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Modified 4×4 Insurance for the mud-mad

We don’t shy away from 4×4 modifications

We know how adding modifications can improve the safety and performance of your 4×4. Sometimes it just looks too good not to have. Don’t worry, we understand 4x4s and offroading so get a quote with the experts.

We have several insurance providers to help get you modified 4×4 insurance cover. Whether you’re after agreed value; want to still accrue your NCB; or you want to go overlanding, we can help. We even have an optional camping cover for the show season!

Features and Benefits of the modified 4×4 insurance policy

  • Cover for driving offroad and on greenlanes
  • Cover for almost any modifications (including engine changes,  roll cages, suspension lifts, etc.)
  • Can offer Agreed Value (depending on the insurance provider)
  • Can accrue No Claims Bonus (depending on the insurance provider)
  • Up to 90 days cover in the EU so you can enjoy a spot of overlanding
  • Full windscreen replacement service (excluding damages that occur whilst at a pay and play site)
  • Option to retain salvage
  • For just £30 extra we can cover camping accessories.
  • Breakdown cover optionable
  • Discount for clubs available- including Response 4×4 teams

Modified Land Rover & 4×4 Policy eligibility

  • Is your modified 4×4 at least 5 years of age and over?
  • Do you drive 10,000 miles or less in it in the year? Is this because you go offroading, greenlaning or overlanding lots and lots?
  • Are you (the owner) aged 21 and over? (If you’re 21-24 there is additional criteria to meet, see below)

Get a Quote

Complete the form below and we’ll be in touch with you.

Frequently Asked Questions about modified 4×4

1) I go overlanding throughout the year so my mileage is high. Do you cover this?

Yes we do. We support the 4×4 owners who like to go greenlaning, to pay and play sites and overlanding. We can offer up to 12,000 miles. Just as long as you meet the other requirements. So your vehicle can’t a daily driver.

2) My 4×4 is my everyday car, can you insure me?

We can’t. Insurance calculations deem this as a high risk. This specialist scheme is for the enthusiast who has a 4×4 for weekend adventures.

3) Can you cover my 4×4 modifications?

Yes we can. We know a fair bit about modified 4x4s. We even have a 110 Land Rover we use. So don’t fear – tell us the full list if you want the right cover. After all if you didn’t declare the winch and it got stolen, we may not be able to pay out.

4) Do you cover camping equipment?

We can do. This isn’t part of the scheme as standard but it is an optional extra. For just £30 we can cover up to £3,500 worth of camping equipment. Just make sure you fix the equipment to the vehicle where you can. Or you can store items inside the 4×4.

Examples of what we cover: camping chairs, tables, fridge freezers, cookers and more.

5) I’m a member of a 4×4 response team, is this an issue?

Not at all. We understand how important you are to the community. We don’t want to penalise you for it. Just let us know what type of response member you are and any extra training you’ve had. We can even offer up to 15% discount for you.

6) I’m 21 years old, can you cover me?

Through the demand of so many requests, we have extended the age limit to include 21 years old and over.

However, there are limitations and provisions if you are in this age bracket:

  • You must have owned your 4×4 for at least one year
  • You must own a second vehicle
  • You must be a club member
  • You must have experience with 4×4 vehicles

Call us for a modified 4×4 insurance quote on 0121 248 9229.

7) I’m 18 years old. You cannot cover me. Why is this?

Insurance is based on risk factors and statistics. Younger drivers historically have a higher rate of accidents. Our insurance providers are less keen to help- so that they can keep the costs low for everyone else.

Free Skytag Tracker Unit worth £249.99

Want to reduce your renewal premium with us? Customers of Heritage Car Insurance can claim a FREE Skytag GPS Tracker Unit worth up to £249.99. To find out more click here.

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)

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.

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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