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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.
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.
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
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
Exclusions
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
Club 4x4 is underwritten by The Hollard Insurance Company Pty Ltd (Hollard).
Club 4X4 has a range of eligibility requirements. Examples include that your vehicle must be roadworthy and registered with the relevant transport authority in Australia.
Always take into account your specific needs and circumstances prior to signing up for a policy to understand in full the specific coverage and exclusions of your car insurance.
Some of the providers who also offer specialist insurance for 4X4 driving include NMRA, CGU and DGA Insurance.
You can read more about 4WD insurance in our comprehensive guide.
If you have an inquiry about your policy, you can reach Club 4X4 on 1300 296 296 – Monday to Friday 8-6pm (AEST) and Sat-Sun from 9-12pm (AEST).
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.
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).
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.
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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.
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