Location: /Four Wheel Drive Insurance/4WD Vehicle

TCIS 4WD motor insurance policy is unique

TCIS currently use an extensive range of insurers to provide a broad range of cover with the ability to settle claims throughout the country.

The policy wordings we use are specifically targeted to the needs of Four Wheel Drivers. They offer cover for off road usage and have no geographic restrictions. We are continually reviewing these products to ensure they offer the most effective cover available in the market.

Benefits of our wording include:

Agreed Value Wording (including all accessories) - subject to vehile age and condition
Several companies offer a form of agreed value on the vehicle, but limit it to dealers guides and don't include accessories. Our policy allows you to nominate the full value of your vehicle and all accessories, subject to vehicle age and condition.

 Cover for Additional Annexes and Contents
We suggest contents be insured as camping equipment as the cover is broader.

 Modifications
No restrictions applied to vehicle modifications providing the vehicle remains legally roadworthy.

 Accessories
We allow additional cover for accessories up to 50% of your vehicle value

 Full Recovery Costs

 Full Off Road Cover
We have no limitations of any kind in our policy. You are covered whilst on the beach, crossing a river, at Cape York or in the middle of the Simpson Desert.

 Emergency Repairs to $1,000

 Personal Effects of $500

 Faultless Excess Provisions

 Optional Excess Free Windscreens

 Optional Restricted Driver or Low Kilometre Discounts

 Optional Rating One (Full No Claims Bonus) Protection


You keep your no claim bonus even if the claim is your fault.

Policy Wording

Our panel of insurers each provide their own policy wordings, options are provided for agreed value and full accessory cover. Individual wordings will be supplied by TCIS once the appropriate insurer is selected.

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