Image

Expert Advice

Rewarding Safe Drivers

If accidents didn’t happen, insurance wouldn’t exist, but we feel that safe drivers who take steps to reduce risk should be rewarded.

Image
Club 4X4 Insurance
Feb 29 2024

Feb 29 2024

Image

At Club 4X4 Insurance, we value the importance of safe driving, on-road and off-road. Sure, safe drivers are less likely to make a claim, which affects our customers’ insurance premiums, but there’s more to it than that.

We encourage customers to have adventures with their vehicles, whatever that means to them and wherever that road (or lack thereof) may lead. Australians face a diverse range of risks behind the wheel, especially in regional and remote areas, so we feel that customers who take steps to become safer drivers should be rewarded.

Explore With Confidence

Our insurance covers 4X4s, camper trailers and caravans anywhere you're allowed to take them, on-road & off-road

Learn More

Drivers who have completed driver training generally become safer drivers; sounds obvious, right? That’s why completing off-road or towing driver training that includes both theoretical and practical elements can positively affect Club 4X4 Insurance premiums.

If a customer has completed recognised driver training in the last 5 years, this can be a positive rating factor, joining information like location and driving history to inform a customer’s risk profile and calculate their premium. Any previous driver-training-related savings applied to an existing policy remain in place.

Image

We recognise eligible training from Registered Training Organisations (RTOs), with Getabout and Tow-Ed offering our customers a discount on their training and even training some of our staff! In response to customer feedback, we also recognise eligible training from non-RTO facilitators,including4WD clubs, emergency services and military bodies.

We proudly support 4WD clubs as ambassadors of safely and sustainably enjoying our favourite hobby and offer members of 4WD clubs that we are partnered with a 5% discount. Follow us on Facebook, Instagram, YouTube or Tiktok and keep up to date with our initiatives to protect the lifestyle we love for generations to come, like our sponsorship of the K’Gari Clean-Up.

Image

Many 4WD clubs offer driver training that members must complete before joining club trips. Pair an eligible driver training course from a 4WD club and a 5% discount for members of clubs that we’re partnered with, and you could skill up and save at the same time!

Have an idea of other ways that we can reward safe drivers? We’d love to hear from you.

Image
Club 4X4 Insurance
Blog

Discover other stories

View all

Warm up with weekly articles aimed at adventure

A woman putting a swag onto a 4WD's roof racks

Reviews & Comparisons

What is the Best Swag for Your Next Adventure in 2026?

From rugged solo setups to spacious double swags built for touring couples, we’ve rounded up the best swags in Australia for 2026. This guide covers what to look for, the latest swag trends, and the top-rated models from brands like Darche, 23ZERO and OZtrail so you can sleep comfortably under the stars.

Read more  

From rugged solo setups to spacious double swags built for touring couples, we’ve rounded up the best swags in Australia for 2026. This guide covers what to look for, the latest swag trends, and the top-rated models from brands like Darche, 23ZERO and OZtrail so you can sleep comfortably under the stars.

Lucky Bay panoramic shot

Trips & Destinations

Esperance: Australia’s Most Underrated Coastal Paradise

Esperance might just be Western Australia’s best-kept coastal secret. With snow-white beaches, electric blue water, epic 4WD tracks and easy access to Cape Le Grand National Park, it delivers everything travellers love about the WA coastline, without the crowds.

Read more  

Esperance might just be Western Australia’s best-kept coastal secret. With snow-white beaches, electric blue water, epic 4WD tracks and easy access to Cape Le Grand National Park, it delivers everything travellers love about the WA coastline, without the crowds.

Hino 300 Series 4X4 light truck towing a caravan

Reviews & Comparisons

Best Light Truck Australia: The 4X4 Buyer's Guide

Light 4x4 trucks are quickly becoming the go-to solution for Australian tourers and tradies pushing beyond the limits of traditional utes. With significantly higher payload, flexible setups, and serious off-road capability, these trucks unlock a new level of freedom. Here’s what you need to know before making the jump.

Read more  

Light 4x4 trucks are quickly becoming the go-to solution for Australian tourers and tradies pushing beyond the limits of traditional utes. With significantly higher payload, flexible setups, and serious off-road capability, these trucks unlock a new level of freedom. Here’s what you need to know before making the jump.

View all