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Are 4x4s Insured? What about unsealed roads?

Are 4x4s Insured?

Some but not all policies are providing coverage for 4x4s and offroad driving. Please refer to your policy wording to see if 4x4s are included.

Are unsealed roads insured?

Some of our policies allow driving on unsealed roads as long as those roads are permitted for travel by the rental company. If you have a 4x4 the rental company will usually nominate which roads are/are not permitted.

Driving on Unsealed Roads That Are Not Permitted

If you have an accident or if the vehicle is damaged on a non-permitted road your potential liability will exceed your excess because it is deemed a "violation" of the rental agreement. Your rental company may apply significant legal fees to your bill so your excess may even exceed the total cost of the vehicle if it is a serious accident. We strongly advise drivers to comply with the terms of the rental agreement! All claims are invalidated if there is a violation of the rental company's terms.

Driving on Unsealed Roads That Are Permitted

If the rental company permits it, and your policy provides coverage for 4x4s, policies provide coverage on unsealed roads. If a rental company allows driving on unsealed roads they will specify which ones can be driven on or they will specify the limits, for instance, driveways, campsite roads etc are usually permitted.

What about water damage?

Similar to above, if you have not breached the vehicle rental agreement you will be able to make a claim. Most companies consider water damage a breach of the agreement conditions. Therefore they reserve the right to charge you for repairs that might exceed the vehicle excess (i.e. they can charge you the full cost of vehicle replacement).


Example: When a 4x4 Isn't Insured customer Mick Jagger is taking some time out of his busy 9 to 5 job to explore the wilderness of Brazil. While exploring Mick takes his hired 4x4 vehicle across a river trail to avoid driving an extra mile to the next bridge. Unfortunately for Mick the water level is much higher than he'd thought, and his car gets stuck halfway.

Most rental companies will deem Mick's accident a breach of their terms, and therefore for once in his life something isn't going to go Mick Jaggers way. Unfortunately, he will have to pay the full cost of recovering the vehicle plus the cost of any damages to the car. Similarly Mick won't be able to claim any of his costs from because he breached the rental agreement terms.

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Please check if these questions are relevant or scroll down to contact us:

About Our Price Guarantees

How are coverage days calculated?
I found a better price on a policy, will you match it?


What are the benefits?
Who is & Who provides the coverage?
What is the Rating of Our Underwriters?

Alternatives to

How to make an informed choice when you get to the rental desk - your insurance options explained.
Can I rely on Travel Insurance?
Should I just risk it and not get insurance?

Annual Plans

How Do I "Log" Rentals For My Annual Plan?


How do claims work for "Extra Cover" (for USA & Canada)?
How do claims work for "Zero Excess Rental Cover", "No Excess Rental Cover" & "Rental Vehicle Cover"?
When can I expect claims to be settled?
How do I make a claim?
Am I insured if I have more than one accident?
How do I report a claim for "Collision Damage Coverage" (for US Residents)?

Country: Asian Countries

What should I do at the rental desk in Asian Countries

Country: Australia/NZ

How does Excess Reduction & Third Party Insurance work in Australia and New Zealand
What should I do at the rental desk in Australia/NZ?

Country: Canada

How does rental excess & CDW work in Canada? What are my options?
What should I do at the rental desk in Canada?

Country: EU/UK

How does rental excess/CDW work in Europe? What are my waiver options?
What should I do at the rental desk in EU/UK?

Country: Latin American Countries

What should I do at the rental desk in Latin American Countries

Country: Namibia/Africa

How does rental excess & CDW work in Africa? What are my options?

Country: United States

What are the insurance options in the USA? How does the US differ from most other countries?
How Does The Free Roadside Assistance Work for USA Policies?
What is Extra Cover for the USA? What do I say at the rental desk?
What should I do at the rental desk in the US?
What should I do at the rental desk if I am traveling abroad with Collision Damage Coverage (for US Residents)?

Country: Worldwide

What should I do at the rental desk: Introduction

Damage Waivers (CDW, LDW, Super CDW, Super LDW)

What is "excess", "CDW", "LDW", "excess reduction", etc? And what is
How much do I pay if there's an accident?
How do "LDW" and "Super CDW" and "Super LDW" differ from simple "CDW"?

Managing/Cancelling/Modifying Policies

How do I cancel a policy, change dates or add coverage? What if I changed my rental vehicle?
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When are the policies issued?
How do I submit my airline rewards program number?
How much coverage do I need?
Are there age or residency restrictions?
Are additional drivers insured?
How do I change the name of the policy holder?
Who is insured? What is insured?
I bought a policy but changed my car. Do I need a new policy?
How do cancellations and refunds work?
What is a refundable deposit/bond? When does it get refunded?
How do I add coverage to my policy?
I have several rentals over a period of time. Do I need a policy for each rental? What if I have several countries to visit?
What are my policy's inclusions?

Personal Accident Insurance

What is PAI (Personal Accident Insurance)?

Supplemental Liability Insurance

What is SLI (Supplementary Liability Insurance)?

Theft Protection

What is Theft Protection?

Third Party Cover

Is "Third Party" included?
Why do rental companies charge a large excess when the repair cost is small? What happens if I'm "not at fault"? Will I get my money back? When?

Types of Vehicles & Types of Rental (Peer To Peer etc)

Are 4x4s Insured? What about unsealed roads?
What types of "rentals" are insured? Car shares? Loan cars from mechanics?

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