Who is Land Rover?
Land Rover is a company that specialises in luxury SUV vehicles. The name itself was coined by the Rover Company back in 1948 to market their new off-road vehicle. The Land Rover brand is now owned by Jaguar Land Rover, which is itself a subsidiary of Tata Motors of India.
In 1951, King George VI granted Land Rover a Royal Warrant, and in 2001 the company received a Queen's Award for Enterprise. Land Rover vehicles are currently made in the UK, as well as in India, Slovakia, Brazil and China.
Land Rover has been one of the most iconic British car brands for over half a century.
How Much Does a Land Rover Cost to Insure?
The type of Land Rover you drive, coupled with your driving history, and any no claims discounts you may have are the biggest determining factors when it comes to the cost of your insurance premium. In the table below, you can see price differentials across some of the most popular Land Rover models. It should be noted overall that Land Rovers are expensive to insure due to a higher risk of theft, higher repair costs and higher claim costs.
| Model | Average Price |
|---|---|
| Land Rover Discovery | £1,475 |
| Range Rover Evoque | £1,725 |
| Land Rover Defender | £1,558 |
| Land Rover Discovery Sport | £988 |
| Land Rover Freelander | £776 |
| Land Rover Range Rover | £2,560 |
| Land Rover Velar | £1,093 |
| Ranger Rover Sport | £2,078 |
How Can I Get Cheaper Land Rover Insurance?
As noted above, owning a Land Rover often means higher insurance costs, so naturally, you'll want to try and save some money on your premiums. So, to find the best insurance deal, consider these tips:
- Limiting your annual mileage: The lower your annual mileage, the lower risk you are perceived to be by insurers. Thus, by declaring as low mileage as possible you will help to keep costs down. Just remember to be as accurate as possible when declaring your mileage as by underestimating too much you could end up invalidating your entire policy.
- Always compare: Always compare car insurance quotes from multiple providers. To get the best deal on your Land Rover insurance, consider switching providers every year.
- Improve your car's security features: Land Rovers are enticing to thieves so improving or adding security features such as immobilisers, alarms and even tracking devices can help you get a cheaper quote.
- Avoid modifications: Insuring modified Land Rovers, such as those with off-roading accessories, engine upgrades or adding exhaust systems etc can increase your premiums significantly. So to get cheaper insurance, these should be avoided.
- Add a named driver: Adding a named driver who has a good driving record to your policy can help lower your premiums.
What Factors Influence the Cost of Land Rover Car Insurance?
When giving insurance quotes, insurance providers will consider the following factors:
- How you use your vehicle: Those who use their Land Rovers for personal use are likely to see lower quotes than those who use their vehicle for business purposes. This is due to increased risk and higher annual mileage, as the more you drive, the more at risk you are of an accident.
- Insurance type: From classic car insurance to standard fully comprehensive cover, the type of policy you need will always influence the cost of your premiums. Often, the most basic cover (third party only) is the cheapest, but this is not always the case - another reason to always compare as many providers as possible.
- Land Rover type: If you're driving a higher spec model such as the Range Rover Velar or even a Classic Land Rover, then you'll be in a higher insurance group due to the vehicle’s value, potential repair costs and theft risk. Those who drive a more standard model will be in a lower insurance group and this will be reflected in their premiums.
- Driver details: Careful drivers with no history of making a claim and plenty of road experience can expect a lower premium. Younger drivers or those who have recently passed their test should be prepared for higher premium costs.
- Modifications and extras: From performance enhancements and suspension modifications to tyre upgrades and luxury interior modifications, drivers with vehicle extras can expect higher insurance costs.
- Location: Where you live matters. Generally, drivers who live in rural areas can expect lower premiums versus those living in more urban areas. Again this is due to the likelihood of being involved in an accident and the increased risk of theft in more densely populated areas.