Navigating your insurance coverage…

Many people ask us whether our insurance policy covers them when they take their vehicle off-road.

Whether a weekend trip with the family up fire trails in an all-wheel drive SUV, or the quintessential odyssey to the Cape in a decked out dedicated 4×4, it pays to have a policy that is clear on your insurance coverage off-road.

Club 4×4 was designed to cater for the 4×4 enthusiast, with the aim to remove the “grey” when it comes to your insurance. Let’s face it, whilst our hobby affords us amazing opportunities to see parts of this magnificent country that cannot be seen from the bitumen, often we have made a significant investment into our adventure machines so you ought to have peace of mind.

It is important to us that our coverage is clear. Whether you are travelling on a gazetted or not gazetted track, cross country, or on the bitumen, we have you covered. However, as the driver you are still responsible to be aware of the legalities of where you are driving.

So make sure you have permission to cross through that paddock or land during your journey and obey road closure signs, warnings and directions from police and authorities at all times.

As always read and check your PDS and policy wording so you understand your coverage.

If you have any questions call and speak to your insurer. If you like the idea of black and white versus grey, call us on 1800 CLUB 4X4 or go to our website to see our PDS or to get a quote at Club 4×4, Insurance for 4×4 enthusiasts. The insurer is The Hollard Insurance Company Pty Ltd, AFSL No. 241436, (Hollard).  Club 4X4 Pty Ltd is an authorised representative of Hollard, No. 1235616.

Any advice provided is general only and insurance coverage is subject to the policy terms and conditions.  Underwriting eligibility criteria applies to insurance applications. You should read the PDS available at to decide if this product suits your needs.