4x4 Car Insurance Coverage

4x4 car insurance or off road car insurance is useful for 4WD cars which are now more popular than ever. Off-road vehicles are meant to give you a ride on unpaved paths. When you drive your car to roads you’re unsure about, you likely face some risks. From minor damages to your vehicle to more serious problems. Therefore, it is smart to prepare yourself for these events beforehand. Some insurance companies offer SUV insurance as additional coverage in the same policy, while most other insurers ask you to purchase a whole other policy just for your Sport Utility Vehicle.

The very first step in protecting your car from possible danger is learning all about different insurance policies and how they might come in handy. After learning about plans and policies, you can choose a beneficial plan. Here in Lookinsure, we will provide a deep insight into what SUV insurance coverage is, its benefits, and how to purchase the best 4x4 car insurance.

Best Insurance for Off Road Vehicles

While all insurers offer policies for several types of incidents, most of them don’t have a particular policy for off-road drivers. They mainly add a few features to the same policy. Some insurance companies offer 4x4 or off-road car insurance dedicated to professional off-road drivers. This is an ideal option if you are someone who spends time on tar roads on a daily basis.

This insurance plan is much more suitable than a regular plan since it offers many more detailed features. Let’s take a look at the best 4WD insurance and car insurance for off road vehicles.

What Is a 4x4 Car Insurance?

Regular car insurance policies such as comprehensive car insurance don’t cover damages due to incidents that happen in adventurous activities such as off-roading.

Therefore, if you are a 4WD driver who’s interested in such activities, you should look into 4WD insurance and off road insurance coverage policies. A 4x4 car insurance covers any damage due to off-roading while covering overlanding car essentials.

Does Car Insurance Cover Off Road Driving?

While a full coverage plan such as comprehensive car insurance covers mostly all damages due to road accidents, it usually requires an additional 4x4 vehicle insurance.

Some insurers offer 4-wheel drive insurance to add to their regular plans, while more expert insurers have a separate 4x4 off road insurance policy dedicated to drivers who spend a lot of time doing off road activities.

It is important to check with your insurer beforehand whether or not they fully cover off-road incidents or not. Here at Lookinsure, by gathering all of Dubai's best insurers we have made sure to dedicate a particular plan for four-wheel drive car insurance.

Inclusions for Off Road Car Insurance

After going over the most important benefits of 4x4 insurance, let’s take a quick look at its inclusions:

• Green landing coverage
• Off-road damage coverage
• No claims bonus
• Breakdown coverage
• Agreed value coverage
• Overlanding essentials
• Engine coverage
• Roadside assistance
• Injury coverage
• animal collision coverage
• Fire and theft insurance
• Third-party liabilities

Exclusions for Off Road Car Insurance

Now that you are aware of what off-road driving insurance policy covers, it’s important to know the cases in which this policy won’t be able to help you:

• Damages not due to off-roading vehicles
• Regular wear-and-tear damages
• Modifications done to the vehicle without the notice of your insurer
• Damage caused by illegal activities such as incidents under the influence of drugs and alcohol

Do I Need Off Road Car Insurance?

If you are someone who looks at off road adventures as a regular activity, you might need to invest in a 4WD car insurance coverage policy. However, even if you have a classic 4WD vehicle that you no longer use daily, it might be ideal to get this type of insurance for your car.

This is because classic cars need extra care and your insurers will provide higher levels of protection for your high-value vehicle. Therefore, you might need classic 4x4 insurance.

cutting and so on, it is smart to get a 4WD coverage to take care of your assets. In some cases, if you have modified your 4WD and turned it into a personalized expensive vehicle, you will have to invest in a professional insurance plan to make sure no risks are threatening your beloved car.

Compare 4x4 Insurance Quotes with Lookinsure

As mentioned earlier, our team of professionals help you choose the most suitable quotes and premiums regarding your needs. Therefore, Lookinsure is the best option for you if you are a 4X4 driver in the UAE.

How To File a Claim for an Off Road Cover?

Filing a claim for car insurance off road cover is similar to raising a regular claim. In case of an incident, you might need to take immediate action and notice your insurer. However, it is important to make sure you are in the timeframe for raising a claim. Oftentimes, insurers decline claims made a while after the incident. Make sure you are actually covered for what you are claiming.

Checking your policy is helpful in this case. Pay attention to the excess. If your excess is higher than the damage, maybe it is better not to raise a claim and take care of the issue yourself. Anyhow, in case you still want to raise a claim, contact your insurer.

Conclusion

In case you own a 4WD car, you might be wondering if there is a way to insure it more professionally. Plus, if you take your car on off-road adventures, it is important to know the risks of causing damage to your vehicle on the bumpy roads you drive on. Therefore, we recommend that you invest in a 4X4 car insurance coverage policy if you want to keep your vehicle safe, and save money in case of any incident. Here at Lookinsure, we have the suitable policy for you!