Land Rover Car Insurance

So you own a Land Rover Car? Hats off just to that!

Planning to renew the insurance of your good old Land Rover Range Rover Evoque or looking for the best car insurance for your brand new Land Rover Range Rover Sport – you’ve landed in just the right place.

Let’s dive into the car insurance basics for your Land Rover car.

Understanding Land Rover Car Insurance

Must-know Coverage for Your Land Rover Car

You can get following kinds of insurance policies for your Land Rover Car:

Third-Party Car InsuranceComprehensive Car Insurance
Only covers third-party injuries and damages, and not those to your own vehicle.Gives third-party policy + coverage for losses and damages to your own car
Mandatory by Indian Motors Act.It’s not mandatory to buy coverage for your own car’s damages, but then we all know the state of Indian roads. And, who doesn’t love their Land Rover car?
Additional coverage like bumper-to-bumper cover, engine protector is NOT available.Additional coverage, like engine protector, bumper-to-bumper cover, no-claim bonus protector cover are available, at a slightly extra premium cost.

Why You Should Insure Your Land Rover Car?

Most Land Rover cars drive well on Indian roads and are priced to match affordability and mileage. With suitable comprehensive car insurance, you can:

  • Be sure that you’re rightfully compensated if your Land Rover car was stolen or damaged beyond repairs.
  • Get coverage for a third-party if your car caused an accident and the third-party was injured or their property damaged.
  • Get comprehensive coverage, in case of damages, were caused to your car [during an accident or because of natural calamities].
  • Be sure that no traffic policeman heavily fines you for not having a car insurance policy. Strictly, say no to bribery!

Good-to-Have Insurance Add-ons for Land Rover Cars

  • Zero Depreciation Cover:

Irrespective of the model of Land Rover you have, depreciation is applicable to all kinds of metal, plastic, and fiberglass parts. In case of repairs/replacement claims, you would have to pay for the depreciation cost. However, with zero depreciation add-on, you can get that covered.

  • Return to Invoice Cover:

So that, if your car was stolen or completely damaged, the claim settlement amount from the insurance company is not as little as the current market value of the car. Instead, it would be as much as its invoice value. This is possible even in a case where your car was two years old, with a 20 percent lower current market value.

  • Engine Protector Cover:

A regular comprehensive car insurance policy does not cover the damages to your engine. With an engine protector cover, you could claim for those damages too. Whether you own a high-end car like Land Rover Discovery 4 or Land Rover Range Rover Sport or regular hatchback like Land Rover Range Rover Evoque Huracan, it makes sense to buy this add-on. This add-on is also suitable for cars located in flooding prone areas.

  • No-claim Bonus Protector Cover:

If you are a good driver and have a tendency to claim less, you would certainly know about the no-claim bonus that you can earn for every claim free year. This bonus helps you in earning as much as 50 percent discount. However, a single claim can reduce the accumulated NCB to zero in the next year. The solution to safeguard that NCB is to buy this add-on. High-end Land Rover cars have higher own-damage premium. So if you have accumulated enough NCB and don’t want to lose it for a claim, this is a good-to-have add-on.

  • Passenger Cover:

This personal accident cover for the passenger is a must-buy for any Land Rover car owner. A lower end model of Land Rover may not come with safety features like airbags or child safety locks. If you use your Land Rover car to drive your family on a daily basis, it makes sense to buy this add-on.

A lot of insurance companies offer specific add-on coverages at an additional premium cost. Depending on the model of Land Rover you have, do enquire with your insurer about these coverage options. Key replacement, roadside assistance, personal accident cover of passengers could be a few such options.

Things a Car Insurance Covers For Any Land Rover Car

  • Personal accident coverage for owner-driver
  • Accident-related damages to your car
  • Damages caused during a natural calamity like flood or storm
  • Loss because of fire, explosions
  • Compensation for Stolen Car

Things a Car Insurance Does Not Cover For Any Land Rover Car

  • Wear and tear caused over the years [including flat tyres]
  • Losses caused when the car was driven without a driving license
  • Damages caused when the car was being driven under the influence of alcohol
  • Driving outside the geographical limits
  • If the car is used for anything beyond its legal purpose [racing, illegal activities, organized crime]

Questions you might ask about Land Rover Insurance

How can I renew my Land Rover Insurance online?

Your Land Rover Car Insurance Policy can be renewed online very seamlessly through your insurer’s online portal or your broker’s portal.

  1. If you have already selected an insurance company you can go to the insurer’s portal and renew it online by filling in the details.
  2. All you need to fill are your car details (like Vehicle Registration Number, Engine/Chasis Number), your previous insurance details and your contact details. Once done, you can then renew the policy online by paying via net banking, wallet or credit/debit card.
  3. Also, it is not necessary to continue your insurance policy with the same insurance company as the previous year. You can easily purchase an insurance policy from a different insurer, as long as you are aware of the benefits and features being offered

The car insurance of my Land Rover Range Rover Sport has already expired. Is vehicle inspection mandatory?

Yes. Inspection is mandatory if the insurance for your car has already expired. You need to schedule an inspection before purchasing the policy. Once the surveyor approves, you can purchase the plan immediately online.

Is an online insurance policy valid for car?

Of course, it is valid. You get a valid car insurance policy by renewing the policy online. All you need to do is fill in your previous policy car details and get a valid insurance policy emailed to your registered email id. A printout of that would suffice.

How do I get a no-claim bonus at the time of renewal?

If you have not claimed in the preceding year, then you can avail a No-Claim Bonus (NCB) at the time of your next renewal. Keep one thing in mind: your car insurance renewal has to happen before the previous policy expires. If your policy lapses, you lose your NCB.

At the time of renewal of your Two-Wheeler Insurance Policy, you need to mention your last NCB and whether you have made any claim in the last year or not. You get discount on the own-damage premium as per the NCB grid provided by IRDA.

All vehicle Type NCB Grid% of discount on own damage premium
No Claim in the last 1 year20%
No Claim in the last 2 consecutive years25%
No Claim in the last 3 consecutive years35%
No Claim in the last 4 consecutive years45%
No Claim in the last 5 consecutive years50%

How much more do I need to pay for comprehensive car insurance?

The Third party insurance premium for car is fixed by the IRDAI. A comprehensive insurance policy includes own-damage premium too. The own-damage premium varies slightly from one insurance company to another and is dependent on a lot of factors, including your claims history and the age of your car. The overall premium for comprehensive insurance is slightly higher, but highly recommended if you are looking for complete coverage for your Land Rover car.

Models Manufactured by Land Rover: Which One Do You Drive?

Brand NameVariantsEngine CCMileage(kmpl)BHPWt. (kgs)Price Range(in Rs)
Land Rover Range Rover3.0L TDV6 Vogue299313.33244.1233022,000,000 to 23,600,000
Land Rover Range Rover4.4 SDV8 Vogue SE (D)436711.49335.3233025,700,000 to 27,500,000
Land Rover Range RoverLWB 5.0L V849997.8503233026,600,000 to 28,500,000
Land Rover Range Rover4.4 SDV8 Autobiography (D)436711.49335.3233026,800,000 to 29,000,000
Land Rover Range RoverLWB 4.4 SDV8 Autobiography Black Edition436711.49335.3233037,500,000 to 40,500,000
Land Rover Range RoverLWB 5.0L V8 Autobiography Black Edition49997.8503233038,500,000 to 41,500,000
Land Rover Range Rover Sport3.0 V6 HSE299312.65288.3211515,100,000 to 16,500,000
Land Rover Range Rover SportS299312.65288.3211511,600,000 to 12,500,000
Land Rover Range Rover Sport3.0 V6 SE299312.65288.3211513,200,000 to 15,000,000
Land Rover Range Rover Sport5.0L49997.24502.5231017,500,000 to 19,500,000
Land Rover Range Rover SportSVR49997.8502.8267520,400,000 to 22,000,000
Land Rover Range Rover Evoque2.0 TD4 HSE199915.6817718515,600,000 to 7,000,000
Land Rover Range Rover Evoque2.0 TD4 Pure199915.6817717664,585,000 to 5,200,000
Land Rover Range Rover Evoque2.0 Si4 SE199911.5623718104,995,000 to 5,500,000
Land Rover Range Rover Evoque2.0 TD4 SE199915.6817718105,095,000 to 6,500,000
Land Rover Range Rover Evoque2.0 TD4 SE Dynamic199915.6817718105,305,000 to 7,000,000
Land Rover Range Rover Evoque2.0 TD4 HSE Dynamic199915.6817718606,140,000 to 7,300,000
Land Rover Range Rover Evoque2.0 TD4 HSE Dynamic Ember199915.6817718606,790,000 to 7,400,000
Land Rover Discovery 44 TDV6 HSE299311.4245.41250012,000,000 to 13,000,000
Land Rover Discovery 44.3 L SDV6 SE WITHOUT SUNROOF299311.4245.41235011,100,000 to 12,500,000
Land Rover Discovery SportHSE TD4217912.63147.517445,334,000 to 5,800,000
Land Rover Discovery SportS TD4217912.83147.517884,380,000 to 4,700,000
Land Rover Discovery SportSE TD4217912.83147.517904,982,000 to 5,500,000
Land Rover Discovery SportSi4 HSE199912.6317718505,248,000 to 5,800,000
Land Rover Discovery SportSE TD4 (7 Seater)217912.83147.518505,250,000 to 5,900,000
Land Rover Discovery SportHSE TD4 (7 Seater)217912.81147.526005,348,000 to 6,000,000
Land Rover Discovery SportHSE Luxury SD4217912.97187.726005,716,000 to 6,200,000
Land Rover Discovery SportHSE Luxury SD4 (7 Seater)217912.51187.726006,218,000 to 6,800,000

New Land Rover Launched in India

– October 19, 2020

The  Land Rover Defender has been launched in the country. The Land Rover Defender 90 can be purchased in the price range of INR 73 to 85 lakhs. The other version, Land Rover Defender 110 is costly regarding the range. It is available in the price range of INR 79 to 90 lakhs. These vehicles come in the following five variants: Standard (base), First Edition, S, SE, and HSE. The 2020 Land Rover is being sold for the first time in the country. The Defender was introduced to the world in the Frankfurt Motor Show in the latter part of the previous year. The Land Rover Defender 110 is available for delivery while the Land Rover Defender 90 will be available for delivery in the next year. The car was poised to launch in August 2020 but the emergence of COVID-19 postponed the launch.

Land Rover Launches the All-New Defender in India

– October 15, 2020

British brand, Land Rover, owned by Tata Motors has launched the all-new Land Rover Defender in India. Prices for the capable Defender begins from Rs. 73.98 lakh onwards. The all-new Land Rover Defender comes in two body types: 3-door and 5-door versions, which are called as ‘90’ and ‘110’ as per the brand. The Land Rover Defender being sold in India comes in the guise of a 2.0-litre turbo-petrol engine that is able to produce a maximum power of 300hp and 400Nm of peak torque and comes mated to an 8-speed automatic gearbox. The engine helps propel the Land Rover to 100 km/h in 8.0 seconds. The SUV gets a permanent four-wheel-drive system and features the company’s Terrain Response System. Among the features, the top-of-the-line First Edition comes with automatic climate control, 10-inch touchscreen infotainment system, heads-up display, connected car technology, 12-way electrically adjustable front seats, LED lightings, a 360-degree surround camera, and Electronic Air Suspension. Among the safety features, the all-new Land Rover Defender comes with traction control, six airbags, ABS, blind spot assist, a driver control monitor and front and rear parking sensors.

Prices of 2021 Range Rover, Range Rover Sport Announced

– September 29, 2020

Land Rover’s Indian subsidiary has announced the price list of the 2021 models of their Range Rover and the Range Rover Sport. While the 2021 Range Rover is priced in the range of Rs. 1.96 crore to Rs. 4.08 crore, the Range Rover Sport is priced in the range of Rs. 88.24 lakh to Rs. 1.50 crore. Prices are ex-showroom (Delhi). The company revealed the 2021 models of the Range Rover and the Range Rover Sport earlier this year. The SUVs are now available in two body styles. One, the Standard and second, Long Wheelbase (LWB). These models also come with special editions such as Westminster Black, Westminster Edition, and Range Rover Fifty. The Range Rover 2.0-litre petrol S variant costs Rs. 88.24 lakh, the 2.0-litre petrol SE costs Rs. 95.24 lakh, while the top of the line variant the 3.0-litre diesel HSE Dynamic Black is priced at Rs. 1.50 crore. The Range Rover Sport can be had with the S, SE, HSE, Autobiography Dynamic, HSE Dynamic, HSE Dynamic Black and HSE Silver in no particular order. The SUV comes with either the 2.0-litre petrol unit or the 3.0-litre diesel unit. While the 2.0-litre unit is able to punch out a maximum power of 296bhp and a peak torque of 400Nm, the 3.0-litre mild-hybrid unit is able to push out a maximum power of 296bhp and a peak torque of 650Nm.

Jaguar Land Rover Comes Up with Advanced Infotainment System

– July 23, 2020

Jaguar Land Rover, a renowned luxury car company, has come up with an announcement stating it has developed a contactless touchscreen for its in-car infotainment system. This development has been brought in with the association of the University of Cambridge. A contactless touchscreen is claimed to help drivers focus on the road ahead instead of touching the in-car infotainment system. Such a contactless feature is also helpful to reduce the spread of virus and bacteria, especially during the ongoing COVID-19 pandemic. This innovative contactless technology is termed by the manufacturer as Predictive Touch, which is a part of the brand’s Destination Zero vision. This technology relies on Artificial Intelligence, Sensors, and Gesture Tracking along with other concepts to meet its goal. This type of technology has been tested in labs and on roads and resulted in a reduction in the driver’s touchscreen interaction.

Land Rover Begins Deliveries of BS6 Discovery Sport and RR Evoque

– July 8, 2020

Land Rover has begun deliveries of BS6 Discovery Sport and the Range Rover Evoque in India. Both vehicles employ the same engine. It draws power from a 2.0-litre four-cylinder petrol engine that is capable of producing a maximum power of 250hp and peak torque of 365Nm. The engine comes paired with a 9-speed automatic gearbox. They also boast of a 48V mild-hybrid system in an effort to increase the fuel efficiency of the vehicle. Both the Land Rover Discovery and the Range Rover Evoque are available in two variants: S and R-Dynamic SE. The entry-level variant comes with a powered tailgate, heated wing mirrors, a panoramic sunroof, power-adjustable front seats, 18-inch alloy wheels, the company’s Terrain Response System and cruise control as standard fitment. It also features a 10-inch touchscreen infotainment system and in the top of the line variant, there is a digital instrument console, dual-layout touchscreen infotainment system and a 14-way power-adjustable power front seat. While the BS6 Land Rover Discovery is priced at Rs.59.98 lakhs, the Range Rover Evoque is priced at Rs.58 lakh. Both are for the entry-level variant and are ex-showroom.