4×4 Insurance

Could you be saving money on 4×4 Insurance with Lancaster Insurance?

  • Modified 4×4’s Accepted

  • Off Road & Green laning Cover

  • 4×4 Club Member Discount & Limited Mileage Discounts

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4×4 Insurance

Lancaster Insurance Services have been insuring classic & specialist vehicles since 1984 and have developed several 4×4 insurance schemes which can offer benefits designed to suit 4×4 owners’ and off-road enthusiasts’ needs.

Working with carefully selected 4×4 insurance underwriters, Lancaster Insurance Services are confident we can offer the right insurance cover for you, at a price that meets your budget.

With our wealth of experience and knowledge of the Classic Car insurance industry, we can offer policies that cover the key benefits needed by 4×4 enthusiasts, including:

  • Off-Road & Green Laning cover

  • Limited Mileage Discount

  • 4×4 Club Member Discounts

  • 2 Year Agreed Valuation Available on Certain Policies

  • Choice of repairer option

Policy benefits, features and discounts offered on this page may vary between insurance schemes or cover selected and are subject to underwriting criteria. Some policy benefits may be at an additional charge.

4×4 Insurance that includes the correct cover you need at an affordable price can be hard to find, however Lancaster Insurance’s passionate and dedicated team will do their very best to find a policy that meets your demands, at a price that suits. So, why not give us a try?

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Why choose Lancaster for a 4×4 insurance quote?

Lancaster Insurance Services was founded in 1984 to provide ‘limited mileage’ insurance policies for specialist vehicles to the UK car insurance market and you can rest assured, we still have the same passion for insuring specialist vehicles and 4x4s as we did in 1984. Whether your vehicle is a standard 4×4 used for off-road & green-laning or a highly modified 4×4, we can find the right insurance cover to suit your needs, so why not give us a call today and speak to one of our experts?

Additional benefits available may include:

Agreed Valuation

Agreed Valuations provide a guaranteed pay-out for your vehicle based on its current condition and current replacement value, meaning if the worst were to happen and your vehicle is stolen or written off you can replace the vehicle with another vehicle in a similar condition and value rather than taking the chance of being paid ‘market value’. Market value on a classic or specialist vehicle can be considerably less than your vehicle may be worth as ‘market value’ doesn’t consider restoration costs, modifications, rarity or provenance and ‘market value’ isn’t specific to your vehicle where an agreed valuation policy is.

Club Member Discounts

Being a member of an owner’s club can provide extra discounts against your insurance. Our insurers believe owners clubs members give their vehicle more love, care and attention so they may reward you with extra discounts on this basis.

Limited Mileage Insurance

Often a true off-road or green laning enthusiasts 4×4 will be on the road less than your everyday vehicle often only being used at the weekend, holidays and high days and our insurers often reward you with extra discount for ‘limited mileage’ on this basis.

Modified 4×4 insurance

Remember to inform us of ALL modifications to ensure we provide you with valid like-for-like insurance cover for your vehicle as non-disclosure of modifications of any type can cause problems when making a claim.
You may pay a slightly higher premium at the start of your policy as your vehicle is modified but at least you know you are covered in the event of a claim if the modifications are identified as non-disclosure of modifications at any time during your policy can lead to claims being rejected by your insurer.

Laid Up Cover

If you are working on your latest 4×4 project and are concerned about theft or accidental damage cover for your vehicle whilst the work is carried out, you’ll be pleased to know you can protect your vehicle whilst it’s off the road in a garage or parked on your driveway and often premiums are cheaper than ‘on road’ cover as there is no third-party liability needed.