Which classic 4x4 is the cheapest to insure?

Whether you're looking to go green-laning, or just tackle some trecherous terrain during the winter months, there's a classic four-wheel drive for that. Lots of manufacturers have offered 4x4s over the years that range from utilitarian to urban, wonderful to just plain weird.

Can I get it on a classic policy?

All of the cars featured here are available on a classic policy, but it's always worth checking with your insurer.

What are the benefits?

As well as being with a specialist insurer, a classic policy will often offer benefits such as limited mileage discounts, free European cover, agreed valuation and club member discounts

How much are they worth?

Owning a classic 4x4 doesn't have to break the bank, either. Pick something like a Lada Niva and you'll have go-anywhere motoring for just over a grand with an insurance premium that won't sting. Of course, there's plenty of high-performance choices for 4x4s if that's your thing... but it could get pricey.

What to look for when buying one?

Each model has its own weak spots and quirks, but make sure the car has been well looked after, check for accident damage, rust, and that the engine is in good health.

How can I lower the cost of my insurance

Insurers often offer discounts if you’re a member of a classic car club. You could also get yourself a discount by keeping the miles down. If you've recently passed your test, consider taking a PassPlus, IAM or other driver qualification - some insurers will chip a bit off your premium if you do. Keeping your car garaged is also another good idea.

What about modifications?

Always tell your insurer about any modifications to the vehicle - some modifcations such as security systems or tracking devices can reduce your premium. But if your insurer knows your car is modified, you'll most likely get like-for-like cover so you won't be out of pocket if you need to make a claim.

Insurance quotes

The following fully-comprehensive insurance quotes are on a 40-year-old Cambridgeshire-based man in full-time employment. He is named driver on another car and has clean UK licence. Mileage is limited to 3000 a year and the car is kept garaged overnight.

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