How much does Insurance on Back in Black cost?

How much does Back in Black actually cost to insure?

This week, you may have seen the video the guys from all4adventure posted about the cost of Back in Black.  If you haven’t you can check it out below. 

Jase and Simon reveal how much Back in Black actually cost

It certainly is an impressive rig, and the modifications on it are eye watering – in fact unattainable for most of us. It was a huge number that these guys came to, although working for a 4X4 insurance specialist, I have to say that it is becoming more and more common to see vehicles with mod values that equal or exceed the vehicle value by a significant sum.  It was that thought which got me wondering (and I’m sure you’re curious too) – how much are you going to have to outlay to insure a beast like that?  I mean you are talking a mods value well over twice the value of the vehicle itself!

A truck driving down a dirt road

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‘Back in Black’ is a pretty special 79 series build…

Providing a value on what it costs to insure is a dangerous thing for an insurance company like us, because the price I’m going to talk to here is actually based on an individuals’ personal circumstances.  This effectively means that the price in this instance is based on the vehicle itself (it’s value, how often claims to this vehicle happen, and how expensive this vehicle is to repair), where It is located, how it is stored, who drives it (and their age, driving, and claims history), and a range of other factors. Any variance to even a single factor here can alter the price, which means that in the real world, the price we can offer you might not be the same, or even close, even if the vehicle value is identical.  I want to be clear about that because this is how insurance works. While this is an indication of a price, if you were to get a quote with Club 4X4, the price you are offered could well be different based on your personal circumstances.

A person riding a bike down a dirt road

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Jase and Simon are the main listed drivers on the policy

Anyhow, moving on.  Based on Jase’s personal circumstances, the criteria mentioned above, and the information provided to us as part of the quote process, I can confirm that the cost for Club 4X4 to insure Back in Black is $3,852.94.

To provide some context to this, the vehicle is stored in a locked garage, the excess payable is our standard $850.00 excess, and no additional cover like windscreen or hire car after an accident has been selected. Roadside assistance was not added, and neither was additional off-road Recovery cover, given Jase and Simon’s skills at getting themselves out of trouble. Additionally, the policy has a restriction on under 25’s driving the vehicle, Jase and Simon are the only listed drivers on the policy, and there is a multi-policy discount in play given Club 4X4 also insures their D-Max and 200 Series.

I did some playing around in our quoting system to better understand how different combinations would affect pricing, and I’ve learned that the key things that appear to affect the price for Jase and Simon is where the address the vehicle is kept and how it is stored (locked garage), their ages (they are both comfortably over 35), the age restriction they’ve added, and their driving and claim histories.

As a comparison price, by selecting a Sydney inner CBD address, changing the storage method of the vehicle to a secure carpark, a main driver age of 30 (with an under 25 age restriction but a clean driving and claims history), and a higher $1,200 excess, the price comes in at $7,540.00.

As mentioned before, this is no guarantee of what price you’d be offered if you were to come to Club 4X4 to insure a really special vehicle, but hopefully will give you a bit of context.

If you’ve got something pretty special that you wanted to insure, and the value is going to anything close to Back in Black, you’ll need to set aside some reasonable coin to insure it.

While this might seem like a lot of money, and in fact it is possible if you are the worst possible combination of insurance factors to be well beyond this, in reality it is actually pretty good value considering that no-one in their right mind is going to build something that expensive and then take the chicken track (and we wouldn’t either!)

I hope you’ve found this interesting.  I know I did when I looked into some of the detail!



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Comments 22

    1. Post
      1. Aiden, i dont think there are $190,000 in mods, i think the total ‘value’ including the cost of the mod’s is $190,000, if that’s correct the mods would be circa $115,000 assuming the new cost is circa $75,000… agree? Is the sum insured Agreed Value?

        1. Post

          Hi Mike, at Club 4X4, we have an agreed value, made up of the vehicle value and mods value. I can confirm the 190k is mods only…

        1. Post

          Hi Ray, I can’t remember the exact vehicle value listed, but yes 190k in mods alone, meaning the total sum insured is somewhere between 250 and 260k

          1. Interesting how club 4×4 wouldn’t insure my ‘modified’ 79 to the value of the vehicle + mods.
            yes the sum insured is better than what others would do.
            Yet Your above article implies you are insuring vehicles for their entire cost value..

          2. Post

            Hi Mick,
            Thanks for reaching out. I can’t really comment on this without understanding a little more about your vehicle and situation, but there are times where due to the age of a vehicle, valuing at replacement cost isn’t reasonable. I’m happy to take a look, and if you feel the vehicle should be valued at more, speak to our underwriter if that suits? Simply email me at and I’ll take a look.

            Kind Regards,


    1. Post

      Thanks Tim! This is a pretty extreme example of a vehicle, which is why the cost is quite high. But yes it is way too easy to forget just how much we spend on our vehicles!

  1. Eye watering…but a great vehicle. What the article highlights (importantly) is there are many factors that go into pricing insurance and it is good you indicate this in the article.

    Often you see people wanting to compare insurance premiums paid for the same vehicle, but not taking into account all the other inputs…

    Good article, thanks.

      1. Post
        1. The one above where on October 16 I asked if the roll over on first trip out would affect drivers history and consequently premium?

          1. Post

            Thanks Mick, this would depend on whether there was an insurance claim. Our underwriting questions Centre on claims and history and driving infringements/issues. If this led to a claim, yes it would impact, but if a claim wasn’t lodged then no. Hope that helps,

  2. I think Club 4×4 are a bit of a rip off. I have a 2020 VX Land Cruiser 750 stretch. total cost including mods, $165k (so far)
    No under 25 driver $1,k access Club 4×4 $3,450. They also stated If the road was not gazetted, No insurance cover. Which means. Don’t leave a dirt road. (some 4×4 insurance company)
    After some shopping around. Got another quote, no under 25, $1,k Access. If I go off road, and are there legally, (not trespassing). I am covered. Not so with Club 4×4.

    1. Post

      Hi, Steelo, I’m not sure who told you this, but we do cover you anywhere in Australia as long as you are legally allowed to be there. Someone has given you poor information unfortunately. Happy to look into this further if you want to email me at Kind regards, Aiden

  3. Interesting to see how far you can go and the costs of it all.

    How good would it be if the Boys actually drove a vehicle that was almost standard and within reach of the masses, instead of a full lolly shop

  4. Optioned to the Max with no doubt Sponsors throwing their free products at Jase and Simon. Jealous, Hell Yeah !!!, Great Vehicle, Absolutely !!!. Aiden did Club 4×4 factor when applying the underwriting and policy calculation the fact that Jase rolled the 79 on the second day after completion. Claim or not, driving styles and traffic offences do, and are probably the biggest considerations for any insurance company.

    1. G’day Glenn,

      Sorry about the delay here mate. We did receive your comment about your response being moderated and I can confirm we do that – unfortunately at times there are bots that post some less than favourable material and if we don’t get to it on time it means we have all manner of posts here that are not relevant and sometimes offensive.

      Regarding your question to Aiden, the underwriting question for claims for Club 4X4 is relevant to the driver. If a claim was lodged for the damage regarding the incident you note above, then yes it would’ve been considered. Unfortunately I cannot give out any further information due to privacy legislation.

      And you’re absolutely right, driving history including claims and driving infringements are such a huge part of the underwriting process and can have a significant effect on premium or even acceptability of the policy.


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