Club 4X4

Club 4X4: insurance for 4X4s, caravans and camper trailers in Australia

Club 4X4 is an Australian insurer that offers specialist policies for 4X4 off-road vehicles, caravans and camper trailers. Its approach focuses on covering these vehicles for their true value, including modifications and added equipment, and on extending protection to off-road travel anywhere in Australia where driving is permitted.

Cover for each type of vehicle

The offering is organised into three main categories:

• 4X4 Insurance: cover for the vehicle and the modifications and equipment that personalise it.
• Caravan Insurance: protection for caravans of any size, whether on family road trips or off-road tours, including the contents carried.
• Camper Trailer Insurance: cover designed for camper trailers, intended for travel on dirt tracks and unpaved terrain.

Assistance and included services

The company states that all its policies include off-road recovery cover, a service that, according to its presentation, is not usually covered by conventional roadside assistance. In addition, the benefits it mentions include roadside assistance, windscreen cover, hire car, cover for modifications and accessories, personal effects and legal assistance.

Origins and history

Club 4X4 was created in 2015 from a conversation around a campfire between 4X4 enthusiasts who identified the shortcomings of conventional insurance for heavily modified vehicles. One of the participants had suffered significant damage to a heavily modified 4X4 on a remote track and had been left without sufficient cover, which led the group to develop a product tailored to the real needs of off-road drivers.

Operations and structure

The company operates across Australia and offers a customer portal with 24/7 access to view your policy, download documents and manage claims. Policies are taken out through a free, no-obligation online quote tool. Club 4X4 Pty Ltd acts as an authorised representative of Lifestyle Insurance Group Pty Ltd, which operates under the KT Insurance brand, and this in turn acts on behalf of QBE Insurance Australia Limited.

Customer reviews

The site shows a rating of 4.8 out of 5 based on 4,928 reviews, which highlight the clarity of explanations, the speed of response and the service provided by the support staff.

Location and contact

PO Box 1118 Maroochydore, QLD 4558 · Phone: 1300 296 296 · Email: contactus@club4x4.com.au