Insurance

How much do you value your Land Rover?  100%?  

Land Rover Insurance offers superior annual cover, specially designed for Land Rover drivers.  The only thing that’s ordinary is the price.
Research shows that following an accident drivers believe their car will be repaired back to its pre-accident condition with all safety features reinstated. In reality that doesn’t always happen.

But uniquely with Land Rover Insurance – it is guaranteed.

In the unfortunate event of an accident, Land Rover Insurance guarantees to:

- Only authorise the fitting of Land Rover genuine parts and panels
- Only direct your repair to a Land Rover approved bodyshop
- Only use Land Rover approved technicians who adhere to Land Rover technical standards
- Provide a repair that maintains the European NCAP safety rating of your Land Rover
- Provide a five year guarantee on your Land Rover’s bodyshop repair

We’ll keep your Land Rover 100% Land Rover…Always, helping to protect its residual value, resale appeal and original driving pleasure.

Superior cover as standard

- Free courtesy car regardless of fault
- EU comprehensive cover
- A brand new Land Rover if yours is written off or stolen with 12 months of new registration date
- £50,000 personal accident cover for driver and spouse
- Vandalism cover and free windscreen repair with no loss of your No-Claim Discount

- Cover for lost key, wrong fuel, child seat and in-car personal belongings
- Cover for factory fitted satellite navigation equipment, stereo and fixed car phones
- Medical treatment up to £500
- Theft cover – if your car is stolen from a locked garage, we’ll pay the claim without deducting any excess
- Third party insurance for driving other vehicles

Get a quote today

Click here for an online quote

Or call us on 0800 917 0740

Click here to download a brochure

Help when you need it most 
Need to make a claim? One call to our dedicated 24 hour claims line 0844 2490038 and we’ll take care of everything, so you don’t have to worry. What's more, we’ll arrange any necessary accident repairs through your Land Rover approved bodyshop with a minimum of inconvenience and return your Land Rover to its pre-accident condition.

Contact us 
Quotes and Renewals             0800 917 0740
Claims & Accident Helpline    0844 249 0038
Customer Services                   0844 249 0039
 
Land Rover Insurance is promoted and provided through FGA Capital UK Limited, it is administered by Lloyd Latchford Schemes Limited (No. 5988054) at 3 Redman Court, Bell Street, Princes Risborough, Bucks, HP27 0AA. Land Rover Insurance is arranged by Original Insurance Services Limited; a company registered in England and Wales (No. 05686831) at Batchworth House, Church Street, Rickmansworth, Hertfordshire, WD3 1JE. The policy is underwritten by Brit Insurance Limited. All companies are authorised and regulated by the Financial Services Authority. Conditions apply. Applicants must be aged at least 21 years and under 75 years.

The following will apply if you select Standard or Premier Cover:

- If you are off work through accident/sickness for at least 14 consecutive days we will pay a monthly payment, up to a maximum of £1,500.  We will continue to pay a monthly payment for each further full month of absence during which you are still unable to work through accident or sickness
- Subject to the terms and conditions of the policy, we will continue to make these payments until your loan is repaid or until you return to work (whichever occurs first) 
- The maximum monthly benefit amount will be the lower of your monthly repayment or £1,500 per month.


The following will only apply to you if you select Premier cover:

- If you are involuntarily unemployed (business failure if self employed) for at least 30 consecutive days, we will pay a monthly payment, up to a maximum of £1,500. 
- We will continue to pay a monthly payment for each further full month on involuntary unemployment.  We will continue to make these payments for up to a maximum of 12 months in respect of any one claim or 24 monthly payments in total under the policy. 
- The maximum monthly benefit amount will be the lower of your monthly repayment or £1,500 per month.


The following will only apply to you if you select Premier cover:

- If you are self-employed you will be entitled to claim for unemployment benefit if you have involuntarily ceased trading and have declared this to HM Revenue & Customs.


How long does my Payment Protection Plan Insurance run for?

The policy will continue for the term of your finance agreement and will terminate when that agreement ends, when you cancel the policy. When you retire from paid work, the benefits in Premier will be automatically transferred in to Hospitalisation and Funeral Expenses cover.  Standard will automatically be transferred to Hospitalisation.

What happens if I am over 65, have retired or will become so during the length of the policy?

When you retire from paid work, the cover under Accident & Sickness along with Unemployment cover will no longer be available to you as there is no longer any income being generated by you for paid work to protect. Your benefits will change for the remaining balance of the policy cover duration until the End date of this policy where should you be admitted in to hospital in the UK for any reason other than cosmetic surgical procedures for a period greater than 5 consecutive 24 hour periods.

Hospitalisation Benefit–A daily payment of £50 for each subsequent 24 hour period that you are continuously hospitalised until you cease to be hospitalised or we have made 20 daily payments in any one event of hospitalisation or in total under the policy.

Funeral Expenses Benefit – If you die after the starting date and before the end date of the Policy, a lump sum of £1,000 will be paid to the Executor of Your Estate to help with funeral expenses.  There are no exclusions applicable to this.


Who are the insurers?

The insurers of this policy are London General Insurance Company Limited and London General Life Company Limited provides the Accident / Sickness benefit, Unemployment benefit, Hospitalisation benefit.  London General Life Company Limited provide the Funeral Expenses benefit:

London General Insurance Company Limited, registered number 1865673, and London General Life Company Limited, registered number 2443666, whose registered office is at Integra House, Floor 2, Vicarage Road, Egham, Surrey TW20 9JZ

London General Insurance Company Limited and London General Life Company Limited are both authorised and regulated by the Financial Services Authority.

LAND ROVER INSURANCE FINANCE GAP

- Covers the difference between the amount your motor insurance company will pay and what you actually owe under your Finance agreement.
- Pays out up to a maximum of your outstanding finance balance or up to £15,000 whichever is the lesser value. (Cover available is dependant of the purchase price of your vehicle).
- For a one-off payment, be protected for the term of your finance agreement, up to a maximum of five years.

LAND ROVER INSURANCE INVOICE GAP

- Covers the either difference between the amount your motor insurance company will pay and the original invoice value or the amount you actually owe under your Finance agreement, whichever is the greater amount.
- Your insurance company will offer you the market value at the time of your claim and this might be less than the amount you paid, especially if you have had your car for a while.
- Invoice GAP could either pay out up to a maximum of the invoiced value of the vehicle, or the amount you owe on your finance agreement, whichever is the greater, or the maximum benefit of £20,000. (Cover available is dependant of the purchase price of your vehicle).
- For a one-off payment get the very best peace of mind protection for up to a maximum of three years.

What is SMART?
SMART stands for Small Motor Accident Repair Technology and is a policy designed to assist in maintaining the appearance of your vehicle as at the time of purchase.

Key Features and Benefits
The SMART Insurance policy from Land Rover provides a small body repair system that will keep your vehicle in showroom condition, without compromising your no claims bonus.
The policy helps ensure your vehicle remains free from chips, minor dents, light scratches and scuffs.

With a SMART Insurance policy from Land Rover, your vehicle is covered for damage caused by everyday motoring. You can claim up to £3,000 in aggregate (including VAT). The total cost of repairs cannot exceed the above amount as this is not considered to be ‘minor damage’. There is no excess payable.

BENEFIT THE SMART INSURANCE WAY:
• Choice of 12, 24 or 36 months cover
• Keep your vehicle in showroom condition
• Safeguard your no-claims bonus
• Convenient repairs
• 3 year guarantee on all policy repairs
• Friendly and convenient claims centre

THE SMART INSURANCE POLICY COVERS:
• Private vehicles up to 36 months
• Up to £3,000 cover, in aggregate, during the period of insurance against:
– dents not exceeding 15cm in diameter
– scratches not exceeding 15cm in length
– chips not exceeding 1.5cm in diameter
– scuffed bumpers

Alloy Wheel Insurance

What is Alloy Wheel Insurance?
In today’s driving conditions minor cosmetic damage to alloy wheels is almost a certainty. Alloy Wheel Insurance covers the cost of cosmetic repairs resulting from accidental damage to alloy wheels caused by kerbing, scuffing, chips and scratches.

Key Features and Benefits
• Covers you for the cost of repairs from accidental damage to your alloy wheels.
• We will pay for a specialist repairer to carry out repairs to their best endeavours
• Maximum claim per wheel is £100 for up to 5 wheels
• Up to £1,000 in aggregate during the period of insurance
• No policy excess is payable.

Land Rover SMART Insurance helping to protect the showroom condition of your new car

Download the SMART brochure.