Services
Insurance For Modified 4WDs
Whether you’ve made a few upgrades or built your dream 4X4 from the ground up, we can cover your 4X4 and the modifications that make it yours.
MODIFIED 4WD INSURANCE
WHAT CAN WE COVER?
From subtle tweaks to full-on builds, no two 4WDs are the same — and that’s the point! However you've built yours, we’re here to help you protect it.
We Get What It Costs
Anything fixed to your 4WD that's aftermarket and non-consumable can be insured at an agreed value, separate to your vehicle’s sum insured — even if your build ended up bigger than you first planned.
More Than a Pile of Parts
A lot of work goes into kitting out 4WDs, which is why we also cover labour & installation costs, so you can rebuild your 4WD, from electrical to fabrication to fitting accessories.
Details Are Important
Love your colour-coded accessories? Fitted your favourite gear and won't settle for anything else? Great — we'd love to cover the 4WD mods that make yours special!
Lift Kits & GVM Upgrades
Stock suspension only gets you so far. As long as your 4WD is road-registered and not used for motorsport, we can cover suspension upgrades as part of your 4WD modifications cover.
Even The Oily Stuff
Sometimes the modifications you can't see are the ones doing the heavy lifting. So if you've modified your driveline with upgrades like an aftermarket gearbox or diff locks, we can cover it.
Performance Modifications
Considering a power upgrade? We can cover performance mods from intakes, intercoolers and exhausts right through to fuel system upgrades, turbos, dyno tunes and more.
PERSONAL EFFECTS
WE COVER YOUR GEAR TOO!
We can insure portable items like camping equipment, fridges and other touring essentials — whether they're with your 4WD or temporarily away from it.
Benefits
WHY CHOOSE CLUB 4X4?
Whether you’re running school drop-offs or chasing red dirt sunsets, our policies offer cover wherever you can legally take your modified 4WD — on-road or off-road.
Insurance You Can Trust
We aren’t like the rest, building our reputation on honesty & industry know-how.
By 4WDers, For 4WDers
We get you because we love exploring Australia too, on- & off-road!
We Love What Others Fear
Heavily modified? Touring Australia? Heaps of gear? No sweat!
Get Your Quote Right Now
Looking to insure your modified 4WD? Our free, no-commitment online quote tool can get you covered in no time!
FAQs
Frequently Asked Questions
Modified 4WD insurance refers to insurance that recognises and covers modifications and accessories added to a 4WD vehicle. This can include upgrades like suspension lifts, bar work, rooftop tents, and more.
They absolutely can be — we know your build is just a part of the journey. Many 4WD enthusiasts modify their vehicles to enhance performance, including aftermarket accessories like bull bars, winches, and suspension lifts. These 4WD modifications increase the value of the vehicle and require specialized coverage, which Club 4X4 can provide. It’s about making sure you’re covered for what your 4WD is really worth, not just how it left the factory.
No problem. Whether your vehicle is complete or a work-in-progress, we can help you get insured. Just let us know what you’ve done and what’s planned — we’ll work with you to make sure your current setup is covered appropriately. You can also increase your modifications cover at any point during your policy period to make sure any new additions are covered.
Yes, that’s our specialty! Our comprehensive policies are designed to cover your modified 4WD both on-road and off-road, anywhere you’re legally allowed to drive in Australia.
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