4×4 Insurance & Modified Off-Road Insurance from 2Gether

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4x4
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4x4 Insurance

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Flexible and competitive cover, however you use your 4x4....

2Gether Insurance are a leading provider of insurance in the 4x4 market

Over the years, at 2Gether we have come to understand that 4x4 Insurance is perhaps one of the widest ranging in the industry, covering everyone from standard day-to-day drivers, to hardcore off-road enthusiasts, to military vehicle collectors. That is why our portfolio of insurance products and Insurers can accommodate all types of 4x4's and at hugely competitive rates.

Our goal at 2Gether is to not only save you money but provide great insurance and service to match. We are not a call centre, and never will be, but a team of dedicated and knowledgeable individuals ready to assist.

To see how 2Gether can help, please telephone us on 01945 465508, or fill in the Request A Quote above. We would be more than happy to discuss your options.

4x4 Vehicles

Imported, modified and ex-military vehicles

If you think your vehicle is too specialist for us, think again. We have designated, bespoke schemes to cover a multitude of 4x4's, Off-Roaders, American and Japanese Imported SUV's and Ex-Military vehicles.

Agreed Valuations

Guaranteed payout in the event of a claim

The ultimate peace of mind. Given the unique nature and complexity of highly modified 4x4'S the value is sometimes hard to determine. An agreed valuation guarantees the amount the Insurer will pay out in the event of a total loss claim.

Please note this is subject to terms and not available on every 4x4 insurance we offer.

Limited Mileage

Reduced insurance premiums for fewer miles

Mileage plays an important factor with 4x4 insurance in determining how much your premium is. Therefore, on the whole, the lower the mileage the lower the premium. That's why discounts of up to 40% can be had depending on how many miles you will cover during the year.

No Claims Bonus & Protection

When No Claims Bonus Is Required & Can Be Protected

If your 4x4 is your main vehicle for travelling to work in, going to the shops etc, then as you would expect the greater your No Claims Bonus is, the cheaper the insurance.

In addition, if you have at least 4 years No Claim Bonus, you are are to protect this for a small additional premium, usually around 10% extra. This affords you the peace of mind, that if the worst were to happen and you make a claim on your insurance, the number of years No Claims Bonus you have is not reduced. This is because normally, without No Claims Bonus protection, in the event of a claim your bonus is reduced by two years, or even wiped out entirely if you are unfortunate enough to be involved in two or more incidents during the term of your insurance policy.

Protecting your bonus will ensure that your discount will not be effected, however as always there are conditions, typically as long as you have no more than 2 claims within a 3 year period.

However, No Claims Bonus Isn't Always Required....

Unlike the above scenario, if your 4x4 is a second vehicle to you or used primarily for social or recreational activity, typically No claims Bonus is not required or taken into consideration. This is because in this situation the annual mileage of the vehicle is typically lower and may only be used once or twice a week at the most. Consequently, Insurers understand that your No Claims Bonus discount can only be used on one insurance policy at a time, so for the majority who are using their bonus on their main or regular vehicle, seems unfair to penalise and charge higher insurance premiums. This is also how classic car insurance works.

No matter which of the above applies to you, 2Gether have the experience and Insurers ready and waiting to assist, and hopefully save you some money as well.

Owners Clubs

Save Up To 15% If You Are A Club Member

If you are an enthusiast you are more than likely the member of an owners club or associated club. The good news is that in addition to the perks this brings it also entitles you to a discount of up to 15% off of your insurance.

Optional Extras

Excess Protection

With the cost of insurance and the average excess increasing year after year, now is the perfect time to consider Excess Protection, and how it can benefit you.

The average excess on a motor vehicle policy in the UK is £350.00 and is often an unaccounted cost and can come as a shock in an already stressful situation. 2Gether Excess Protection removes the stress by reimbursing you your excess once your claim is settled.

What's more, with our Excess Protection starting from as little as £14.86, you can increase your voluntary excess on your insurance, saving you money, safe in the knowledge you will not have any nasty surprise.

Key Care

Key Care is an optional extra that can be added on to your insurance.

It covers against the loss, damage, theft or breakage of your keys, along with the cost re-programming replacement keys where necessary

Some of the main benefits include:

  • No payable excess
  • Any claim made does not effect the insurance policy your Key Care was taken alongside
  • Annual claim limit of £1500

Just mention to one of our advisors when obtaining a quote that your are interested in Key Care cover to find out more.

Breakdown

Payment Options

Excess Protection