Comprehensive Insurance
4X4 Insurance
We can cover your 4X4, and the modifications that you have made to it.
4x4 Insurance
Features
We can’t all get away as much as we’d like but when a chance for adventure pops up, it’s nice to know you’re covered
We Go Wherever You Can
From beaches to bush tracks to water crossings, we cover 4X4s anywhere they’re allowed to go & can recover them when things go wrong
We Love Modified 4X4s
We understand how expensive 4X4 builds can be, so we cover modifications as a separate agreed value to the base vehicle, including the labour costs to have the modifications installed.
We Cover Gear Too
Our Australia wide personal effects cover includes portables like fridges & camping gear, even when away from the vehicle, with $2,000 included & higher limits available.
Off-Road Recovery Cover
If your 4X4 is stuck enough to need help from a professional, we cover up to $1,500 in recovery costs with the option to upgrade to $5,000, $15,000 or $30,000
New Vehicle Replacement
All Club 4X4 policies offer new replacements for vehicles that are less than 24-months old following a total loss claim by the first registered owner
Faultless Excess
If you have an accident that is completely the fault of a third party, and you can provide the required details, we’ll waive your excess payment.
We Go Wherever You Can
From beaches to bush tracks to water crossings, we cover 4X4s anywhere they’re allowed to go & can recover them when things go wrong
We Love Modified 4X4s
We understand how expensive 4X4 builds can be, so we cover modifications as a separate agreed value to the base vehicle, including the labour costs to have the modifications installed.
We Cover Gear Too
Our Australia wide personal effects cover includes portables like fridges & camping gear, even when away from the vehicle, with $2,000 included & higher limits available.
MODIFICATIONS
Cover Your 4WD & Its Modifications
From a few tasteful modifications to having all the gear, we’re passionate about ensuring your 4WD is appropriately insured, offering agreed value on your vehicle and its modifications.
OFF-ROAD RECOVERY
Even the Best Plans Go Off Track
Where the 2WD roads stop, so does most roadside assistance, which is why every 4X4 policy comes with off-road recovery cover to get you out of trouble
Benefits
Why Choose Club 4x4?
If you’re after comprehensive cover designed for your next trip, read on
Insurance You Can Trust
We aren’t like the rest, building our reputation on honesty & compassion
By 4WDers, For 4WDers
We get you because we love exploring Australia too, on-road & off-road!
We Love What Others Fear
Heavily modified? Touring Australia? Heaps of gear? No sweat!
Insurance You Can Trust
We aren’t like the rest, building our reputation on honesty & compassion
By 4WDers, For 4WDers
We get you because we love exploring Australia too, on-road & off-road!
We Love What Others Fear
Heavily modified? Touring Australia? Heaps of gear? No sweat!
Ready for a Quote?
Complete a quote online or call us on 1300 296 296
Our products
Optional Extras
Our policies are loaded with automatic inclusions, but you can upgrade your cover.
Excess-Free Glass Cover
Add cover for glass damage or breakage without the need to pay an excess
Reasonable cost of replacement
1 excess-free claim per policy period
Off Road Recovery Cover
If you’re travelling remotely & get stuck, professional recovery can be expensive
Professional recovery off-road if you breakdown, or just get stuck enough to need help
$1,500 included as standard, with the option to upgrade to $5,000, $15,000 or $30,000
$200 excess + 5% of recovery cost
Additional Vehicle Hire Cover
Add cover for a similar hire vehicle in the event your vehicle can't be driven following an insured event
Up to 14 days covered
Up to $100 reimbursed for travel costs to/from the repairer or hire car depot
FAQs
Frequently Asked Questions
Off-road adventures sometimes require professional recovery services. Our 4X4 insurance can cover the costs associated with professional off-road vehicle recovery, reducing the financial burden in case your vehicle becomes immobilized or stuck in challenging terrain. As part of your policy, you have $1,500 coverage towards the cost of recovering your vehicle, with larger coverage amounts available.
Yes, that's what we specialise in! Off-road driving exposes your vehicle to various risks such as rock damage, water crossings, sand driving, rollovers, and recovery costs. We cover 4WDs, camper trailers, caravans and slide-on campers anywhere you're a to take them in Australia, on-road or off-road
AWD (All-Wheel Drive) and 4WD (Four-Wheel Drive) are terms used to describe drivetrain systems in vehicles, with 4X4 (Four by Four) being interchangeable with 4WD in referring to a four-wheeled vehicle with drive (or power) delivered to all four wheels. AWD systems are primarily designed for on-road use and automatically distribute power to all wheels as needed. 4WD or 4X4 systems are primarily designed to enhance off-road capabilities, with some vehicles being full-time four-wheel drive while others can be switched to 2WD (Two-Wheel Drive) by the driver. Simply put, the terms 4WD or 4X4 are a shorthand way to refer to a vehicle equipped with a four-wheel drive system.
Club 4X4 is often considered a specialist insurance provider in Australia for 4WDers due to our:
Specialised Coverage: We specialize in 4X4 insurance as we're 4WDers ourselves, catering specifically to the unique needs and risks associated with off-road driving and 4WD vehicles by covering them anywhere they're allowed to go in Australia without the grey areas.
Agreed Value Coverage: We understand how expensive 4X4 builds can be, so we cover modifications as a separate agreed value to the base vehicle, including the labour costs to have the modifications installed.
Off-Road Recovery: We are the only insurance provider offering coverage for off-road recovery costs, including professional towing and vehicle retrieval services, reducing the financial impact in challenging situations.
We offer both agreed and market value policies to suit your needs. Depending on various criteria we can work out what is available and best for your needs.
Absolutely! As an enthusiast we understand you will have your preferred repairer in some cases, but if you don’t, we have a network of recommended repairers across Australia who can help repair your vehicle.
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