4X4 Insurance

We cover 4X4s for what they’re really worth, including modifications & gear

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4X4 off road


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

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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

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Mad About Modified 4X4s

We get how expensive 4X4 builds can be, so we cover modifications as a separate agreed value to the base vehicle, including labour, to cover rigs for what they’re really worth

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We Cover Gear Too

Our personal effects cover includes portables like fridges & camping gear, even when away from the vehicle, with $2,000 included & options for $5,000 or $10,000

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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 $15,000 or $30,000

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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

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Multi-Vehicle Discount

Save up to 10% on the second & subsequent vehicles insured with us with one number to call to manage your policies


Here's What Our Customers Have to Say

Rated 4.6 / 5 Excellent

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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

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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 comprehensive insurance for your next trip, read on

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Insurance You Can Trust

We aren’t like the rest, building our reputation on honesty & compassion

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By 4WDers, For 4WDers

We get you because we love exploring Australia too, on-road & off-road!

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We Love What Others Fear

Heavily modified? Touring Australia? Heaps of gear? No sweat!

Optional Extras

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

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Vehicles up to 4.5 ton GVM

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Breakdowns & emergency fuel

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Key replacement, locksmith or courier

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Excess-Free Glass Cover

Add cover for glass damage or breakage without the need to pay an excess

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Windscreens or window glass

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Up to $1,000

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1 claim per policy period

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Off Road Recovery Cover

If you’re travelling remotely & get stuck, professional recovery can be expensive

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Breakdown or just stuck

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Upgrade to $15,000 or $30,000

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$200 excess + 5% of recovery cost

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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.

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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-road

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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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