SPECIALIST INSURANCE FOR YOUR 4X4

We specialise in cover for classic and modified 4x4s based in the UK, which tend to be a second (or third, or fourth!) vehicle for their owners.

Whether you’re green laning, exploring rough terrain or beach buggy drifting, you need cover that protects your pocket if something goes wrong. We’ve chosen our insurers based on the cover they offer, so you can be sure of getting the protection your 4×4 needs.

With Heritage you can get free agreed value on classic 4x4s, a 15% discount if you’re a member of any car clubs or the Military Vehicle Trust, plus 90 days European cover as standard for those over the channel jaunts. You can also get a Skytag GPS tracker unit completely free when you take out cover with us.

FREE AGREED VALUE ON CLASSICS

If your 4×4 is a classic, say a Series Land Rover, an early Jimny or Land Cruiser, you can get agreed value on your policy completely free. With agreed value in place, if you have to make a total loss clam you’ll know exactly what the insurance payout will be, and you won’t be subject to market rates at the time of the claim.

MODIFICATIONS WELCOME

While not everyone’s cup of tea, modifications are common with a lot of 4x4s and we don’t shy away from covering these. Let us know what you’ve got and we’ll quote you accordingly – it’s important to be accurate to make sure your insurance stays valid.

Our modified 4×4 cover is designed specifically for vehicles being used for off roading and green laning, not for standard road use.

NEED A QUOTE? WE'LL CONTACT YOU PROMPTLY.

Send us a few details below and we’ll get in touch to discuss your cover needs. If you prefer to give us a ring when it suits you, call 0121 248 9253 – we’re open Monday-Thursday 8:30am to 5:30pm, Fridays until 7pm and Saturdays 9am – 1pm.

FREE SKYTAG GPS TRACKER

4x4s can be at more risk of being targeted for theft, which is why we find a lot of our 4×4-owning customers take us up on our exclusive offer of a free Skytag GPS tracker unit. The tracker activates whenever the vehicle moves outside the zone you designate, and live data can be shared with the police in the event of theft, to aid in a speedy recovery. To get your tracker, just ask when you take out a policy with us (or at any point thereafter). Skytag tracking is a subscription service; for more information click here.

IS MY 4X4 A CLASSIC?

Not sure if your 4×4 is a classic? It’s not all down to age – sometimes a classic can be newer but qualify for specialist cover for other reasons. To qualify for specialist vehicle insurance, traditional classic or otherwise, your 4×4 will usually need not to be your main vehicle and be doing under 5,000 miles a year. If you’re not sure, give us a call and one of our insurance advisers will happily discuss it with you.

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ADDITIONAL OPTIONS HERITAGE INSURANCE CAN PROVIDE

Road Rescue

Our road rescue cover will rescue you and your vehicle if you breakdown.

Replacement Courtesy Car

If you’re involved in a road traffic accident, we’ll arrange a courtesy car for you to get you back on the road.

Heritage Motor Legal

Get cover of up to £100,000 for any legal costs involved in claiming against an uninsured driver, injury compensation claims and recovering uninsured losses.

Excess Protect

Don't be left out of pocket after paying your motor insurance excess - choose from three cover limits.

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