Prevention and Protection: 5 Things you need to know about 4wd Insurance cover

Prevention and Protection: 5 Things you need to know about 4wd Insurance cover

Off-road coverage overlaps with that which is provided for 4WD vehicles. As one might imagine, there is one big difference: 4WD covers are usually only available for vehicles with four-wheel drive. It is sometimes possible to find off-road coverage for cars that are not designed to be used off-road. Be aware that some car insurance policies would not cover off-road usage for 4WD vehicles. It is essential to understand the details of your policy before you decide to take your 4WD off-road.

Several off-road vehicles are designed to be primarily used off-road, which are often covered in 4WD covers. For a company that specializes in desert dune exploration, such a cover would be perfect. It is a fact that many insurance companies will provide this type of coverage, without charging any extra, for vehicles considered to be off-road capable. However, four-wheel-drive car insurance is appropriate for off-road vehicles that are designed for use on rough terrain. The vast majority of them, that is.


This vehicle’s descriptions differ slightly from one another. In a legal sense, insuring a 4WD car versus a 4X4 vehicle is probably not much different. What makes the difference between the two is just how the power gets to the wheels.

  • 4WD: According to the vehicle’s information, it has four motorized wheels. However, it does not mention how many there are.
  • 4×4: The four wheels on the vehicle are powered, while there are only two powered wheels in a 4×2 vehicle, a four-wheeled vehicle with only two powered wheels on it.
  • AWD: A vehicle’s power is sent to all of its wheels.

In any case, it should be noted that a vehicle that can transmit power to all of its wheels is not always configured. Depending on the situation, drivers can choose between transferring energy between the two wheels and four wheels.


Some 4WD vehicles are being modified, or they are not being registered. On top of negligence (or laziness), a document called the National Code of Practice for Light Vehicle Construction and Modification, also known as Vehicle Standards Bulletin #14 (VSB 14), outlines what modifications are allowed for a 4WD to be legally considered. As VSB 14 is currently marked as a “live” document, it will be updated and reflected accordingly if the document is changed or added to in the future. However, because of the grey areas in the paper, an individual or their insurance company must spend many hours deliberating to determine whether or not they can claim for a 4WD or any of its accessories.


A standard car 4WD insurance policy is pretty similar to the type of coverage included in a plan for off-roading. In terms of the types of automobile insurance for 4WDs, there are three major types: comprehensive, collision, and liability. Aside from the above benefits, you will also receive coverage for personal belongings, off-road recovery, and emergency repairs in any case of total loss. We will look at a few of these options and see what they can do for you.

  • Comprehensive: Insurance coverage that is designed to cover non-collision-related damages. If you have your 4WD damaged by falling objects, vandalism, or theft, you can apply for reimbursement. However, it does not cover stolen goods.
  • Collision: Accidental damages resulting from auto accidents are covered by the insurance. It is essential to know that your vehicle is covered for repairs if you get into a fender-bender while driving.
  • Liability: Insurance coverage for third-party damage. As with CTP, liability insurance covers damage to others, as well as legal costs and damages to one’s property.
  • Total Loss Replacement: There is coverage for the entire vehicle. As a result of having your 4WD totaled, you can either replace it with a new model of equal value or have enough cash to buy a new one.
  • Vehicle Hire Cover: Insurance for a temporary vehicle. It is a benefit that pays for the rental car if you need to have your vehicle repaired. The rental periods differ between insurance companies.
  • Personal Effects Cover: If something gets stolen or damaged, you will be covered. The company will reimburse the number of your personal belongings that are lost or damaged in the vehicle. The coverage does not include things like modifications and accessories such as those related to 4WD vehicles.
  • Off-Road Recovery: Stalled vehicle coverage; If your vehicle breaks down, if you get stuck in immovable terrain, or if you get stuck in an unexpected area, the insurance covers towing and winching expenses.
  • Emergency Repair Coverage: In case of a quick fix, you will be covered. There may be times when you need urgent repairs to get your car to a service station. This insurance will cover any of those repairs.

You must look at the Product Disclosure Statement (PDS) whenever you are considering insurance benefits. Even though companies offer all kinds of benefits, most of them require you to meet some conditions and parameters for them to pay you. If you have customized your 4WD off-road to handle off-road terrain, ensure your policy covers it, and your coverage extends to off-road terrain. Do not be afraid to ask for information about a company’s benefits if you are not sure. If there is something you are concerned about, don’t hesitate to voice your concerns. Usually, you’ll be given coverage for emergencies, but if you do not follow the terms of the policy, the company will not hesitate to end the contract.