When you travel full time, you don’t just drive a 4X4 - you live in it. Every mod, every upgrade, every tweak under the bonnet or on the canopy has been added with purpose. Comfort. Capability. Safety. Reliability. It’s not about showing off at the servo. It’s about having the right gear, in the right place, ready for whatever the road (or lack of one) throws your way.
We know that because we live it. After six years on the road, we’ve travelled everywherefrom coastal tracks to remote outback highways where entire days can pass without seeing another soul.
Touring Mods Aren’t Just Accessories, They’re Essentials
It started with a lift kit. Then came the long-range tank, the dual battery system, the bar work, the winch, the comms gear, the drawer system, the fridge slide, the roof rack, the lighting setup, the towing mirrors… and the list keeps growing.
And here’s the thing… every one of those upgrades came with a cost. Not just the hardware, but the labour, the time, and the careful planning behind it. You don’t just build a touring vehicle overnight. You build it with intent. With long hours and longer road trips in mind.
But what many travellers don’t realise, at least not until something goes wrong, is that all of that gear isn’t always covered the way you’d expect it to be.
4wd being worked on in a workshop
Not All Insurance Is Built for Touring
We’ve heard the stories. Friends and fellow travellers caught short after an accident, only to learn their insurer would only replace the standard vehicle, not the thousands of dollars’ worth of mods they’d added. The market value didn’t come close to what their rig was actually worth. The winch? Not covered. The suspension? Nope. The install costs? Not a chance.
When you live on the road, that’s a deal breaker.
4wd at dusk with lights on in outback
That’s Why We Chose Club 4X4
The difference with Club 4X4 was clear from the start. They get it. They understand touring rigs because they build them too. With Club 4X4, we were able to list all our modifications and accessories under a separate agreed value, including installation costs. That part’s huge.
It means if something happens, a crash, a fire, a total loss, we know we’re covered not just for the vehicle, but for the setup we’ve spent years creating. The very setup that lets us travel off-grid, stay safe, and explore this country with confidence.
aerial shot of 4wd driving through the outback
Real Coverage for Real Travellers
For us, it’s not about flashy upgrades. It’s about function. Our mods allow us to stay out longer, reach harder-to-get places, and feel confident towing our Zone RV off road van through the middle of nowhere.
Having them properly covered means if something goes wrong, we don’tstart from scratch. We can rebuild what we had, and get back on the road faster.
Because for full-time travellers like us, this lifestyle isn’t just a holiday. It’s home.
So, here’s the takeaway:
If you’ve invested in a serious touring setup, make sure your insurance is just as serious. Club 4X4 lets you cover your mods, accessories, and install costs as part of your agreed value -giving you the peace of mind to keep exploring, no matter what.
Comprehensive insurance
For all your mods
Testimonials do not contain any financial product advice and are based on the individual’s circumstances. Issued by Club 4X4 Pty Ltd as an AR of Lifestyle Insurance Group who is acting (under its own AFSL) on behalf of the insurer QBE Australia Limited. Excesses, limits and exclusions apply. Always read the PDS & TMD at club4X4.com.au.
Part of our complete guide to planning your Big Lap of Australia.
