4WD Insurance

DGA has been helping Australian four wheel drive enthusiasts find the best 4WD insurance policies for over 25 years. We understand that your 4X4 is no ordinary vehicle and as such requires a specialised policy.


Whether you’re looking to:

    • Insure your workhorse
    • Protect your weekend adventurer
    • Cover the four wheel drive you’ve worked so hard on


DGA will hunt out the best 4×4 insurance package for you. Our dedicated team will be able to answer your questions to help you find the most suitable policy for your needs, at the price you’re after. Most importantly of all though when it comes time to make a claim, we go above and beyond to ensure it’s as stress free as possible.




Please fill in the quick form below and our dedicated 4WD team will get straight back to you.

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Off-Road Sand Dune Cover

Your 4WD motor vehicle insurance can include:

  • Full off-road cover anywhere in Australia

Make sure that your 4X4 is covered when you’re taking it off-road

  • A new vehicle if yours is written off in a collision within two years of manufacture (before 30,000 kilometres)

Get peace of mind that you’ll get a new car in the case of a write-off to your recent model car.

  • Emergency repairs after a collision or theft

We know you need to get your 4WD fixed fast! That’s why emergency repairs come standard with policy, getting you back on the road quicker.

  • Temporary accommodation if your vehicle is disabled or stolen more than 100 kilometres from home

Because no one wants to camp out in their car, or have to fork out a fortune for accommodation just because you can’t drive anywhere!

  • Cover for personal belongings

Accidentally left the iPad in your 4WD and it gets broken into? Don’t stress, with personal belongings cover any items that are damaged or stolen from your vehicle can be replaced or repaired.

  • The cost of hiring a vehicle (for up to 14 days) if your vehicle is stolen

Even though car theft is on the decline, it can still happen – and it could even happen to you! Make sure you’re covered with included car hire for up to two weeks if your car is stolen.

  • $20,000,000 legal liability for Property Damage

Accidents do happen. And while we all like to think that we’re great drivers, sometimes you are at fault in a collision. You’re covered for up to $200million in legal liability for any damage that you cause to property with a 4WD insurance policy.

  • Pay by the month premiums available at no extra cost

Forget those policies that charge extra just because you want to pay on a monthly basis. Pay by the month without any extra charges!

  • Standard excess applies to off road accidents

Choose your excess level when it comes to any accidents you’re involved in while off roading.

  • Choose your own repairer

Love Bob the panel beater down the road? You can choose who you want to repair your vehicle, or discover and choose from a list of recommended repairers.

  • Vehicle recovery to nearest repairer

Get towed to the nearest repair shop to sort out your 4WD sooner.

  • Child seat/capsule cover

Child seat and capsules aren’t covered in many car insurance policies, however, we believe this is an essential item for parents to include.

  • Cover for major personal injury

All major injuries to yourself or passengers are automatically covered. Don’t risk forking out thousands in hospital bills.

  • Rekeying and recoding of locks and keys

If your keys have been stolen, your policy will cover you for the costs of getting your locks refitted and keys replaced.

You can also choose from the following extra options:

  • Windscreen cover

If you’re off-roading, country driving, or heading out down the gravel track we highly recommend picking up windscreen cover. Windscreens crack and shatter more often than you probably imagine!

  • Tools of trade, stock and materials due to theft or damage

If you’re a tradie, then you rely on your tools and materials to do your job properly. Would your work suffer, or be impossible to complete if they were stolen or damaged? If the answer is yes, the make a note to include your tools and materials in your 4X4 insurance policy.

  • The cost of hiring a vehicle (for up to 14 days) after an accident

Don’t feel comfortable driving your damaged car about after an accident? Want to put it in for repairs right away and not have to catch the bus about? You can choose to add 2 weeks of car hire following an accident, so that you can stay on the road.

What’s different about 4X4 off-road insurance?

Well, while the sedan that you drive to work every day isn’t getting much of a runabout, and is just puttering away happily on those smooth, suburban, and city roads, your four wheel drive is the car you take out:

  • When you’re ready for adventure.
  • When you’re ready to get out there and have some fun!
  • When you’re out there on the bush and beach tracks and climbing over those rocks, sloshing across the creek (thanks to your trusty snorkel!), towing the boat down to the boat ramp for a day out on the water, or getting out there with your caravan on your great cross-country adventure, you need to make sure that you’re covered for any incident that might crop up.


Your 4X4 works hard on and off the road, so it needs to be covered for all those cases when you push it further than you would an ordinary car.


We can also help with policies for tradies who rely on their workhorse 4WD for everyday use for their job.

At DGA, we’ve been in the business for over 25 years, earning a reputation for total reliability and superior customer service. We believe that we can find you the best four wheel drive insurance policy, and in the case of theft or accident, get you back on the road faster and more smoothly than you would ever think possible.

We are so confident of our product and service that we offer our signature money back promise. If you are not completely happy with your policy, we will try to help, or you can return it with the policy schedule for a refund. We will refund the full amount if you do this within fourteen days of cover starting and no claim is made.

If you’d like more info on 4WD insurance, or are ready to get your obligation free quote, give us a ring on 03 8636 9000.

* Please note, wear and tear and faulty workmanship is NOT covered by your insurance policy
** always read the PDS before making your decision to purchase the insurance product