Modified 4×4


• Cover for a wide range of off-roading modifications: snorkels, winches, additional lighting rigs, suspension changes, rock sliders, and more
• Cover for off road and green lane driving: protection where you need it most
• 90 days’ European driving cover as standard, so you know you have protection when you head abroad. Ask us what countries are covered when you get a quote
• £500 glass cover (includes damage sustained off road)
• Optional breakdown cover with Heritage road rescue cover
• 15% discount for 4×4 club members and GLASS members
• Save up to 25% with a multi car policy


• Is the vehicle 10 years old or more?
• Does your 4×4 have at least 3 off roading modifications?
• Do you cover 5,000 miles or less in it?
• Are you aged between 25 and 75?

If the answer to the above questions is yes, it’s likely we can cover you under our specialist modified 4×4 insurance. Give us a call on 0121 248 9229, or fill in the form below and we’ll contact you.

Get a modified 4x4 car insurance quote

Get classic car cover from as little as £73 per year.


As a Heritage customer you can claim a free Skytag GPS tracker unit* worth up to £249.00. Help locate your vehicle quickly in the event of theft – the Skytag tracker can be easily self-fitted or you can ask your garage to fit it for you.

*Heritage customers can get a Skytag tracker unit free of charge. Skytag is a subscription service.


We offer add-on cover options at competitive prices. Get extra insurance for things like breakdown, motor legal expenses protection, and even key cover in case your keys get lost or stolen.

You can add as many or as few additional cover options as you like to your modified 4×4 insurance with us.

Road rescue

If you breakdown or your vehicle can’t be driven, get roadside repair and national recovery with our road rescue breakdown cover. This additional cover option includes alternative transport and overnight accommodation for a night, plus key assist in case of lost keys or lock failure.

Key cover

Covering both your car keys and house keys, this helpful optional extra means if your keys get lost or stolen, someone can help without you being out of pocket. Get support to get back into your vehicle, cover the cost of a locksmith, and more.

Motor legal

Our motor legal policy will cover you for any legal costs involved in claiming compensation for injury, claims against uninsured drivers, and other forms of uninsured loss recovery, up to the value of £100,000. You’ll also get access to a 24/7 legal advice line.