If you own a 4x4 (four-wheel drive) vehicle it must be insured in the exact same way as normmal car, and must also be declared SORN if it is not being used. Unfortunately 4x4 vehicles are not cheap to run - road tax is more expensive, they use more fuel and ultimately they cost more to insure as well.
Many factors are taken into account when calculating the cost of an insurance policy. These can include things like the age and occupation of the driver, previous claims history and any motoring convictions. Two other major factors are where the vehcicle is located and stored overnight and also what insurance group it falls into. There are 50 car insurance groups, with vehicles falling in the upper range the most expensive to insure. In the case of 4x4 vehicles this is due to a few reasons:
As with any insurance policy, there are a few ways in which you can help to reduce the cost. Although most new vehciles will come with a factory standard alarm and immobiliser, it may be worth having one installed on an older vehciles that may not have one, or upgrading an out of date system. Always ensure your vehicle is parked in the safest place it can be, if you have a garage make sure you use it rather than just leaving the 4x4 on the dirveway. Another simple way to reduce costs is to reduce the mileage you do. After all theres no need to use a 4x4 for the school drop off if you have another smaller car capable of making the trip. If possible pay for your premium in a single annual installment. Most insurance companies will charge you an additional premium to allow you to pay for your insurance on a monthly basis.
Never automatically renew a policy and always use a price comparison web site or ring around to try and get the best price. After all the cheapest policy isn't always the one thats best suited to your needs. You may find a policy is a lot cheaper as it won't actually allow you to use your 4x4 off-road, although in this day and age where 4x4 are geenrally only used on public roads this may not ba an issue to you!