Modified 4×4 Insurance

Keith Michaels have a wealth of experience when it comes to arranging modified 4x4 insurance. Where generic insurance falls short, 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


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
  • Mitsubishi
  • Toyota
  • Jeep
Jeep off-roading in snow

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?

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

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

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.