sure you get accurate and helpful information, this guide has been edited by David Gregory as part of our fact-checking process.
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James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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James has written 258 Finder guides across topics including:
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2 Responses

    Default Gravatar
    ZacharyJanuary 30, 2023

    Wanting to get my 1990 Nissan gq patrol insured through you guys it is lifted and has bigger tyres then factory and is mod plated. It had a lot of engine work and it will be used for both on and off road use.

      JamesJanuary 31, 2023Finder

      Hi Zachary,

      We currently don’t have this brand on our panel. Please visit Club 4×4’s website to sign up for a cover.

      For further questions or concerns, you may ring them on 1300 296 296 or send an email to

      All the best,

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