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Home / Motor Insurance / Car Insurance / Land Rover Car Insurance

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Land Rover Car Insurance

When talking about grace, class and power on wheels, the brand that will always come to mind is Land Rover. With spacious interiors, luxury features, immaculate engineering, impactful road presence and reliable performance, Land Rover cars have made a stronghold in the global car market. Originally a British brand, Land Rover entered the Indian car market back in 2009 and since then, it has offered impressive four-wheelers for its growing and loyal fanbase. Some of its most notable offerings in the market right now are the Land Rover Defender, Range Rover, Discovery, etc.
If you own one of these beautiful machines from Land Rover or are planning to get one brand new or from the second-hand car market, don’t forget to take the right steps to protect your car and yourself with a solid Land Rover insurance policy. Mishaps can happen to even the most cautious car owners, and most of the time it's not their fault. To ensure you and your car stay protected from any financial worries caused by such unfortunate damages/losses, consider getting a car insurance policy as soon as possible. You can find and purchase different types of Land Rover insurance policies on HDFC ERGO.

Why Do You Need Car Insurance for Your Land Rover?

There are many compelling reasons to opt for a car insurance policy for your Land Rover, such as;

Cashless repairs

With Land Rover car insurance, you will not only have access to fast and hassle-free claim settlements but also a wide cashless garage network under the insurer. So, instead of worrying about collecting funds for the damage-related repairs, you can get your car fixed at a network garage and let the insurer cover the bill directly with the garage.

Enhanced protection

Land Rover car insurance offers protection from a wide range of mishaps. With this policy, you don’t have to worry about car thefts, fire & explosion-related damages, calamity-caused losses, etc. Also, you can enhance its protection by opting for add-ons and adjusting the vehicle’s IDV.

Liability cover

The Land Rover car insurance covers third-party legal liabilities caused by the car in an accident. So, in case of any third-party accidental injuries, damages or property loss, you will be covered under the plan. This lets you make the necessary compensation in a timely and efficient manner.

Lower financial risks

With Land Rover car insurance, you will have much lower financial risks. You won’t have to tackle the massive repair costs for your Land Rover in case the damage/loss is caused by an insured peril. It also offers compensation in case your Land Rover gets stolen. So, all in all, your personal funds will remain untouched if you invest in car insurance for Land Rover.

Reduced anxiety

With an expensive car like the Land Rover, it is normal to feel worried at all times, even when the car is sitting in a garage. By having Land Rover insurance, your car will be protected against a series of perils, all while staying on the good side of the law. As a lavish car owner, this is the peace of mind you need.

Law Compliance

As per the Motor Vehicles Act 1988, all cars in India need to have valid motor insurance. Hence, you are legally bound to have valid insurance for your Land Rover in order to drive it on public roads in India. Failing to do so can result in massive fines and even jail time.

How to Buy Land Rover Car Insurance?

Keep your luxury vehicle protected at all times with a solid Land Rover insurance plan. You can buy Land insurance for Land Rovers both offline and online. Here’s how to buy it online from HDFC ERGO;

1. Visiting the website

Click on this link to get to the car insurance page by HDFC ERGO. Once you’re there, provide the necessary details, such as name, vehicle registration number, etc., complete OTP verification with your phone number and click “Get A Quote” to proceed.

2. Choosing coverage

In the following step, you will have to provide a few additional details about the vehicle, like its make and model, registration year and month, etc., as well as the past policy details. You will also need to pick your preferred coverage type, i.e., third-party, comprehensive or standalone OD cover, at this step. Once you’re done with the selections, proceed to get the premium quote by entering your contact details.

3. Completing payment

Pick add-ons and optional cover and adjust the IDV of the vehicle as required before moving on to the payment window. Fill in the necessary details and pay the Land Rover insurance premium online via any of the available payment modes to complete the purchase.

Why Buy Land Rover Car Insurance Online?

Buying car insurance for your Land Rover online makes a lot of sense when it takes a look at its advantages, such as;

No hidden fees

The process of buying Land Rover insurance online is known for its transparency. You can not only check and review everything but also get to see exactly what you are paying for with the detailed premium breakup. Additionally, there is no salesperson involved as you are directly buying from the insurer, hence, you won’t have to pay for any hidden charges or commission fees.

Simple customisation

When buying car insurance for a Land Rover online, you will be able to easily customise the plan as per your need and get instant quotes on its prices. You will be able to select coverage type, pick/remove add-ons, adjust vehicle IDV, etc., to find the right coverage that fits your budget.

No hassle of paperwork

The process of buying Land Rover car insurance online is paperless. You don’t have to worry about physical paperwork as the entire process is handled digitally. Once you have paid for the policy online, you will instantly receive a soft copy of the policy paper in your registered inbox.

Numerous choices

While you can only manage a handful of choices offline, online is a different game altogether. In just a few clicks, you will be able to access plans from a variety of insurers. This gives you multiple options to choose from instead of being stuck with limited possibilities.

Hassle-free comparisons

In just a few minutes and some clicks, you will be able to compare different plans across providers when buying Land Rover insurance online. If you are confused between a few options, this will help you find the best deal. Consider points like premium, coverage, exclusions, insurer’s CSR, etc., for comparison.

Saves time

When buying Land Rover car insurance online, there’s no need to physically make rounds of the insurers’ offices in your city. You can buy Land Rover insurance from the comfort of your home, office or any place via your phone or computer. This helps save time significantly.

Land Rover Car Insurance Policy Inclusions & Exclusions

What is covered?
What is not covered?

Here’s what your Land Rover insurance generally covers as part of the policy:

Accidents

The Land Rover insurance policy covers the repair costs associated with fixing accidental damages to your car.

Fire & Explosion

Damages to your Land Rover that are a result of fire and/or explosion will be taken care of by the Land Rover insurance policy.

Theft

If your Land Rover gets stolen, the comprehensive car insurance plan will cover your losses by offering adequate financial compensation in regard to the vehicle’s IDV.

Calamities

Damages or losses caused by events of natural disasters or man-made hazards, like floods, landslides, riots, strikes, etc., will be covered under the Land Rover insurance policy.

Personal Accident Cover

If the owner-driver meets with an accident that leads to injuries, disability or death, the policy will offer financial compensation of up to INR 15 lakhs under the PA cover.

Third Party Liability

The Land Rover insurance covers third-party legal liabilities arising out of accidents caused by the insured four-wheeler.

In-transit damage

In the event your Land Rover car gets damaged during transportation by rail, road, inland waterway or lift, the policy will cover the said damages.

Following is a list of things that the Land Rover insurance doesn’t offer coverage for;

Depreciation

While the emotional value of your Land Rover will keep on growing, its market value will keep on declining with time and usage. Such depreciation in your car’s value and general wear and tear are excluded from the policy coverage.

Electrical & Mechanical Breakdown

he Land Rover insurance will not cover the costs of repairs arising due to mechanical or electrical breakdowns of your car.

Illegal Driving

If the damage or loss occurs due to an individual driving the insured car while intoxicated or without a valid DL, the policy will not cover it.

Consequential losses

This refers to the losses that have not directly occurred as a result of the accident or other peril. Such losses are excluded under Land Rover insurance.

Geographical limitation

Any damage or loss that happens outside of India will remain excluded from the coverage of your Land Rover insurance.

War

If events of war, mutiny or nuclear risks are responsible for the damage/loss, the policy will not cover it.

Types of Car Insurance We Provide

We at HDFC ERGO offer the following types of Land Rover insurance;

Comprehensive car insurance>

Comprehensive car insurance is the most recommended plan on this list. It is a policy that protects against both third-party liabilities as well as own damages to the insured vehicle. Furthermore, it allows the ability to include add-ons and offers cashless repair facilities. For all-around protection, invest in comprehensive car insurance for your Land Rover.

Suitable for car lovers seeking all rounded protection, this plan covers:

Accident

Personal accident cover

Natural calamities

Third-party liability

Choice of add-ons

Theft

EXPLORE MORE

Third party car insurance >

The third party car insurance policy offers the minimum coverage that is required by the law. It covers legal liabilities that arise due to accidental third-party property damage, death or injuries caused by the insured vehicle. It is the cheapest plan on this list and doesn’t offer any own damage protection.

Suitable for those who use the car infrequently, this plan covers:

Personal accident cover

Third-party property damage

Injury to a third-party person

EXPLORE MORE GET A FREE QUOTE NOW!

Standalone own damage cover >

The standalone own damage cover is the opposite of third-party car insurance. It only covers the damages that the insured four-wheeler suffers due to perils like theft, fire, explosion, natural calamities, etc. It doesn't include any third-party liability protection. If you already have a third-party plan for your Land Rover, you can add this plan on top of it to get own damage protection.

Suitable for those who already have a valid third party cover, this plan covers:

Accident

Natural Calamities

Fire

Choice of add-ons

Theft

EXPLORE MORE GET A FREE QUOTE NOW!

Cover for brand new car >

Individuals buying a brand new Land Rover can opt for this plan. It is a long-term cover that features 1 year of own damage cover and 3 years of third-party cover.

Suitable for those who have purchased a brand new car, this plan covers:

Accident

Natural Calamities

Personal accident

Third-party liability

Choice of add-ons

Theft

EXPLORE MORE GET A FREE QUOTE NOW!

How to Make a Claim for Your Land Rover Car Insurance Policy?

With HDFC ERGO, you can make insurance claims for your Land Rover in just a few clicks. Here’s what you need to follow;

Step 1
Intimate the claim via our official WhatsApp number or by calling our toll-free number. After the claim is registered, you will be given further instructions.
Step 2
Following claim registration, a thorough survey of your car and its damages will be performed by one of our surveyors. You will be given a link to a portal where you need to upload the required documents as part of the claim procedure.
Step 3
The damages to your car will then be repaired at any of our cashless garages. You can also choose to get your car repaired at a garage of your choice if you are looking for a reimbursement claim.
Step 4
Following claim authorisation, it will be settled directly with the vehicle owner for reimbursement claims or the network garage in case of cashless claims.

Road mishaps in India led to the death of 1,68,491 people. Buy Comprehensive Car Insurance to get coverage for any accidental damages.

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Frequently Asked Questions on Land Rover Car Insurance

1. Is a Land Rover expensive to insure?

To insure expensive cars like the Land Rover against own damages, you have to pay a premium price. This is due to their high market value, expensive repair costs and high probability of getting stolen. However, compared to the coverage the policy offers, the price is more than reasonable.

2. Are there any discounts available on the Range Rover insurance price?

Besides No Claim Bonus (NCB) benefits, discounts on Land Rover Range Rover insurance prices are subject to the insurer itself. Some insurers may offer discounts while others may not. Check before buying the policy for a better deal.

3. Can I buy insurance for a Land Rover online?

Yes. You can buy Land Rover insurance online in under a few minutes, and that too by clicking only a few buttons. You can utilise the website or app of your preferred insurer to buy car insurance for a Land Rover online.

4. What affects the premium of Land Rover car insurance?

Various factors affect the Land Rover car insurance premium price, such as the specific model & variant, age of the vehicle, choice of policy picked, selected add-ons, choice of IDV of the vehicle, location, etc.

5. What are the types of insurance available for a Land Rover?

For your Land Rover car, three main types of insurance policies are available in India. This includes third-party insurance, the standalone own damage cover and the comprehensive car insurance. A third-party plan is the most basic, while the comprehensive one offers the most elaborate protection.