We cover 4X4s for what they’re really worth, including modifications & gearGet a Quote
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
Mad About Modified 4X4s
We Cover Gear Too
Off-Road Recovery Cover
New Vehicle Replacement
Cover Your Rig & Its Bits
From a few tasteful mods to having all the gear, we’re passionate about actually agreeing with our customers on the value of their vehicles to cover rigs for what they’re really worth
Here's What Our Customers Have to Say
Peace of Mind with Unbeatable Touring Cover
Great speedy service during my claim. Great to have full coverage of my Ute and all my accessories. I wouldn't get insurance like that with any other company. I have had many modified cars over the years, and I have never had such complete coverage. Great peace of mind when I am out enjoying my 4x4 camping with the family.
Off-Road Recovery - Anywhere in Australia
Those guys basically saved our trip, after an unfortunate experience with Nolan’s creek in Cape York, my dear Patrick (Nissan Patrol) did not survive... Even if we were not long time adherent, all the Club 4X4 staff were incredibly helpful and friendly and sort us out from that unfortunate event. I chose them again for my Hilux insurance and trust them 100%. Definitely recommend if you're a 4X4 enthusiast and if you need reliable insurance. Thank you again guys.
True Off-Road Coverage for Your Rig, Mods & Gear
This is the place to go for your 4x4 insurance. The people I spoke to are unbelievably helpful. They understand what you want to do with your 4WD and cover you for everything at an awesome price as well.
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
Why Choose Club 4x4?
If you’re after no-nonsense insurance for your next trip, read on
Insurance You Can Trust
By 4WDers, For 4WDers
We Love What Others Fear
Our policies are loaded with automatic inclusions, but you can upgrade your cover.
4X4 Roadside Assistance
Don’t get stuck with roadside assistance that doesn’t understand 4X4s
Vehicles up to 4.5 ton GVM
Breakdowns & emergency fuel
Key replacement, locksmith or courier
Excess-Free Glass Cover
Add cover for glass damage or breakage without the need to pay an excess
Windscreens or window glass
Up to $1,000
1 claim per policy period
Off Road Recovery Cover
If you’re travelling remotely & get stuck, professional recovery can be expensive
Breakdown or just stuck
Upgrade to $15,000 or $30,000
$200 excess + 5% of recovery cost
Frequently Asked Questions
Off-road adventures sometimes require professional recovery services. Our 4X4 insurance can cover reimbursement of 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.Learn more
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. Our 4X4 insurance provides coverage for these specific risks that are not typically covered by standard car insurance policies. We cover 4WDs, camper trailers, caravans and slide-on campers anywhere you're a to take them in Australia, on-road or off-roadRead More
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 the most reputable and reliable insurance provider in Australia for 4WDers due to our:
Specialized 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 offer agreed value coverage, allowing policyholders to agree upon the realistic value of their vehicle, including its modifications, accessories and gear, from standard vehicles right through to the most heavily modified.
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.
Ready for a Quote?
Complete a quote online or call us on 1300 296 296
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