Club 4X4 insurance review

With Club 4X4 insurance, you can get specialist insurance that covers 4X4s, caravans and camper trailers.

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By

James Martin

Edited by

David Gregory

Updated

Fact checked
Club Comprehensive 4x4 Insurance

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Pros

  • Comprehensive policies available for 4X4s, caravans and camper trailers, plus any accessories these vehicles require.
  • Recovery insurance add-on available, covering mechanical breakdowns or faults not caused by an insured event.
  • If you have an accident that is determined to be at the fault of a third party, Club 4X4 will waive your excess payment.

Cons

  • No cover available if you are driving your vehicle in an unsafe zone or in an overloaded condition.

Comparison of Club 4X4 car insurance

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
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Club Comprehensive 4x4 Insurance
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Standalone
  • If your car is written off in the first 2 years
  • Up to $180 per day - Up to 21 days
    • Who it might be good for: Drivers of 4WDs or 4x4s looking for wide-ranging protection ahead of their next driving adventure.
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    Finder Score for car insurance

    We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.

    Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

    Read the full methodology

    Why choose Club 4X4 insurance?

    • Add-ons automatically included: From debris cover to alternative accommodation cover, your policy is automatically jam packed with additional benefits, providing an even greater layer of protection.
    • Modifications covered: Club 4X4 covers modifications to your vehicles as a separate agreed value, allowing you to make your off-road journeys fully your own.
    • Faultless excess: Club 4X4 features faultless excess. This means if you have an accident where you are not at fault, your excess is waived.
    • Cover built for adventurers: Club 4X4 is insurance built for adventurers by adventurers. They provide policies and customer support that aligns with the needs of off-road drivers.

    Frequently asked questions

    Sources

    To make sure you get accurate and helpful information, this guide has been edited by David Gregory as part of our fact-checking process.
    James Martin's headshot
    Written by

    Journalist

    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, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. 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

    James's expertise
    James has written 181 Finder guides across topics including:
    • Car, home, life, health, travel and pet insurance
    • Managing the cost of living
    • Money-saving tips
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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.

        James Martin's headshotFinder
        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 contactus@club4x4.com.au.

        All the best,
        James

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