Sureterm Direct specialises in all types of 4x4 insurance, from BMW X5, Mercedes ML, Porsche Cayenne and Range Rover to the old mud plugger Land Rover 88 and Land Rover 90, Defender, Discovery and Freelander models. Many of our customers come to us time and again to renew their Mitsubishi Shogun, Jeep, Nissan Navara, Isuzu Trooper and Toyota Landcruiser 4x4 insurance. With expert knowledge of what Landrover owners need, we can supply great 4x4 insurance cover at superb rates.
Sureterm tips on how to get cheaper 4x4 insurance
- Being or becoming a member of a 4x4 club will often get you a 15% discount through Sureterm Direct.
- Garage your 4x4 if you can.
- Opt for a voluntary excess or increase the excess above the required minimum.
- Fitting an Immobiliser, Alarm or Tracker will benefit from even further discounts.
- Insure your 4x4 through Sureterm Direct Insurance!
Call now for FREE on 0800 999 2030
Immediate 4x4 cover available
Monthly Premiums
Debit/credit cards accepted
Direct Debit available
Features available for 4x4 insurance include:
- Repairs carried out where you choose
- Free replacement 4x4 or equivalent size loan car during repairs
- Agreed values
- Drivers any age
- Business use
- Limited mileage discounts on 4x4 insurance policies
- Salvage retention options
- Spare parts cover included in 4x4 insurance
- Static Rally, greenlaning and show cover
- Free unlimited European cover
- Breakdown Cover
- Free liability cover to trailers and caravans (whilst attached to vehicle)
- Modified 4x4? No problem
- Outstanding 4x4 insurance rates for Great Britain and Northern Ireland residents
Call now for FREE on 0800 999 2030
Some common 4x4 insurance policy items and glossary of terms:
Agreed value: If you have added lots of accessories or worked hard on major modifications to your 4x4 you may wish to have the insured value of your vehicle reflect it's true worth. Sureterm Direct Insurance can include an Agreed Value upon request at no additional cost on most 4x4s.
Approved repairer: A repairer we have approved and authorised to repair your 4x4 following a claim.
Betterment: Where the results of repairs or replacement due to the loss of your 4x4 results in the insured receiving something better than he had before the loss. The difference is known as "betterment." In most instances, this difference is discussed before the repairs or replacement is made and the insured has agreed to an appropriate figure as to his contribution for this "betterment." This is also referred to as "new for old."
Compulsary Excess: If you make an insurance claim, this is the amount you agree to pay yourself to repair your 4x4.
European Use / Green Card: If you drive your 4x4 abroad, this is insurance designed to make it unnecessary to apply for insurance at the border of each country. It confirms that you have at least the minimum legal insurance cover.
Insurance is the transfer of risk by an individual, such as yourself, for your 4x4, or an organisation, such as your business, to the insurance company. You or your organisation will thus be known as the policy holder for the 4x4. The insurance company receives payment in the form of a premium and will compensate you in the event of losses or damages sustained by you or your 4x4.
Legal Expenses Insurance: An optional extra to your 4x4 insurance to meet legal and recovery costs for your “uninsured losses” resulting from an accident. For example, you may need to sue the Third Party for recovery of your out of pocket excess after an accident involving your 4x4. You may also have had to hire a 4x4 or may need to obtain compensation for an injury arising from an accident, which was not your fault. Such things are not always covered under your 4x4 insurance policy itself. A legal expenses policy to meet those legal costs is a must.
Liability Cover for Trailers and Caravans. This is the same as purely Third Party Only Cover - If you are even partly to blame for an accident then your insurance company will pay for the other persons 4x4, car or property and also for any injury to them. Whilst the caravan or trailer is attached to the 4x4, the caravan or trailer is covered Third Party Only. Sureterm also covers accidental damage, fire and theft for caravans. Take a look at our caravan insurance page.
Limited mileage: If you don't drive excessive miles in your 4x4, Sureterm Direct Insurance allows you to have a cheaper premium based upon an agreed maximum annual mileage.
No-Claims Bonus: You get a discount on your insurance premium if you drive your 4x4 without making a claim on its insurance. It is sometimes possible to pay extra to protect your bonus in the event of a claim.
Proposal Form: The proposal form is the basis of the contract for insurance on your 4x4. It is probably the most important aspect of the cover process. This form may be a written hard copy form or may be taken from the entered details on the system. As insurance is an intangible product whose price is based on the information provided by you then any errors or non-disclosure of material facts can result in the policy being voided. Check with your insurance advisor if you have any difficulties or need advice. Also, if you know of something, which the Insurance Advisor ought to know, but the proposal form doesn’t ask that question, do not think that you do not have to tell them. You have a legal duty to disclose all facts.
Off road use: It is not usual for policies to cover 4x4 off road use. You need to check before buying you policy if this is something you will need. It is not easy, or cheap, to get insurance cover for 4x4 competition use. Actual competition events often offer insurance cover for the specific event on the day. However, Sureterm 4x4 Insurance will cover you for Greenlane Cover. Greenlaning Insurance is where you are covered for driving down Greenlanes. Don't know what a greenlane is? - Greenlanes are unsurfaced minor highways, often covered in grass (hence the name!) and are like public bridleways for 4x4s.
Salvage retention: Your 4x4 may be declared a write-off. Sureterm Direct Insurance allows as standard a buy back option to buy back the wreckage in the event of a major accident. In some cases however, the 4x4 is so badly damaged that the insurance company is required by law to have the vehicle destroyed.
Voluntary excess: You can sometimes get a cheaper insurance premium on your 4x4 by arranging to pay an agreed sum in the event of a claim
Windscreen Cover: Windscreens are only covered under Comprehensive Private car policies through Sureterm Direct Insurance and are subject to different excesses than the main policy. A damaged windscreen on your 4x4 (i.e. scratched) may not have any excess if repaired by the approved Insurers Windscreen Company. Windscreen claims rarely affect the no claims bonus.
To offer you even better rates, Sureterm can give you an additional 15% discount on your 4x4 insurance if you are a member of a 4x4 owners club. Please call us to get the very best 4x4 insurance quote for your 4x4.
Call now on 0800 999 2030 for a FREE 4x4 insurance quote and learn about the savings and the increased 4x4 insurance policy benefits we offer.
SURETERM DIRECT...1st FOR 4X4 INSURANCE
Agreed value: If you have added lots of accessories or worked hard on major modifications to your 4x4 you may wish to have the insured value of your vehicle reflect it's true worth. Sureterm Direct Insurance can include an Agreed Value upon request at no additional cost on most 4x4s.
Approved repairer: A repairer we have approved and authorised to repair your 4x4 following a claim.
Betterment: Where the results of repairs or replacement due to the loss of your 4x4 results in the insured receiving something better than he had before the loss. The difference is known as "betterment." In most instances, this difference is discussed before the repairs or replacement is made and the insured has agreed to an appropriate figure as to his contribution for this "betterment." This is also referred to as "new for old."
Compulsary Excess: If you make an insurance claim, this is the amount you agree to pay yourself to repair your 4x4.
European Use / Green Card: If you drive your 4x4 abroad, this is insurance designed to make it unnecessary to apply for insurance at the border of each country. It confirms that you have at least the minimum legal insurance cover.
Insurance is the transfer of risk by an individual, such as yourself, for your 4x4, or an organisation, such as your business, to the insurance company. You or your organisation will thus be known as the policy holder for the 4x4. The insurance company receives payment in the form of a premium and will compensate you in the event of losses or damages sustained by you or your 4x4.
Legal Expenses Insurance: An optional extra to your 4x4 insurance to meet legal and recovery costs for your “uninsured losses” resulting from an accident. For example, you may need to sue the Third Party for recovery of your out of pocket excess after an accident involving your 4x4. You may also have had to hire a 4x4 or may need to obtain compensation for an injury arising from an accident, which was not your fault. Such things are not always covered under your 4x4 insurance policy itself. A legal expenses policy to meet those legal costs is a must.
Liability Cover for Trailers and Caravans. This is the same as purely Third Party Only Cover - If you are even partly to blame for an accident then your insurance company will pay for the other persons 4x4, car or property and also for any injury to them. Whilst the caravan or trailer is attached to the 4x4, the caravan or trailer is covered Third Party Only. Sureterm also covers accidental damage, fire and theft for caravans. Take a look at our caravan insurance page.
Limited mileage: If you don't drive excessive miles in your 4x4, Sureterm Direct Insurance allows you to have a cheaper premium based upon an agreed maximum annual mileage.
No-Claims Bonus: You get a discount on your insurance premium if you drive your 4x4 without making a claim on its insurance. It is sometimes possible to pay extra to protect your bonus in the event of a claim.
Proposal Form: The proposal form is the basis of the contract for insurance on your 4x4. It is probably the most important aspect of the cover process. This form may be a written hard copy form or may be taken from the entered details on the system. As insurance is an intangible product whose price is based on the information provided by you then any errors or non-disclosure of material facts can result in the policy being voided. Check with your insurance advisor if you have any difficulties or need advice. Also, if you know of something, which the Insurance Advisor ought to know, but the proposal form doesn’t ask that question, do not think that you do not have to tell them. You have a legal duty to disclose all facts.
Off road use: It is not usual for policies to cover 4x4 off road use. You need to check before buying you policy if this is something you will need. It is not easy, or cheap, to get insurance cover for 4x4 competition use. Actual competition events often offer insurance cover for the specific event on the day. However, Sureterm 4x4 Insurance will cover you for Greenlane Cover. Greenlaning Insurance is where you are covered for driving down Greenlanes. Don't know what a greenlane is? - Greenlanes are unsurfaced minor highways, often covered in grass (hence the name!) and are like public bridleways for 4x4s.
Salvage retention: Your 4x4 may be declared a write-off. Sureterm Direct Insurance allows as standard a buy back option to buy back the wreckage in the event of a major accident. In some cases however, the 4x4 is so badly damaged that the insurance company is required by law to have the vehicle destroyed.
Voluntary excess: You can sometimes get a cheaper insurance premium on your 4x4 by arranging to pay an agreed sum in the event of a claim
Windscreen Cover: Windscreens are only covered under Comprehensive Private car policies through Sureterm Direct Insurance and are subject to different excesses than the main policy. A damaged windscreen on your 4x4 (i.e. scratched) may not have any excess if repaired by the approved Insurers Windscreen Company. Windscreen claims rarely affect the no claims bonus.
To offer you even better rates, Sureterm can give you an additional 15% discount on your 4x4 insurance if you are a member of a 4x4 owners club. Please call us to get the very best 4x4 insurance quote for your 4x4.
Call now on 0800 999 2030 for a FREE 4x4 insurance quote and learn about the savings and the increased 4x4 insurance policy benefits we offer.
SURETERM DIRECT...1st FOR 4X4 INSURANCE
Call now for FREE on 0800 999 2030
Types of 4x4 insurance policies that Sureterm insurance offer:
- Comprehensive 4x4 Insurance - This is the highest level of 4x4 insurance available. It will cover Thirty Party, Fire and Theft but will also cover damage or loss of your own 4x4 up to the insured value of the vehicle. Comprehensive 4x4 insurance will also cover you against death or injury to yourself and your spouse (if they are travelling with you). With Sureterm 4x4 insurance, our cover includes Glass Cover, another 4x4 in the event of an accident, an approved repairer network, salvage retention option and agreed value even upon request.
- Third Party Fire and Theft 4x4 Insurance - In addition to the cover offered at Third Party level you also have 4x4 insurance incase your 4x4 is stolen or damaged by a fire.
- Third Party Insurance - The law requires that you have this minimum level of insurance. If you are even partly to blame for an accident then your insurance company will pay for the other persons 4x4, car or property and also for any injury to them. This level of 4x4 insurance is very cheap but will not cover any damage to your own vehicle.
Call now for FREE on 0800 999 2030