4×4 owners can often have difficulty finding the appropriate car insurance for their modified 4×4. At Keith Michaels, we believe all car enthusiasts should be able to obtain the insurance they need to be able to properly enjoy their vehicle. Whether you’re a proud 4×4 owner and Owner’s Club member attending car meets, or go along to regular green-laning or off-roading events, our experienced brokers can find the right insurance policy for you.
4×4 Vehicles Covered
The team here at Keith Michaels are adept and finding the right specialist insurance for a wide variety of vehicles, including a huge array of 4×4 manufacturers. These include;
- Range Rover
- Land Rover
4×4 Modifications Covered
As is the norm with these types of vehicles, we are very keen to cover those with modifications such as;
- Suspension upgrades
- Roll cages
- Engine improvements
Our modified car insurance policies are extended to cover these types of vehicles for like-for-like modifications, should the vehicle be involved in an accident or suffer damage.
Green Laning Insurance
Many 4x4s are used as a second vehicle that can accrue high mileage across green lane events. At Keith Michaels, we are able to negotiate a competitive deal on green lane events insurance for specialist 4×4 vehicles.
Why Choose Keith Michaels for Modified 4×4 Insurance
At Keith Michaels we have years of experience arranging bespoke modified car insurance for all sorts of vehicles, including 4x4s for off-road enthusiasts. This is not for the everyday 4×4 user, but is for those people who use their vehicle for recreational purposes and as a second vehicle. Our modified 4×4 insurance offers drivers the freedom to upgrade and modify their 4×4, while still having comprehensive cover, so get in touch today.
The Keith Michaels Difference
- 30 years’ experience
- Every customer is treated as an individual, not a policy number
- We are a UK-based office, not a call centre
- We are completely independent from any insurance company
- All policies are looked at on their own merits to find you the best policy available
Why Choose Keith Michaels?
We have specific insurance schemes designed exclusively for Modified 4×4 owners
- Limited Mileage
- Enhanced Vehicle Security
- 2nd or 3rd Cars
- Owners clubs
- Secure Parking Access
- Priority claims management
- Like for like replacement parts following a claim
- Staff have over 30 years’ modified experience
I've been insuring with Keith Michaels for quite a few years now & have been very satisfied with the service. They have been very helpful & give a very personal service. Even after shopping around each time, (as we are all told to do!) Keith Michaels prices are still very competitive & hard to beat.
Can never fault these guys. Renewed for the 3rd year running as they've great price and amazing customer service!
Effortless process and wonderful service. Their tailored expat products take all the heat out of something that other insurance companies seem to want to over complicate. Cannot recommend highly enough.
Excellent service, after returning to UK after a long period away, they took care of my insurance needs in a very professional and efficient manner as well as being very competitively priced.
Spoke to a helpful Chap called Matt Moody (great name by the way), who was anything but what his name suggests. He was patient with me and found me a really competitive quote. Would recommend!
A human voice answered the phone straight away and gave me a competitive quote quickly and efficiently, which I accepted. Confirmation processed quickly too. Efficient use of their time and mine.I am a new customer so time will tell whether I remain satisfied!
As an expat with a home in the UK it was great to find a broker who had insurance companies on the books who were willing to recognise No Claims gained in the EU
Honest guys. Very straight forward.
Get in Touch for your Modified 4×4 Insurance Quote Today
Modified 4×4 & Car Insurance FAQs
Do you offer Owner’s Club discounts?
Yes, you can get a significant deal on your 4×4 insurance thanks to the Owner’s Club discount we offer here at Keith Michaels.
Can my insurance cover me off road?
4×4 owners who use their vehicle for recreational off-roading will need to obtain the relevant insurance. At Keith Michaels, we look at drivers on case by case basis in order to find the right cover you need. If you only use your vehicle every so often, you may also qualify for limited mileage discounts.
Is it illegal to take my 4×4 off-roading?
It depends where you want to go. Private land is off limits, unless scheduled events are being held. Many Owner’s Clubs arrange events if you want to find one. Otherwise, there are roads all over the UK known as green lanes, which are actually part of the National Road Network. These are not surfaced roads and are often overgrown, and are impassable by vehicles which are not 4x4s. It is legal to take your 4×4 on these green lanes, however not all insurance companies will cover you for this. Fortunately, Keith Michaels can.