4x4 Car Insurance You Can Count On

At Be Wiser you can depend on our quality products and first-rate service from our insurance professionals to find the 4x4 insurance cover you need.  Driving in challenging conditions is one thing, but don’t take risks when you’re searching for insurance. We’ll make sure your insurance cover provides you and your vehicle with the protection you need. 
  
As a Be Wiser customer you can also look forward to free breakdown cover, misfuelling cover, free claims assistance and free bag and gadget cover.  Be Wiser with your choice and get a quote now.

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4x4 vehicles are increasing in popularity, with a wide variety of differing models on the market – including hybrid and electric models. There are many benefits to owning a 4x4, including:

  • Great traction and stability to handle the toughest of roads and surfaces
  • Higher ride height for more visibility on the roads
  • Increased interior space for journeys
  • Enough power to comfortably tow caravans and trailers

Do I Need Specialist 4x4 Insurance?

Whilst there’s no specialist insurance cover required for driving 4x4 vehicles on regular roads, you may want to consider whether a standard policy meets your driving needs, or if you require additional policy extras. For example:

  • Towing Vehicles: If you are planning to tow a caravan or trailer with your 4x4, check that your policy covers this use as standard.
  • Off-Road Use: If you are intending to venture off the beaten track with your 4x4, check that your policy has you covered. Not all rural roads are covered as standard by insurance - for more information, read our guide on Green Laning.

How Much Does 4x4 Insurance Cost?

The cost of your 4x4 car insurance is calculated by taking into consideration your age, driving experience, convictions, the vehicle, its insurance group and other factors. As cost of spare parts and repairs can be higher than average, due to the surfaces and conditions they are used in, 4x4 cars are more likely to fall into a more expensive insurance bracket. The size of 4x4 vehicles also leaves them more likely to cause significant damage in collisions or accidents, which may also be factored into the insurance cost.

The best ways to reduce the cost of your 4x4 car insurance premium would be to:

  • Install an alarm or mobiliser for extra security
  • Store your car in a safe place such as a garage or driveway
  • Increase your voluntary excess
  • Paying for your insurance annually rather than monthly
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Why Be Wiser

We Offer Wiser Value

We Offer Wiser Value

  • FREE Gadget & Bag Cover
  • FREE Misfuelling Cover
  • Multi Vehicle Discounts
  • Panel Of Leading UK Insurers
We Won't Leave You Uncovered

We Won't Leave You Uncovered

  • FREE Breakdown Cover
  • FREE Claim Assistance
  • FREE 3 Months Personal Accident Cover
We're Lovely To Deal With

We Are Here For You

  • 24/7 Free Phone Claims Helpline
  • UK Based Staff & Offices
  • Friendly & Experienced Staff

For full details on all our free policy extras - click here

About Your Quote

In order to reduce the number of questions you need to answer, we’ve made some assumptions about your eligibility to get a quote using our online quote engine. Please help us speed up your online quotation by clicking here to check you meet this criteria.


If the below information does not apply to you, we may still be able to provide you with a quote over the phone – please call 0333 003 8450 to speak to our friendly insurance specialists.

Please Read Carefully

To help with your online quotation please have the following information to hand:

  1. The personal details of all drivers
  2. Full details of the vehicle to be insured
  3. Details of any claims or convictions for all drivers
  4. Details of any No Claims Bonus claimed

Please help us speed up your online quotation by confirming that the conditions below are correct.

  • All drivers are permanent residents of the United Kingdom and do not have more than one occupation.
  • All drivers are legally entitled to drive in the UK and have a valid licence.
  • None of the drivers have any medical conditions which must be legally disclosed to the DVLA.
  • None of the drivers have any non-motoring convictions unspent under the Rehabilitation of Offenders Act e.g. theft, dishonesty, or fraud.
  • None of the drivers have ever had insurance refused, cancelled, voided, or special terms imposed on any insurance policy.
  • The vehicle has not been modified in any way from the manufacturer's standard specification and does not exceed 7 seats.
  • The vehicle is not registered as a Q plate.
  • You own the vehicle and it is registered in your name. The vehicle will be kept at your home address.
  • The vehicle will not be used for private hire, competitions, rallies, trials, track days, off road events or for any purpose in connection with the motor trade.
  • As part of the quotation process you may be contacted by us as further discounts and benefits may apply.

It may be that you cannot comply with these criteria. If this is the case please call us free on 0333 003 8450 and we will be happy to assist you.

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