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Classic 4x4 Insurance

Classic 4x4s, the old breeds

Don’t get bogged down searching for the best insurance for your classic 4×4. Talk to experts with over 50 years experience insuring vehicles just like yours.

Classic 4X4S, The old breeds

Rugged, no-nonsense machines designed and engineered to cover the roughest of ground with ease. Classic 4x4s have survived on the most adventurous expeditions across the waters, as work horses on farms and as crucial support for our emergency services.

Now many classic 4x4s are in the hands of devoted owners who cherish them in more sedate surroundings. So if you need to insure your classic 4×4 with an insurer, choose one that understands the special bond between you and your classic 4×4, whether it be a Land Rover, Jeep or Toyota.

Classic 4×4 Insurance Explained

There are several elements to our specialist 4×4 insurance that you will not find on general motor vehicle insurance. In the case of Classic 4×4 policy, you will get:

      • Discount for 4×4 club members
      • Free Agreed Valuation
      • Cover for any modifications
      • Cover for green-lane driving
      • Up to 90 day cover for driving in the EU
      • Full windscreen damage (excludes damage occurring during off-road and green-lane)
      • Optional breakdown cover

Classic 4×4 Insurance Eligibility?

Your classic 4×4 will qualify for our Classis 4×4 insurance if can satisfy the following criteria.

      • Is your 4×4 over 25 years old?
      • Do you drive less than 5,000 miles annually?
      • Do you keep it safe away from the daring off-road sections?
      • Are you aged 25 or over?


Road Rescue Single Vehicle

When you add our Road Rescue Single Vehicle breakdown policy you get benefit of knowing that no matter where you are in the UK, you will be rescued in the event of  a mechanical breakdown. Click here to learn more about [Road Rescue] or ask our team for details.

MAPS Legal Cover

Should the unthinkable happen and you are involved in an accident in any of your vehicles, our MAPS Legal Motor Cover will help ensure you are not left out of pocket. Not only that, in conjunction with Classic Friendly, you get to choose the garage or repairer for your cherished classic to give you peace of mind that your car will be restored (if possible) to its full glory. Ask our team for more details.

Heritage KeyCare

It might go without saying how much inconvenience is caused by a lost or stolen key to your valuable classic. With KeyCare we will get you back on the road with the minimum of fuss. Ask our team for more details.

FREE Skytag tracker

As a customer of Heritage Insurance you can claim a FREE Skytag GPS Tracker Unit worth up to £249.99*. Skytag is a small GPS device that you can fit to your vehicle with ease. Once activated it allows Skytag to track your stolen car and in conjunction with the police , recover it quickly. Click here to learn more

* annual subscription required to activate.

Multi Car Insurance

While we are quoting for your Classic 4×4, why not let us quote for your all your vehicles. Our Multi Car insurance places all your vehicles under one policy for the convenience of one renewal date. When coupled with our Road Rescue Multi Car – one breakdown policy will cover all your vehicles. Ask our team or find out more about multi car insurance here

Get a Quote

If you would like a quote please complete the form below and we shall call you back as swiftly as possible. If you prefer to contact us directly then you can call us on 0121 248 9229 to see how much we could help you today.

Frequently asked questions about Classic 4×4 insurance

My 4×4 Is My Everyday Car, Can You Insure Me?
No. Our Classic 4×4 insurance is designed for enthusiasts who own a classic 4×4 for weekend adventures.

Do You Cover Camping Equipment?
No. Our Classic 4×4 insurance is designed to cover your vehicle only.

I’m A Member Of A 4×4 Response Team, Is This An Issue?
Not at all. Just let us know what type of response member you are and whether it is paid or voluntary.

I’m Under 25 Years Old, Can You Cover Me?
No. The minimum age for our Classic 4×4 insurance is 25.


Policy Options and Benefits

Automatic cover for greenlaning

Free Agreed valuation and certificate – We arrange a specialist insurance scheme which offers you a free agreed value alongside your policy. Should the worst happen and you find yourself with a total loss claim, we will pay you the agreed amount of the vehicle less the policy excess.

Discounts of up to 15% for classic car club members. The true enthusiast knows the importance of joining a classic car club. We reward your loyalty with a discount of up to 15%.

The option to retain salvage, should the worst happen. In the case of a total loss claim, you have the option to buy back your vehicle at the agreed value rate.

Up to 90 days’ cover for use in the EU – Travel abroad with no worries. Our classic car policy includes full comprehensive cover for use in Europe.

Full windscreen replacement service

Option for an uninsured loss recovery service (Legal Protection)

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