Four wheel drive on a dirt road

4WD insurance that's a bit more you-shaped

Where you go with your 4wd is unique, so choose the 4wd insurance that works for you.

Where you go with your 4wd is unique, so choose the 4wd insurance that works for you.

AWARD-WINNING INSURANCEFinder Best Car Insurance Features

Youi's Finder Best Car Insurance Features 2023 award Youi's Finder Most Satisfied Customers for Car Insurance 2023 award
Youi Trustpilot star rating 4.4/5 Trustpilot Logo

Why you need 4WD insurance with Youi.

Here's just some of the benefits that come with covering your ride.

Car on Beach at sunset


  • Roadside assistance
    Having trouble with those monster-truck tyres? We can help.1
  • Cover for your load
    Cover worth up to $1,500 for your unbraked trailer is included as standard with comprehensive policies.5
  • One event, one excess
    If you make a claim for the same incident on more than one Youi policy, you’ll only need to pay one excess. The incident must be a single event that occurs at the same address and time, and the applicable excess will be the highest excess amount noted on the relevant policies.
  • Lifetime quality repair
    We guarantee the quality of all authorised repairs with our nationwide repairer network, as long as you're the owner for the vehicle.9

4WD owners switched and saved.*

Around 83% of drivers who switched to Youi told us they saved on their car insurance.

How much did they save?

An average of $204 per year

In fact, our customers told us
they saved $9.3 million*

Figures are based on feedback received by 55,188 Youi policy-holders residing in Australia who responded to an opt-in survey between the months of 22 Apr 2023 and 21 Apr 2024. Survey results are based on information provided by new customers and have not been independently verified by Youi. Youi has not undertaken a comparison between surveyed customers’ former product and its own. Survey results include customers who bought car insurance products. Premiums and savings are subject to rating and underwriting and individuals’ own circumstances.
* Disclaimer


Got questions about 4WD insurance? You might find the answers here.

Am I covered to drive off road or on the beach?

If your car (typically a four wheel drive vehicle) was designed to drive off-road or on the beach, it will be covered.  However, you have to ensure that you drive the car only in a manner and under conditions that are within the manufacturer's recommended guidelines, and that you take reasonable care to prevent loss or damage.

Sometimes. Under our Comprehensive and Third Party Fire & Theft policies, we may insure cars that have been legally modified to improve performance or handling, provided you tell us about them and we agree on any specific amounts that are applicable. Examples of legal modifications we may cover include:

  • Suspension (raised or lowered)
  • Engine (replacement, tuning, turbo, etc.)
  • Exhaust
  • Disability modifications such as lifts and ramps

We also may cover the following additions to your car: baby seats, personalised plates, towbars and window tinting.

We know that your car and the way you use it is unique, so it’s worth you considering your circumstances when looking at car insurance.

With this in mind, we’ve created our Comprehensive, Third Party Fire & Theft and Third Party Property Only car insurance covers. We also offer NSW CTP and SA CTP insurance.

Choosing which car insurance to buy can be complicated, so we’ve tried to make it as simple as possible. Check out our different types of cover to get a better understanding of what’s on offer.


4WD owners love being with Youi.

Whether it’s over the phone or online, we’re here to make things simpler for you – to provide the insurance you need, minus the hassle.

Get great cover for the great outdoors.

Make life easier by combining all your leisure and lifestyle policies in one place.

Winners for car insurance again. 

The experts at Finder rated us as winners for Best Car Insurance Features and Most Satisfied Customers for Car Insurance in 2023.  
Not to mention also, you made us winners of Mozo’s People’s Choice Award for Excellent Customer Service in 2022. Thanks Australia.

Youi's Trustpilot score


Youi car insurance customers rate their experience with us a 4.4 out of 5. Take a look at some of their great reviews on Trustpilot.


Trustpilot logo

4.4 / 5 from over 14,915 reviews.

Check out our full range of products.

Along with insurance for your 4WD, here’s some of the other policies you can get with Youi.

1 Youi Roadside Assist included with Comprehensive cover only. Exclusions, limits and additional fees may apply. Cover not available within first 24 hours of taking out, or upgrading to, Comprehensive cover. See the T&Cs and PDS for full details.
2 Available with Comprehensive policies. For more details, see the PDS.
3 If your car is a total loss from an insured event within 24 months of it being first registered, we’ll replace it with a new one or pay the equivalent replacement cost.
4 Available for Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
5 Available for Comprehensive and Third Party Fire & Theft policies. Limits apply. For more details, see the PDS.
6 If your car’s unsafe to drive after an insured event and you’re more than 100km from home, we’ll reimburse you up to $1,000 for combined emergency transport, accommodation and/or repairs. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
7 Available for Third Party Fire & Theft and Third Party Property Only policies. The required details of the uninsured third party involved include the full name of the third party and two of either their phone number, address, driver’s licence number, or the registration number of their vehicle that was involved in the incident. For more details, see the PDS.
8 Available with all levels of car insurance except CTP. For more details, see the PDS.
9 Applies for claims where we arrange, authorise and pay a service provider for the repairs. For more details, see the PDS.