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Modified 4x4 Insurance

Specialist insurance for your specialist modified 4×4

We know adding modifications can improve the safety and performance of your 4×4. While most insurance companies shy away from modifications, we don’t. Insuring specialist and modified vehicles for over 50 years, get a quote from the experts.

Modified 4×4 Insurance explained

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

  • Discount for 4×4 club members
  • Cover for any modifications
  • Cover for off-road and 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

Modified Land Rover & 4×4 Policy eligibility

Your 4×4 will (in most cases) qualify for our Modified 4×4 insurance if it satisfies the following criteria.

      • Discount for 4×4 club members
      • Is your modified 4×4 10 years old or more?
      • Do you cover 5,000 miles or less* in your modified 4×4?
      • Are you aged between 25 and 75?

* If you are planning a trip and you require more mileage, the option to purchase additional mileage is available
* Please note… if you are aged 25-29, then you may have to be registered as a club member to be eligible for our insurance.


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].

Multi Car Insurance

While we are quoting for your Modified 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 click here for more details

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 modified 4×4 insurance

My 4×4 Is My Everyday Car, Can You Insure Me?

  • No. Our Modified 4×4 insurance is designed for enthusiasts who own a modified 4×4 for off-road adventures.

Do You Cover Camping Equipment?

  • No. Our Modified 4×4 insurance is designed to cover modifications to 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 Modified 4×4 insurance is 25.


Policy Options and Benefits

Automatic cover for greenlaning.

Discounts of up to 15% for 4×4 club members. The true enthusiast knows the importance of joining a offroad of 4×4 club. We reward your loyalty with a discount of up to 15%.

Automatic cover for offroading (at a club organised event)

Up to 90 days’ cover for use in the EU – Travel abroad with no worries. Our modified 4×4 policy includes full comprehensive cover for use in Europe.

Full windscreen replacement service.

Whether performance enhancing or adding safety features to your vehicle, we understand that adding a modification doesn’t make you a boy racer. Call us on 0121 248 9229 to discuss your modified 4×4 modifications.

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.

For just £30 extra we can cover camping accessories. We know that many of you enjoy camping at shows and going on adventures. Cover all your camping gear with our new add-on. Option for an uninsured loss recovery service (Legal Protection). Option for European and UK breakdown cover.

With some of our schemes you can accrue NCB so you don’t have to worry about losing your hard earned years.

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