28 Oct 2010, 5:36am
car and insurance
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The advantages of a 4×4 would be the ideal solution for many motorists

After a lot of Britain experienced some pretty harsh weather conditions throughout the winter of 2009/10, many motorists were left wishing they had been owning a 4×4 when driving on treacherous roads proved just a little dicey in a very regular car. Insurance providers without doubt had to manage an exceptional rise in claims following a rise in accidents due to the kind of conditions that many of us aren’t familiar with having to manage, but who’s to say that winters of such severity aren’t likely to end up the annual norm in future?

Such a prospect is fairly going to provoke an increase in 4×4 sales, so for any significant volume of drivers have been considering imminently replacing their car as a point of course, the idea of purchasing a 4×4 vehicle instead might appear being a very astute one. Keep in mind things aren’t entirely what they was previously inside the 4×4 department: robust Land Rovers, hefty Jeeps and thumping great Land Cruisers are no longer the only options, plus it all really depends on your individual reasons and circumstances as to how large you need to go.

Nowadays there are plenty of smaller, much more economical and urban-friendly kinds of 4×4 vehicle, some of which look, on the outside, not much different from many other saloons, estates or hatchbacks you observe driving around the roads of the UK. Those who regularly commute to the office or cover several miles every day tend to be more prone to choose this kind of 4×4, the benefits being the smaller overall size and increased fuel efficiency and, of course, the assurance of maximum stability on potentially icy road surfaces after the mercury drops below zero and stays there.

The sheer selection of 4×4′s is mind-blowing, for many they play a crucial role in everyday life – farming, construction and distribution are only a few industries that rely heavily upon vehicles with the capacity, stamina and versatility of a 4×4, not forgetting their value to the military. They likewise have a significant part to play in sport and leisure, their off-road capabilities and powers of endurance often being tested to the limit across terrains that no other vehicle could possibly contemplate, and no family camping or caravaning holiday should do without one!

Even though there is a time and a place for every type of 4×4 car insurance, need not be the nightmare you’re expecting when there are plenty of companies on the market competing for the hard earned cash, and if you’ve decided that the advantages of owning a 4×4 suit your expectations and make it worth buying one then the chances are you’ve already researched the insurance situation. But, if you’re using the Porsche Cayenne to do the school run in central London, the price of your car insurance premium will be the least of your worries…