Because of their unique capabilities off road -- and the fact that due to their size, an accident is likely to cause a lot of damage -- 4x4 vehicles such as Land Rovers and pickup trucks cost more to insure than many smaller vehicles. It is important to get the right 4x4 insurance for your vehicle if you want full protection.
Third Party Cover...
The minimum policy for four by four vehicles on UK roads is third party liability cover. In the event of an accident, the policy will pay out for damage to the other driver's vehicle as well as injury pay outs. Of course, your own vehicle would not be covered in this scenario.
What about a bit more...
The next level of 4x4 cover, third party plus fire and theft, will protect the car owner in the event of vehicle theft and of damage in a fire, plus like basic vehicle insurance it will of course pay out for third party damage. For full vehicle protection, that includes cover for your vehicle during a road accident, a comprehensive policy should be purchased.
Off-road and Greenlaning cover...
Ironically, 4x4 insurance for off road use is not mentioned above. This is because a typical agency does not include off-road coverage in their 4x4 policies. Drivers who need to be insured for a race or who take the vehicle off-roading or greenlaning on a regular basis need an agency specialising in serving off-road enthusiasts. Some events offer race-day coverage policies for those taking part.
Remember, if you're looking for a lower premium cost, offer to pay an excess or consider joining a 4x4 club. Insurance companies consider club members to be safer drivers. Also, if it is greenlaning cover you're looking for, their are still many brokers that can help insure your vehicle.