Four-wheel drive and off-road car insurance

Find the right cover for your modified, accessorised 4WD vehicle to keep secure on and off the tarmac

While standard car insurance providers may agree to cover vehicles designed for off-roading on a case by case basis, you may find that your modified or accessorised vehicle needs specialised cover. It really comes down to the work you have done to your vehicle and if fits within the cover of a standard policy.

This guide runs through what to look for in policies, how to secure cheaper cover and some of the special features you might find with off-roading car insurance.

What is covered by specialised off-road 4WD car insurance?

Specialised off-road car insurance policies are often largely equivalent to comprehensive car insurance with a few additional features.

Full cover anywhere in Australia
Comprehensive over of accessories and modifications
Extended personal effects cover, to include items even while they are not necessarily inside the vehicle
Cover while your vehicle is in transit, including being loaded or unloaded from boats or trains
Includes cover of off-road recovery costs, for recovering an undriveable vehicle
Trailer cover, often included automatically and sometimes as an extra

Before you can get a quote, you’ll generally need to discuss it with an insurer and do a more in-depth application.

This is not only because of modifications, but also because you generally need to explicitly mention to insurers that you’ll be taking it off road, what kind of driving you do and how frequently you generally do it.

What additional options are there?

The additional options you’ll find with off-road car insurance depends largely on the policy. Some insurers might include some options automatically, while others won’t have them available at all.

Additional hire vehicle cover: Lets you get a replacement vehicle if you are unable to drive your vehicle due to damage from an insured event.
Excess free windscreen or window glass cover: Replacement of windscreen or window glass with no excess, following an insured event.
Additional off-road recovery costs: Lets you choose an additional cover amount for off-road recovery, where your policy includes this kind of cover.

Optional roadside assistance: This won’t help off road, but can still be a useful optional extra to consider.
Emergency accommodation and repair: If you get stuck a long way from home, this policy feature can help cover emergency repairs to get your vehicle operational again, and accommodation costs resulting from needing make unplanned stops.
No fault excess: No excess payable for claims where you are not at fault. Note that with all policies this generally means you will need to be able to prove that someone else was at fault.

Other options can include some savings as well as extra costs. For example, if you only go off-roading occasionally and don’t use the 4WD as your daily driver then you might want to look for a limited-use policy option or one that lets you specify a lay-up period.

What won't I be covered for?

The main exclusions to consider when you take out an off-roading policy are naturally whether or not a policy will cover you to take the vehicle on sand dunes, on a bush track or while you make your own track.

Other key exclusions you’ll generally find with almost all policies, no matter whether it’s standard car insurance or specialised 4WD, are:

No cover while driving under the influence of anything not prescribed by a doctor.
No cover outside of Australia.
No cover while your vehicle was being used for business or hire. If you take passengers offroad for pay, you’ll generally want to look at insuring a vehicle for business use.
No cover for rust, deterioration, rust, corrosion, electrical failure or breakdown following a failure to maintain your vehicle.
No cover while using your vehicle in a way that’s inconsistent with manufacturer specifications, even if you might have the modifications to do it.

However, just because a policy includes cover while off road, that doesn’t necessarily mean you will actually be covered.

There are some other key exclusions which might make or break a policy if you’re looking a more standard car insurance policy.

With accessories and modifications you’re generally only insured for what’s specified in your policy document. With all car insurance, whether standard or specialised for 4WDs, you’ll need to specifically ask about modifications.
Depending on the insurer some might not cover any performance affecting modifications, while others will only cover a few kinds. Custom suspension, engine modifications, roll bars and generally anything that affects how the car handles in any way counts as performance affecting, and can be harder to find cover for.
Unless your policy specifically says they’re covered, your modifications may not be insured.

Read the guide to modified car insurance

What impacts the costs?

Think about both the quoted premiums and the excesses when comparing costs. If a policy’s premiums seem suspiciously affordable, you might want to pay special attention to the excesses.

More than one excess can apply to a claim:

Basic excess: The standard excess that applies to most claims.
Age or inexperience excess: A driver under 25, or an inexperienced driver will often have an additional excess.
Special excess: A more individual excess applied based on factors such as driving history, type of driving you do, whether you drive in particularly high-risk areas and similar. Sometimes particular claims might incur an additional excess which needs to be paid on top of the others, such as with off-road recovery costs if a policy includes it.

The excess can have a significant impact on your premiums. A higher excess naturally lowers your premiums, and vice versa.

Factors that affect premiums

Premiums are generally based on how likely you are to make a claim.

Age: Under 25s can expect a higher excess.
Location: Where you live affects premiums, as well as whether you park the car in a garage or on the street.
Driving history: Previous claims and driving history affect your premiums.
Vehicle type: The more expensive the car, the higher the premiums. This includes the value of modifications and accessories.
What you use the car for: Insurers will often set premiums according to your driving habits and plans. If you’re planning on doing something different it may be a good idea to let the insurer know ahead of time to make sure you’ll be covered.

Compare comprehensive policies from Australian brands

Name	New Car Replacement	Pay monthly at no extra cost	Choice of repairer	Roadside Assistance	Hire car after theft	Personal effects
Bingle Comprehensive	Optional - If your car is written off in the first 3 years	No	No	No	Optional - Up to $50 a day until your claim is settled	$0	Save 24% on your policy if you've been claim free for 3 years.	Go to site View details	Compare	loading Fetching your data...
Budget Direct Comprehensive	Yes - If your car is written off in the first 2 years or is under 40,000 km	No	Yes	Optional	Yes - Up to $1,000 (Max 14 days)	$250	Buy online and save 15%.	Go to site View details	Compare	loading Fetching your data...
Youi Comprehensive	Yes - If your car is written off or stolen in the first 2 years	No	Yes	Yes	Yes - Reasonable costs (Max 14 days)	$750	Emergency roadside assistance included in Comprehensive policies.	Go to site View details	Compare	loading Fetching your data...
Real Comprehensive	Yes - If your car is written off in the first 2 years	No	No	Optional	Yes - Up to $70 per day (Max 14 days)	$500	Save up to 10% when you buy online.	Go to site View details	Compare	loading Fetching your data...
Virgin Comprehensive	Yes - If your car is written off in the first 2 years or is under 40,000 km	No	Yes	Optional	Yes - Up to $1,000 (Max 14 days)	$500	Save 15% when purchasing online. Eligible customers can earn up to 20,000 Velocity Frequent Flyer Points when purchasing a new policy by 31 Oct 2018. Excludes NT. Min 6mths policy & T&CS apply.	Go to site View details	Compare	loading Fetching your data...
Huddle Comprehensive	Yes - If your car is written off in the first 2 years	Yes	No	No	Yes - Up to $70 per day (Max 14 days)	$500	Transforms your driving so it's 100% carbon neutral.	Go to site View details	Compare	loading Fetching your data...
Hume Bank Comprehensive	Yes - If your car is written off in the first 2 years	Yes	Yes	No	Yes - Up to $100 per day (Max 30 days)	$1,000	Buy online and save up to 10% on your policy.	Go to site View details	Compare	loading Fetching your data...
AI Comprehensive	Yes - If your car is written off in the first year or is under 20,000 km	No	No	Optional	Optional - Up to $60 per day (Max 14 days)	$500	Save up to 20% on car insurance when you purchase cover online.	Go to site View details	Compare	loading Fetching your data...