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
News
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
Bribie Island 4X4 Guide: Tracks, Permits and Beach Driving
Beach driving, camping and plenty to explore, all without catching a ferry. Here’s what to know before pointing your 4X4 towards Bribie Island.
Read more
Beach driving, camping and plenty to explore, all without catching a ferry. Here’s what to know before pointing your 4X4 towards Bribie Island.
From the Driver’s Seat
When Did We Start Judging People by What They Drive?
There’s no one perfect 4X4, and no one right way to build one. Josh Leonard reflects on the lesson that shaped the way he sees the 4X4 community: be curious before being critical.
Read more
There’s no one perfect 4X4, and no one right way to build one. Josh Leonard reflects on the lesson that shaped the way he sees the 4X4 community: be curious before being critical.
Trips & Destinations
The Ultimate Overnight Double Island Point 4WD Adventure
Beach driving, soft sand, turquoise water and a night camped behind the dunes. Here’s how to turn Double Island Point and Teewah Beach into the ultimate overnight 4WD adventure.
Read more
Beach driving, soft sand, turquoise water and a night camped behind the dunes. Here’s how to turn Double Island Point and Teewah Beach into the ultimate overnight 4WD adventure.
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.