Comprehensive Insurance
4X4 Insurance
Wherever the road leads — from the daily commute to remote bush tracks, our 4WD insurance is designed to protect the lifestyle you’ve built around your vehicle.
4x4 Insurance
Features
A 4WD isn’t just another car. Whether you’re all about family trips or hardcore touring, it’s built to take you places most vehicles never will. That’s why it helps to get specialist insurance for 4WDs — recognising the modifications, the gear, and the adventures that come with them.
We Go Wherever You Can
From beaches to bush tracks to water crossings, we cover 4X4s anywhere they're legally allowed to go and can recover them when things don’t go to plan.
We Love Modified 4X4s
We know how much effort (and investment) goes into a 4WD build. That's why 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
It’s not just the 4WD — it’s the gear that makes the trip special! Our Australia-wide personal effects cover includes portables like fridges & camping gear, even when away from the vehicle, with $2,000 included and higher limits available.
Off-Road Recovery Cover
When the bitumen ends, standard roadside assistance often won’t follow. That’s why all our 4WD insurance policies include 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 and we agree that it is completely the fault of a third party, if 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 legally allowed to go and can recover them when things don’t go to plan.
We Love Modified 4X4s
We know how much effort (and investment) goes into a 4WD build. That's why 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
It’s not just the 4WD — it’s the gear that makes the trip special! Our Australia-wide personal effects cover includes portables like fridges & camping gear, even when away from the vehicle, with $2,000 included and higher limits available.
MODIFICATIONS
Cover Your 4WD & Its Modifications
From a simple lift kit to a fully kitted tourer, every 4WD tells a story. We're passionate about ensuring your 4WD is adequately protected for its adventures, offering agreed value cover on your vehicle and its modifications.
OFF-ROAD RECOVERY
Even the Best Plans Go Off Track
Adventure doesn't stop where the road stops — and neither should your cover. Our 4WD car insurance is built to go beyond the bitumen, with specialised off-road recovery support that helps you keep the adventure moving when the track gets tough.
Benefits
Why Choose Club 4x4?
If you're after comprehensive 4WD insurance in Australia for your next trip, read on.
Insurance You Can Trust
Since 2015, Club 4X4 has been protecting the lifestyle of Australian 4WDers. We have built our reputation on honesty & industry know-how.
By 4WDers, For 4WDers
We know the tracks because we drive them too. From cross-country tours to quick weekend escapes, we share the same thirst for adventure as the people we insure.
Built for Every Adventure
Adventure looks different for everyone. Whether you’re tackling iconic off-road routes, touring scenic countrysides, or driving your 4WD around town, our specialised cover is designed for 4DWs to back your journey.
Insurance You Can Trust
Since 2015, Club 4X4 has been protecting the lifestyle of Australian 4WDers. We have built our reputation on honesty & industry know-how.
By 4WDers, For 4WDers
We know the tracks because we drive them too. From cross-country tours to quick weekend escapes, we share the same thirst for adventure as the people we insure.
Built for Every Adventure
Adventure looks different for everyone. Whether you’re tackling iconic off-road routes, touring scenic countrysides, or driving your 4WD around town, our specialised cover is designed for 4DWs to back your journey.
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
Blog
The Campfire
Read up on all things 4X4, adventure and lifestyle
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. The good news is, we’re built for where the blacktop ends, helping you go further with your adventures — literally! 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.
At Club 4X4, we’re proud to be part of the same community we protect. Since 2015, we’ve built specialist 4WD insurance designed for the lifestyle you live — on-road and off. Here’s what sets us apart:
Specialist Cover: Built for 4WDs: We understand the difference between a daily driver and a fully kitted tourer. Our insurance is designed for the unique challenges, risks, upgrades, and journeys that come with owning a 4WD in Australia.
Mods and Gear Recognised: From lift kits to drawer systems, we know how much time and passion goes into your build — 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, you can explore the options available and choose what is best for your needs.
Absolutely! As 4x4 enthusiasts ourselves, we understand you will have your preferred expert repairer in some cases, but if you don’t, we can help.
Subscribe Today
Stay up to date with news, guides, tips & offers