Services
Camping & Touring Gear Insurance
4WDs carry all sorts of gear to make the trip more memorable & we can cover the bits that aren’t bolted down under our Australia-wide personal effects cover

Personal Effects Insurance
What Can We Cover?
If it’s portable & you take it 4WDing, touring or camping, chances are we can cover it
Automatically Included
Every 4X4 policy comes with $2,000 of personal effects cover for things like a basic recovery kit & camping essentials
Upgrades Available
For those who like to be prepared with the right gear, the limit for personal effects cover can be increased to $5,000 or $10,000
Even the Good Stuff
Individual items over $1,000 must be specifically listed on your policy in order to be covered.
Australia Wide
Portable gear covered as personal effects is insured anywhere in Australia, with or away from the vehicle
Loss or Damage
Lost your recovery kit? Storm ripped through camp? Snapped strap scattered your gear? These things happen but can be covered
Camping Gear
Things like your swag, jet boil, camp chairs, fishing rods and recovery gear are examples of the kind of gear covered by our personal effects cover.

MODIFICATIONS
Cover Your 4WD & Its Modifications
Whether it’s a custom build, or some upgrades, we can cover modifications to your 4WD, Caravan or Camper Trailer as a separate agreed value.
Benfits
Why Choose Club 4X4?
If you’re after cover designed for your next trip, read on!
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 Modified 4WDs
Heavily modified? Touring Australia? Heaps of gear? No sweat!
Get Your Quote Right Now
Our free, no-commitment online quote tool can get you covered in no time!
BLOG
The Campfire
Warm up with weekly articles aimed at adventure

Stay up to date
Stay up to date with news, guides, tips & offers