4 X 4 INSURANCE
CLASSIC 4x4s DESERVE TO BE PROTECTED WITH SPECIALIST INSURANCE
Discover what’s included with 4x4 cover and where to find the right policy at the right price for your classic vehicle.
4x4s continue to surge in popularity, with drivers in both the country and city getting behind the wheel in these large, all-terrain motors. They have plenty of space to bring your growing family on trips or battle rough terrain for a rugged walk with your dog in the hills. They’re perfect for towing trailers, horse boxes and caravans, too.
With such a wide range of uses, these classic vehicles deserve to be protected, which is why at Lancaster Insurance Services, we’ve specially crafted car insurance plans tailored to meet the needs of 4x4 owners.
Whether you drive a Land Rover, Nissan Terrano, or Mitsubishi Shogun, we will strive to provide a competitive quote, based on your circumstances
To speak to a member of our specialist customer service team
...or we'll call you back.
AVAILABLE BENEFITS AT A GLANCE:
- 4x4 Car Club member discounts available
- Greenlaning & off road cover
- Community First Response
- Choice of repairer
- EU cover up to 90 days
- Salvage retention
- Limit Mileage Discounts Available
- 24 Hour Claims Call Centre
HOW WE COULD SAVE YOU MONEY
We understand that the price needs to be right and is, more often than not, the deciding factor when choosing car insurance.
This is why we design our policies in a way that you can see what you could save.
-
Your policy will be tailored to suit you and cater for your needs.
-
Because it's a personal purchase, we make it a personal policy.
We already provide competitive prices; but here are a few ways where you can save even more:
Limited Mileage
If you only travel a small number of miles a year, make sure you let us know.
This will usually decrease the cost of your policy.
Owners Club Members
Don't forget to let us know if you are part of a car club. If it's a Lancaster approved club, you could be entitled to a discount on your insurance.
Add Another Driver
If you need to add an experienced driver to your policy, this could also reduce the overall cost.
Modifications
When modifications have been made to vehicles it can sometimes be hard to find a cost-effective policy.
Lancaster will always endeavour to find you a great price, so make sure you tell us about all the modifications on your car.
Keep In Garage
Ensure your vehicle is kept in a secure garage overnight, this could keep the costs down.
Why not try a few of these tips? You never know, you may save more than you think!
Alternatively, you can telephone us to discuss your specific classic car insurance requirements. Call 01480 484826.
LANCASTER CLASSIC CAR NEWS
Meet the Owner – Rob Haycock and his 1965 Slough-Built Citroën DS
Quite simply, I crave Rob’s Citroën DS. Aside from being one of the most beautiful cars in the history of the world, his 1965 example is not only to Pallas specification but also assembled in the Home Counties.
SYMBOL OF SUCCESS – FORD CORTINA GHIA ESTATE
Imagine the impact of taking delivery of a Ford Cortina 2.0 Ghia Mk. V Estate in 1979. The sable over chocolate brown Durham cloth and crushed velour upholstery would induce envy in virtually all your business colleagues.
MEET THE OWNER – MARTIN MALTAS AND HIS 1979 DODGE TELEVISION LICENCE DETECTOR VAN
Martin Maltas is the proud custodian of one of the most fascinating vehicles of the 2024 Lancaster Insurance Classic Motor Show – even if it is one you may not have welcomed in the 1970s.
THE FIRST VAUXHALL ESTATE CAR FROM LUTON
The news that the Vauxhall factory in Luton is expected to close will sadden many readers. The time when cars such as this 1961 Victor F-Type Estate departed the plant seems utterly distant.
THE LAST OF THE LINE – THE JAGUAR 420G
Some years ago, I described the Mk. X in The Telegraph as: “the last really louche Jaguar; a link to a lost world of chorus girls, black market gin and looking out for a police Wolseley in the rear-view mirror”.
WHY I CRAVED A VAUXHALL VICTOR 2300S
It is early 1975, and the two highlights of the week are The Goodies on BBC2 and the parental copy of Motor. And, if my memory is correct, it was in the latter I saw an advertisement for a car that epitomised style and glamour and would not be prone to breaking down on the A27.
WHY CHOOSE LANCASTER INSURANCE SERVICES?
What’s covered by Lancaster 4x4 insurance?
A fully comprehensive 4x4 insurance plan through Lancaster Insurance Services provides a high level of protection for your vehicle, covering it against accidental damage, fire and theft.
You’ll get cover for off-roading and green laning and can also enjoy special discounts on your insurance if you belong to a classic car club.
Our 4x4 insurance policies come with cover in the EU for up to 90 days and give you a choice of repairer.
You can also opt for modified 4x4 insurance in the UK if you’ve made changes to the vehicle or get laid-up cover if you’ve declared it SORN.
All Lancaster Insurance Services policies provide a 24-hour claims hotline to get you help around the clock from our helpful UK-based call centre.
Why choose Lancaster for your Car Insurance?
Lancaster is the insurance broker of choice for classic car owners providing cover for over 85,000 classic cars across the UK.
At Lancaster Classic Car Insurance Services, we aim to provide a competitive price for your individual cover needs. We appreciate the importance of recognising the true value of your classic car and our team will be happy to talk to you through our benefits, such as agreed valuations and salvage retention.
We will offer you a policy that's suited to your individual requirements:
- Modified Car
- Multi-vehicle Insurance
- Wedding Car Insurance
- Limited Mileage Insurance
- Laid Up Cover
- Static Car Show Cover
At Lancaster Insurance Services, we’re more than just your regular car insurance provider – we’re passionate about vintage motors of all kinds and we know exactly what it takes to protect a classic 4x4.
Special investments like these need to be looked after, which is why we will offer an insurance policy that's suitable for the individual owner and their vehicle. Our helpful team will search for the right fit and cover your 4x4 against accidental damage, fire, and theft.
That’s not all – our classic car insurance options don’t stop with 4x4s. If you own another vintage vehicle you need to protect, get in touch.
Green Laning Insurance
Green laning is a popular pastime for many 4x4 owners, and it’s easy to see why. This adventurous pursuit involves taking your motor along unsurfaced roads – think rough terrains and winding trails – such as byways and unclassified roads. It’s a wonderful way to explore the lesser seen parts of the UK that isn’t possible in your regular car.
Taking your 4x4 along bumps and twists means you’ll need the best possible protection in case of accidental damage, and that’s where we come in. Green lane insurance protects your vehicle on these exhilarating drives and can get you back on the road in an emergency.
Off-road Insurance Cover
While some might confuse green laning with off-roading, they are quite different. When you’re green laning, you stick to unpaved roads but with off-roading, you could drive literally anywhere, like through a field or woodland.
You’ll need the landowner’s permission, of course, but do you need insurance to go off-roading? Yes, even though you won’t be driving on the road, you still need to cover your vehicle in case of an emergency.
Classic 4x4 insurance with Lancaster Insurance Services can cover your vintage vehicle both on and off the road. Give our team of specialists a call on 01480 484826 to get an insurance quote for your motor.
Club Member Discounts
Lancaster Insurance Services is committed to supporting the classic car community and the clubs at the centre of it.
Owners club members may enjoy discounts off their insurance premium (the level of discount offered by each insurer differs and is subject to underwriting criteria).
Some of the classic car clubs we currently partner with include MG Owners Club, MX5 Owners Club, VW Golf MK1 Owners Club, VW T25 Club and many more.
If your club isn’t on our Classic Car Club page or wish to partner with Lancaster Insurance Services, please call 01480 220065 or visit our Classic Car Club page for more details.
Is it worth getting a 4x4?
With more and more people trading in their smaller vehicles for a 4x4, you might be tempted yourself. These classic motors provide a few benefits over regular cars:
- Better safety and security
There are many reasons why 4x4 owners feel more secure behind the wheel than in smaller cars. These vehicles provide better traction and stability and are safer in adverse weather conditions, like rain, snow, and ice. The elevated driving position also allows for greater visibility of the road ahead.
- Great for off-roading
Not every 4x4 owner will take their classic car off-road, but if you love to head up into the mountains or take your motor to a muddy festival, you know your beast of a machine will be able to handle it.
- Ideal for towing
Got a horsebox or caravan you need to tow? 4x4s are ideal for heavy duty roles like this.
- More spacious
From dogs to camping gear, 4x4s give you plenty of room no matter what you need to carry.
What are the most popular 4x4s?
There’s something exhilarating about getting behind the wheel of your 4x4 and heading off-road for a rugged adventure, but which are some of the best classic 4x4s to own?
Here are some of the classic 4x4s we can cover:
- Jeep Wrangler
- Toyota Land Cruiser
- Range Rover
- Land Rover Discovery
- Vauxhall Frontera
- Isuzu Trooper
- Nissan Patrol
- Mitsubishi Shogun
- Volkswagen Amarok
- Ford Ranger
We are Classic Car enthusiasts
Are you passionate about Classic Cars?
Here at Lancaster, we not only arrange Classic Car Insurance but we’re constantly looking for ways to support the Classic Car community at events, sponsorship's, giveaways and sharing care tips for classic vehicles.
How we can save you money on your Classic Car Insurance?
We understand that the price needs to be right and is, more often than not, the deciding factor when choosing car insurance. This is why we design our policies in a way that you can see what you could save.
We always strive to provide the most competitive price, however there are other things that could impact the cost of your insurance:
- Limited Mileage- If you only travel a small number of miles a year, make sure you let us know. This will usually decrease the cost of your policy
- Owners Club Members - Don't forget to let us know if you are part of a car club. If it's a Lancaster approved club, you could be entitled to a discount on your insurance. This will entitle you to discounts off any of our insurance policies. So if you’re not currently a club member, we encourage you to join one
- Add Another Driver - If you need to add an experienced driver to your policy, this could also reduce the overall cost
- Modifications - When modifications have been made to vehicles it can sometimes be hard to find a cost-effective policy. Lancaster will always endeavour to find you a great price, so make sure you tell us about all the modifications on your car
- Keep it in a garage - Ensure your vehicle is kept in a secure garage overnight as this could keep the costs down
Why not try a few of these tips? You never know, you may save more than you think! Alternatively, you can call us on 01480 484826 to discuss your specific classic car insurance requirements.