Insuring a Land Rover

Insuring a Land Rover Range Rover

Are you the proud owner of a Range Rover, Range Rover Sport, Range Rover Velar, or Range Rover Evoque? If so, you drive a car that’s known worldwide for its combination of unparalleled luxury, refinement, and outstanding off-road capabilities—a car that exudes both comfort and style and retains its value exceptionally well.

For a Range Rover, standard auto insurance is often not enough. There are several reasons for this:

• Higher repair costs: A Range Rover is a luxury vehicle equipped with complex technology, which means that the costs for replacement parts, repairs, and maintenance are significantly higher
• Prone to theft: Because of their high value, Land Rovers—especially the Range Rover—are popular among thieves. As a result, the risk of theft is higher

Many insurers use a claims management program when a claim is filed. For example, you may receive a discount on your deductible if you choose an affiliated repair shop. For a Land Rover, it is important that the repair shop uses original parts and materials and follows the manufacturer’s specifications.

Insure Accessories and Upgrades as Well

You can customize a Land Rover entirely to your own taste with, for example, a running board, a tow hitch, roof rails, alloy wheels, and a carbon-fiber grille. As a standard feature, accessories worth up to approximately €1,000 are often covered by the insurance.

Have you installed more expensive parts or performed a complete upgrade? If so, you can easily include this additional amount in your coverage. A set of original or sport rims often exceeds the standard coverage amount. Be sure to report these parts to the insurer when you purchase the policy.

It's good to know that software-based tuning, such as engine management adjustments (ECU tuning), is usually excluded from coverage.

Claim-free years: how they affect your premium

The moreclaim-free years you’ve accumulated, the lower your Mercedes insurance premium will be. If you don’t file a claim during an insurance year, you’ll accumulate one claim-free year. If you file a claim, however, you’ll lose claim-free years, which will affect your premium.

Replacement Value or Purchase Price: How Does Compensation Work?

The replacement value policy means that, in the event of theft or a total loss, you will receive the replacement value for up to 3 years. This policy applies to new Land Rovers.

Do you own a used Land Rover? If so, you might want to consider the purchase price coverage option. Under this option, the insurer will temporarily reimburse the purchase price in the event of damage or theft. Neither of these options is included in the standard coverage; they are optional.

Additional Safety Requirements for Luxury Sports Cars

Land Rover's Range Rover lineup includes the company's luxury models, such as the Range Rover, Range Rover Sport, Range Rover Velar, and Range Rover Evoque. Insurers may impose additional security requirements for insuring these models.

Because of their high value and popularity among car thieves, insurers often require additional security measures for these types of models, such as a Class 5 vehicle tracking system or an SCM-approved alarm system.

Exactly which additional measures are required depends on your insurer, the type of car, your region, the coverage you’ve chosen, and the list price. Sometimes these requirements apply starting at a list price of €75,000, but for models that are prone to theft, the threshold may be lower.

Calculate your premium online and see right away what requirements the insurer has regarding alarm systems and other security measures.

Insure Your Land Rover Through Alpina

• Experience with high-end and sports cars
• Replacement Cost Coverage and Supplementary Insurance Available
• Get a quick overview of your premium, with no obligations