Over the last two decades 4x4 vehicles have captured the hearts of the young and restless. So nowadays it's just that there are many more 4x4 vehicles on the road there are a whole range of them, from premium to low cost.
The reasons why 4x4 vehicles have become so popular are many. The first one is that is a great family vehicle. It's the first choice when it comes to the school run. It has also come to be a lifestyle statement.
Most 4x4 vehicles are hardly ever off-roaded. UK car insurance companies have recognized this fact and offer standard car insurance for these vehicles just to conditions, of course. Many of the car insurance companies classify 4x4 vehicles in the upper segment and so you will have to pay for the premiums.
4x4 car insurance specialists
Owners of 4x4 vehicles should get their insurance quotes from aggregators, specialist brokers or go in for the tailored car insurance policies which car manufacturers' offer. There are also covers for off-road and liability covers for trailers, when attached to your vehicle.
There are a lot of reasons why your 4x4 vehicle commands a higher premium. The first thing is that they cause a lot of damage to other road uses and are normally better off in an accident.
High theft risk group
Insurance companies in most cases insist that you go for a fully comprehensive cover as some 4x4s are in the high theft risk group. These vehicles are also expensive to maintain and repair costs are high as spare parts and labour is expensive. The insurance on you 4x4 will have to cover accessories such air lockers, camping gear, towing equipment, fog lights, roof racks and snorkels.
So when you are out searching for the best and most affordable 4x4 car insurance deal in the market you should look for the 4x4 car insurance specialists. They will specific information about this kind of insurance and the specific 4x4 car insurance companies will also give you a lower premium.
There are discounts available if you buy online, if you insure more than on vehicle and if you have a fairly good no claims track record.
Read the terms and conditions carefully and if there is something that is not very clear make sure that you find out what that the fine print really means. Mileage is something you have to clear about. Some companies offer a cheaper premium if you vehicle logs up fewer miles. You may have to sign an agreement on what is the maximum annual mileage you are likely to clock. Remember if you exceed this then if you file a claim, it will be denied.
Also make sure that your 4x4 vehicle is insured for off-road use, which can be quite expensive.