Free the 4WD with comprehensive insurance that covers you anywhere you can legally go in Australia.
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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Free the 4WD
From beaches to bush tracks to water crossings, we cover 4X4s, Caravans and Camper Trailers anywhere they’re allowed to go & can recover them when things go wrong.
Club 4X4 Insurance
Aug 19 2025
Aug 19 2025
Club 4X4 Insurance
Trips & Destinations
Is Victoria’s “Big Desert” Really a Desert?
Big Desert might not look like the deserts you're picturing, but beneath Victoria's mallee scrub lies some of the state's best sand driving. From remote campsites to surprisingly challenging tracks, here's what to expect before you go.
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Big Desert might not look like the deserts you're picturing, but beneath Victoria's mallee scrub lies some of the state's best sand driving. From remote campsites to surprisingly challenging tracks, here's what to expect before you go.
Trips & Destinations
Is Winter Camping Better in Queensland?
Think winter means packing away the camping gear? Think again. From Cape York and Tropical North Queensland to Carnarvon Gorge, K'gari and the Outback, winter is one of the best times to explore Queensland. Cooler days, comfortable nights and endless camping opportunities make it the perfect season to hit the road.
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Think winter means packing away the camping gear? Think again. From Cape York and Tropical North Queensland to Carnarvon Gorge, K'gari and the Outback, winter is one of the best times to explore Queensland. Cooler days, comfortable nights and endless camping opportunities make it the perfect season to hit the road.
Trips & Destinations
Little Desert Victoria – Is It Better Than Big Desert?
Little Desert might sound like the smaller sibling, but don't underestimate it. With sandy 4WD tracks, riverside camping, wildflowers and easier access than Big Desert, it offers one of Victoria's most versatile off-road adventures. But does that make it better? Here's how the two deserts stack up.
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Little Desert might sound like the smaller sibling, but don't underestimate it. With sandy 4WD tracks, riverside camping, wildflowers and easier access than Big Desert, it offers one of Victoria's most versatile off-road adventures. But does that make it better? Here's how the two deserts stack up.
COMPREHENSIVE INSURANCE
4X4 Insurance
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
We Love Modified 4X4s
We understand how expensive 4X4 builds can be, so 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
Our Australia wide personal effects cover includes portables like fridges & camping gear, even when away from the vehicle, with $2,000 included & higher limits available.
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 $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 that is completely the fault of a third party, and 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 allowed to go & can recover them when things go wrong
We Love Modified 4X4s
We understand how expensive 4X4 builds can be, so 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
Our Australia wide personal effects cover includes portables like fridges & camping gear, even when away from the vehicle, with $2,000 included & higher limits available.