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What is Land Rover insurance?

Land Rover insurance is car insurance you take out to cover your Land Rover. You can buy insurance directly from Land Rover itself, but you can also get it from many other providers.

The cost of Land Rover car insurance has skyrocketed in recent years, largely due to reports of an increase in thefts of high-end models. Some owners have even struggled to get cover at all.

That makes it all the more important to compare your options to make sure you’re getting the cover you need at the most competitive price.

Who is Land Rover?

Utilitarian and old-school cool, Land Rover is a British institution car manufacturer specialising in four-wheel drive vehicles. It has been around since 1948 and boasts a wide range of popular models, including the Range Rover, Discovery and Defender.

Although Land Rover cars are known for their ruggedness and off-road capabilities, modern models also feature luxurious interiors. And you can now buy plug-in hybrid Land Rovers too.

Land Rover still designs and builds cars in the UK. But it’s now owned by Jaguar Land Rover (JLR), a subsidiary of the Indian automative giant Tata Motors.

Do I need Land Rover insurance?

You’ll need a minimum of third-party only car insurance to drive your Land Rover on UK roads.

But buying a Land Rover can be a significant expense – especially if you buy a brand-new model. So, you may want to consider comprehensive car insurance.

Comprehensive cover can mean you’re not left out of pocket if your Land Rover is damaged in an accident or stolen. And, perhaps surprisingly, it can be the more affordable option.

If you own a vintage model, you can also find specialist classic Land Rover insurance cover to protect your prized 4x4. We can help you compare classic car insurance.

What is the difference between Land Rover insurance and regular car insurance?

Land Rover offers specialised insurance. It includes repairs completed by Land Rover trained technicians and carried out using Land Rover parts.

You may be able to get an insurance policy directly from Land Rover to cover your Defender, Range Rover or Discovery, if it’s under 25 years old and you meet the eligibility criteria.

However, you may find many of the features included in Land Rover insurance in other comprehensive policies. For example:

Buying a policy directly from Land Rover may mean you have access to greater expertise when it comes to repairs after an accident. However, if you’re looking for cheap Land Rover insurance, it could be a good idea to widen your net and compare quotes from different providers.

What models are covered by Land Rover insurance?

You can find insurance for all types of models, whether you need Land Rover Defender insurance, or insurance for your Range Rover. However, the model you drive could affect the cost of your premium.

That’s because different models could be in different car insurance groups. Your Land Rover’s insurance group rating – from 1 to 50 – is one factor that insurance providers look at to decide how to price your premiums.

In general, the higher the group, the higher the cost to insure.

The insurance group your Land Rover model is in depends on factors including:

Its value
How much it costs to repair
The engine power
How it has performed in safety and security testing.

If you’re in the market for a new or used Land Rover, you can use our car insurance group checker to see what group that model is in.

How much does Land Rover insurance cost?

The cost of car insurance for a Land Rover is based on the model you drive and its car insurance group, as well as other factors relating to you as a driver, including:

Your age
Where you live
Your annual mileage
Where you park your car at night
The level of cover you want for your Land Rover
Your driving history and if you have a no claims discount.

Find out more about how car insurance premiums are calculated.

Can I cut the cost of my Land Rover insurance?

There are steps you can take to try to reduce the cost of Land Rover insurance. For example, you could:

Pay upfront. If you can afford to do so, paying for the year in one go means you won’t be charged interest.
Drive safely and build your no claims discount.
Increase the voluntary excess. This is the amount you agree to pay if you need to claim. Just make sure you can afford to pay both the voluntary and compulsory excess.
Avoid any modifications. They can increase the cost of your cover.
Park off the road, ideally near to your home in a well-lit area. Or see if you could get a discount for adding additional security features such as an immobiliser.
Only pay for the cover you need. Avoid unnecessary add-ons that could bump up your price.
Shop around. One of the best ways to find the cheapest Land Rover insurance is to compare quotes from a range of providers. That way you can find the right level of cover at the most affordable price.

What do I need to get a quote for Land Rover insurance?

To compare car insurance quotes with Compare the Market, we’ll need a few details about you and your car including:

Your car’s registration number, make, model and age
What you use your car for – for example, if you use it to commute
How many miles you drive in a year
Personal details including your age and occupation
Where you live
Your driving and claims history
The details of any named drivers you want to add.

Compare Land Rover insurance quotes with Compare the Market

When you’re looking for cheap Land Rover insurance it could pay to shop around. We compare car insurance quotes from different providers so you can find a more affordable price for the cover you need.

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Frequently asked questions

How old does a Land Rover have to be to be considered classic?

Your Land Rover may be considered a classic if it’s over 20-25 years old. But it depends on the terms of your insurance provider as well as the condition of the vehicle. Your car could be considered classic earlier than that if it’s a rare model or has historic significance.

Whether classic car insurance would be suitable for your Land Rover can also depend on how you use your vehicle. Insurance providers expect classic car owners to drive their car less – more for special occasions like a car show, than popping to the shops.

Can I insure a modified Land Rover?

Yes, you can insure a modified Land Rover. But in some cases you may have to look for a specialist modified car insurance provider. It depends on the extent of the modifications.

If the modifications made to your Land Rover increase its value, increase its speed or make it more attractive to thieves, it could bump up your car insurance premiums.

What insurance group is a Land Rover Defender?

The insurance group of your Land Rover Defender depends on what specific model you have. There are many different versions of the Land Rover Defender, with different specifications, and that means they could fall into different car insurance groups.

The same applies to other types of Land Rover.

An easy way to check on your Land Rover model – or one you have your eye on – is to use our car insurance group checker.