4X4 Insurance

Off-road adventures sometimes require professional recovery services. Our 4X4 insurance can cover the costs associated with professional off-road vehicle recovery, reducing the financial burden in case your vehicle becomes immobilized or stuck in challenging terrain. As part of your policy, you have $1,500 coverage towards the cost of recovering your vehicle, with larger coverage amounts available.

Yes, that's what we specialise in! Off-road driving exposes your vehicle to various risks such as rock damage, water crossings, sand driving, rollovers, and recovery costs. Our 4X4 insurance provides coverage for these specific risks that are not typically covered by standard car insurance policies. We cover 4WDs, camper trailers, caravans and slide-on campers anywhere you're a to take them in Australia, on-road or off-road

AWD (All-Wheel Drive) and 4WD (Four-Wheel Drive) are terms used to describe drivetrain systems in vehicles, with 4X4 (Four by Four) being interchangeable with 4WD in referring to a four-wheeled vehicle with drive (or power) delivered to all four wheels. AWD systems are primarily designed for on-road use and automatically distribute power to all wheels as needed. 4WD or 4X4 systems are primarily designed to enhance off-road capabilities, with some vehicles being full-time four-wheel drive while others can be switched to 2WD (Two-Wheel Drive) by the driver. Simply put, the terms 4WD or 4X4 are a shorthand way to refer to a vehicle equipped with a four-wheel drive system.

Club 4X4 is often considered the most reputable and reliable insurance provider in Australia for 4WDers due to our:

Specialized Coverage: We specialize in 4X4 insurance as we're 4WDers ourselves, catering specifically to the unique needs and risks associated with off-road driving and 4WD vehicles by covering them anywhere they're allowed to go in Australia without the grey areas.

Agreed Value Coverage: We offer agreed value coverage, allowing policyholders to agree upon the realistic value of their vehicle, including its modifications, accessories and gear, from standard vehicles right through to the most heavily modified.

Off-Road Recovery: We are the only insurance provider offering coverage for off-road recovery costs, including professional towing and vehicle retrieval services, reducing the financial impact in challenging situations.

We offer both agreed and market value policies to suit your needs. Depending on various criteria we can work out what is available and best for your needs.

Absolutely! As an enthusiast we understand you will have your preferred repairer in some cases, but if you don’t, we have a network of recommended repairers across Australia who can help repair your vehicle.