4 x 4 Insurance

Get 4 x 4 Car Insurance at the Best Rate

Which 4x4 insurers do we work with?

We compare dozens of the biggest insurance providers in the country, including:

Insurance for Your 4x4

Are you are 4×4 owner looking for car insurance that doesn’t break the bank? Here at Proper Finance, we understand that driving a valuable or heavy car doesn’t mean you can pay the highest costs to get it insured. 4×4 models are fashionable, durable and spacious, making them popular among mums and dads as well as off-road drivers and young professionals. If you own a 4×4 and are shopping around for a good deal and great cover from a trusty insurer, look no further!

How Much Is 4×4 Insurance?

The cost of insuring your 4×4 vehicle will vary depending on the model you drive, how much you drive it and the overall condition of your car upon applying. 4×4’s are an increasingly popular style of car, in part due to their stylish exterior and the amount of space they offer inside. Many people purchase 4×4’s in place of more traditional family cars as a more glamorous alternative to a practical car that can seat many.

Whatever your reason is for purchasing a 4×4, it is vital that you get adequate insurance on it before hitting the road. You will need to consider the level of cover that you desire as well as how much use your car will get and how much it cost you in the first place. Many insurers will have to charge a bit more for more expensive cars to account for any fixes or replacements that might be necessary, but here at Proper Finance, we are able to pair you with lenders who are able to offer you a fair rate on your 4×4 insurance.

Get a Quote

4×4 Insurance Groups

The premium you are offered when shopping for motor insurance partially depends on the insurance group that your car falls into. Your vehicle will be rated between 1 and 50, with 1 representing the least risky vehicles for insurance companies.

Some 4×4 models fall into the higher categories (closer to 50 than to 1) because they are typically heavy and expensive to buy and repair. Weightier cars are more able to inflict damage upon other vehicles, but 4×4’s are less likely to be damaged themselves due to their strength. These factors, alongside the individual model and condition of your car, will be considered by insurers.

Because of the potential for insurers to charge more for insurance on 4×4’s than on other cars, it may be beneficial for you to get specialist 4×4 insurance with one of our lenders.

It is important to consider that if your vehicle has been modified, repaired, or if it has a history of failure, your premium may be higher to account for the added risk of driving it.

Why Apply for 4x4 Insurance With Proper Finance?


We aim to be as approachable as possible for our customers, and will always do our very best to assist you with any and all queries you may have concerning any part of our application process and more.

Fast decisions

Our online application only takes minutes to complete, with decisions being made very quickly after this. A member of staff will contact you to help you proceed with the final steps.

High quality

Proper Finance have more than 100 top-quality partners in insurance and loans.

Reputable and trustworthy

Each and every one of the providers we work with are fully checked to ensure their reputability, their trustworthiness, and furthermore their competency in helping to provide you with the financial services you require.

Free online application

The Proper Finance comparison site is free to use and there are no upfront fees for filling in our online application.

Get Off-Road Cover For Your 4×4

If you are a serious off-road driver, you might want to consider getting specialised off-road insurance that is able to cover the likely wear and tear of adventurous off-roading activity. Driving off-road opens-up your vehicle to damage caused by unfriendly terrains, so you may need the cover that reflects this risk.

If you don’t drive on public roads and use your 4×4 exclusively for off-roading, you will need to declare your vehicle officially off-road with the DVLA. Once submitted, you will no longer need to pay any road tax on your vehicle.

Some lenders will give you off-road cover as part of your insurance policy, and others may offer it as a separate policy altogether. Our insurance specialists at Proper Finance can help you to arrive at a policy that is best for you.

Limited Mileage Discounts

If you do not use your car to drive long distances, you may be able to get a lower premium with a low mileage agreement as part of your insurance terms. This way, your insurance will more accurately reflect the actual distance you cover. Some insurers allow any leftover miles from your annual agreement to be rolled over to the following year.

Alternatively, you might consider getting Pay-As-You-Go Car Insurance if you do not expect to drive long distances or particularly frequently.

The Criteria for Applying with Proper Finance

In order to get car insurance with one of Proper Finance’s trusted insurers, you must:

  • Be at least 17 years of age.
  • Hold a valid EU driving licence.
  • Be a permanent resident of the UK.
  • Have a vehicle that is owned and registered by you, your spouse, partner or civil partner at your address.
  • Have the relevant documents to prove that you, your spouse, partner or civil partner are the legal owner and primary driver of your vehicle.

Apply For 4×4 Car Insurance Today

Getting great 4×4 car insurance is easy with Proper Finance. Simply fill in a few of your details using our online form and you will be contacted by one of our trusted insurance partners. They will assist you every step of the way, helping you get a competitive quote for your vehicle and insured as effectively and quickly as possible.

We cover all makes and model of 4×4 and even modified vehicles in our policies. Upon contacting us, you will be asked to provide some basic details including your driver’s license, claims history and details of your vehicle so that we can help you precisely and effectively.

Our Lenders

We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs.