Land Rover Car Insurance

Global car manufacturer Jaguar Land Rover, India’s Tata Motors’s subsidiary, has been producing Land Rovers since 2008. This British brand mainly comprises four-wheel drive and off-road capable vehicles. 

The company gained popularity worldwide and ended up selling around 431,161 units in 2016-2017.

In India, one can choose from the following Land Rover models:

• The New Range Rover
• Range Rover Sport
• Range Rover Velar
• Discovery
• Defender
• Range Rover Evoque
• Discovery Sport 

If you drive any one of the aforementioned models, you should know everything about Land Rover car insurance.

Like any other vehicle, your Land Rover can incur damages during an accident resulting in heavy damages. Repairing these damages can cost you a fortune. In such a scenario, insurance for Land Rover cars can protect you from financial losses and boost your savings.

Further, the Motor Vehicles Act 1988 mandates the possession of at least a basic third-party insurance plan. Without this, you are liable to pay penalties that, in turn, increase your financial burden. Thus, car insurance for Land Rovers not only reduces financial liability but also helps in curtailing legal liabilities.

To choose the best Land Rover car insurance plan, you must consider comparing several plans from different insurers online. This will make it possible for you to make an informed decision and obtain maximum benefits. For instance, by comparing insurance plans, you can settle for a policy that offers a lower Land Rover car insurance price.

In this regard, you can consider insurers like Digit and obtain Land Rover car insurance online in a hassle-free manner.

Following are the Add-ons for Land Rover Car Insurance:

• Zero Depreciation Cover
• Return to Invoice Cover
• Tyre Protect Cover
• Breakdown Assistance
• Consumable Cover
• Engine and Gear-box Protection Cover
• Daily Conveyance Benefit
• Key and Lock Protect
• Loss of Personal belongings
• Pay as you drive Cover
• EV Shield Add-on Cover

The bold and beastly SUVs are the charm of everyone’s heart. If given a chance to buy a powerful SUV against a sedan, most of you would choose the former over the latter. Of lately in India, the buying choice for cars has shifted from sedan types to the SUVs. And so cars from Land Rover gained quick popularity in India. This British brand is a pioneer in manufacturing four-wheel-drive cars. In May 2011, the brand officially made its debut in India with Freelander 2. The brand gives you the assurance of quality make and engineering since it is produced by Jaguar. In India, Tata Motors owns the company. 

In total, you get 6 car models in India. All the car models have variants in both petrol and diesel fuel type. The price of Land Rover's most inexpensive car model, Discovery Sport, starts at Rs.44.68 lakhs. While up the line, the price for the top model Land Rover Range Rover is Rs.4.05 crores. 

For Land Rover, the makers have taken luxury, performance, and capability of the cars to a new level altogether. The cars from this brand are expensive and hence buying its car insurance policy becomes essential. Also, car insurance has been made mandatory by the Government. As per the Motor Vehicles Act, you need to carry car insurance while driving.

Why Should You Buy a Land Rover Car?

Here are the reasons to buy Land Rover:

• Ease of Maintenance and Simplicity: The cars from Land Rover are easy to maintain. The design is elegant, minimalistic and boxy, exactly how an ideal SUV should be.
  
• Offers Adventure with Ease: The bodies of Land Rover are quite robust and strong. You can just drive anywhere be it uphill or in the desert. These beasts run smoothly on any surface and in any condition.
  
• Safety Features: Land Rover cars come equipped with adaptive cruise control, blind-spot monitoring, autonomous emergency braking, lane keep assist, antilock disc brakes, front side and side curtain airbags, and a rear-view camera.
  
• Powered by Intuitive Vehicle Systems: The intuitive program enables the cars from Land Rover to read road conditions and driver's response. All models come with Terrain Response System and Dynamic Mode for the sportier driving experience. 
  
• Technologically Boosted: Land Rover cars come with InControl Apps Suite that lets you integrate your smartphone apps into an intuitive, easy-to-use touchscreen interface. You can also use the navigation feature, Wi-Fi Connectivity, a stolen vehicle locator and InControl Remote. The InControl Remote helps you to protect and monitor your Land Rover remotely with the help of your smartphone.
  

You must buy Land Rover Car Insurance as it:

• Saves You from Own Damage Expenses: Car Insurance Policy will pay you when your car needs repair due to some loss/damage. Such losses may arise due to fire, theft, accident, and natural calamities. Keep in mind that if the car is a Land Rover, then you may suffer from huge bills in the absence of an insurance policy.
  
• Pays off Your Third-Party Legal Liability: When you hurt someone or damage a third person’s property, then you are liable to pay for such losses. The amount of the third-party claim may be huge sometimes. Your Car Insurance will pay for such losses.
  
• Improves the Scope of Basic Car Insurance with Add-ons: Enhance the scope of coverage under Car Insurance by buying add-on covers. These covers come with an additional premium payment. They will help you protect your Land Rover for losses that are generally not covered under the basic comprehensive policy.
  
• Fulfils Legal Compliance: As per the Motor Vehicles Act, you must have a Car Insurance. You are not allowed to drive a car without a car insurance policy. But if you do so, you will be charged with a fine of Rs.2000/- and/or three months of imprisonment.
  

Factors that Affect the Land Rover Car Insurance Premium

Some factors that affect the Land Rover Car Insurance Premium includes:

• Value of the Car: The declared value of the Land Rover affects the car insurance premium. Higher the IDV (Insured Declared Value), the more will be the premium.
  
• The Capacity of Engine: Higher the Engine Cubic Capacity, more will be the Third-Party Premium. TP premium is a component under comprehensive package policy. If this rises, the overall premium will rise.
  
• Place of Registration: Bigger cities will attract more insurance premiums. In metropolitan cities, the number of vehicles is higher which indicates a higher probability of accidents. 
  
• Higher Voluntary Deductible: If you choose higher voluntary deductible/excess, it will reduce the car insurance premium. But you will have to pay your share in case of a claim.
  
• Age of the Car: IDV of your car decreases with passing time as the depreciation applicable on it increases. So the insurance premium may decrease with time.
  
• Insurance Policy Type: For a Comprehensive Package Policy, the premium will be more in comparison to that of a standalone Third-Party Liability. Package Policy has three components that include Own Damage and Third-Party Liability.
  
• Add-On Covers: Buying add-on covers will increase your car insurance premium.
  
• Security Devices Installed: If you get extra security devices installed like theft alarm, then you may get a discount on car insurance premium.
  
• No Claim Bonus: You get a discount on the own damage component of the car insurance premium for a claim-free year. This discount increases from 20% to 50% with each consecutive claim-free year.
  

You should choose Digit Insurance for the reasons mentioned below.

• Everything is Online: May it be the process of buying insurance or filing a claim, everything is online and smartphone-enabled. Overall, you can buy policies in just a few seconds and the claims are processed within minutes.
  
• Type of Insurance Policy: Digit Insurance offers two types of Car Insurance Policies. One is the stand-alone Third Party policy that takes care of your third-party liabilities. And the other is the comprehensive policy that covers your own damage expenses along with the third-party claims.
  
• Offers Add-On Covers: Add-on covers like Tyre Protect Cover, Zero Depreciation Cover, Breakdown Assistance, Engine and Gearbox Protection, Consumable Cover, etc are available. For Land Rover, you can buy Zero Depreciation cover to get the depreciation value ignored at the time of claim. Other than this, you can buy Return-to-Invoice cover. It will help you recover the cost of your Land Rover if you face a total loss due to accident or theft. As these cars are expensive, the RTI add-on is recommended.
  
• Option to Customize the IDV: Digit Insurance allows you to choose an IDV for your car. You can choose a high IDV if you want better coverage for the Land Rover.
  
• Large Network of Garages: A car insurance from Digit comes with a wide network of garages. It offers you a quick and cashless repair.
  
• Fast Claim Settlement: The claim process is very easy. It is based on self-inspection and your claim will be resolved in minutes.
  

Looking to reduce the premium paid towards your Land Rover’s insurance? 

Following are a few ways to do so! 

• Choose a Higher Deductible: With your Land Rover insurance, you will be required to pay a compulsory deductible as per IRADAI directives. Alongside this, you can choose to pay voluntary deductibles during a claim, by virtue of which you can reduce the premium paid towards the policy. 

• Avoid Making Small Claims: If you make claims for small damages, you miss your NCB and consequently do not enjoy any discounts on your premium. Therefore, if your car’s repair is not costing you much, it is better to avoid making claims. 

• Compare Premiums: Make sure you conduct proper research and choose the most affordable policy in the market. In this respect, Digit’s Land Rover insurance policy (starting at Rs.2702) is cost-effective and offers maximum benefits.  

These are, thus, a few ways through which you can lower the premium for your Land Rover insurance purchase or renewal. 

However, make sure you do not compromise on your policy benefits while seeking lower premiums payable! 

Happy driving!