Modified 4×4 Insurance

Keith Michaels has a wealth of experience providing specialist insurance for modified 4x4 and off road vehicles. From suspension upgrades to roll cages, we have schemes specifically in place for modified vehicles.
Modified 4×4 Insurance Header Image

Our team are here to help

92% of our customers get a cheaper quote over the phone

92% of our customers get a cheaper quote over the phone


Modified 4×4 and off-road vehicle owners often have difficulty finding the appropriate car insurance . Your modified 4×4 has had hours of work poured into it. Don’t waste that investment by taking out a car insurance policy that doesn’t provide the protection you need or restricts what off-road activities you can do.

At Keith Michaels, we believe all car enthusiasts should be able to obtain the insurance they need to get the maximum enjoyment out of their modified 4×4 and off-road 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. After all, our expert brokers are fellow enthusiasts themselves and fully understand the modifications you’ve made to your vehicle.

4×4 Vehicles Covered

The team here at Keith Michaels are adept and finding the right specialist insurance for a wide variety of modified vehicles, including a huge array of 4×4 and off-road manufacturers. Get in touch and one of our team will be able to help.

4×4 Modifications Covered

Keith Michaels can arrange bespoke insurance for your vehicle no matter how much it has been modified. Whether you’ve added a snorkel, spotlights, or completed a full LPG conversion, we will source an insurance policy tailored to your personal needs and your customised off-road vehicle.

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.

Jeep off-roading in snow

Green Laning Insurance

Many modified 4×4 or off-road vehicle owners indulge in green laning (driving on unsurfaced lanes and country tracks open to motorists). As many 4x4s are used as a second vehicle, this can accrue high mileage across green lane events. At Keith Michaels, we will negotiate a competitive deal on green lane events insurance for modified 4×4 and off-road 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 those 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.

or call us on 0208 329 1150

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?

Modified 4×4 Insurance

Dedicated Policy Handlers

Gary Moulson
0208 329 1167

Jeremy Pocock
0208 329 1157

Modified 4×4 Insurance

Specialist Schemes

We have specific insurance schemes designed exclusively for Modified 4×4 owners.

This scheme is for drivers aged 25 years and older.

Modified 4×4 Insurance

Discounts For

  • Limited Mileage
  • Enhanced Vehicle Security
  • 2nd or 3rd Cars
  • Owners clubs
  • Secure Parking Access
Modified 4×4 Insurance

Additional Benefits

  • Priority claims management
  • Like for like replacement parts following a claim
  • Staff have over 30 years’ modified experience
Modified 4×4 Insurance

Get in Touch for your Modified 4×4 Insurance Quote Today

or call us on 0208 329 1150

Modified 4×4 & Car Insurance FAQs

Can I modify my 4×4?

Yes, you can – as long as your insurance provider is aware. Popular modifications for 4x4s include larger wheels, winches, spotlight bars, wider tyres, snorkels, roof bars, suspension upgrades and roll cages. At Keith Michaels, we take all modifications into account before finding you a specialist insurance policy at a competitive price for your peace of mind.

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?

Modified 4×4 and off-road 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 green laning and off-road cover the same?

No, there is a difference. Green laning is driving on unsurfaced roads, trails and countryside tracks that are open to motorists. Off-roading involves driving in areas with no roads, trails and tracks.

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.