With Land Rover it is not the driving but the standing still that determines acceptance: insurers set security requirements on these models more often than on any other make.
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In brief
Land Rover and Range Rover are among the vehicles for which insurers include an additional security requirement in the policy. That can be an approved alarm system, a vehicle tracking system with a current subscription, or both. Such a requirement is not a recommendation but a condition of cover: if it has not been met at the time of a theft, the insurer does not have to pay.
The second point is repair. Air suspension, aluminium body parts, off-road electronics and the associated sensors make repairing these cars expensive, even where the damage looks limited. That feeds through into the own-damage premium and into the question of how long comprehensive cover remains justifiable as the market value falls.
If you drive a Range Rover, see also the Range Rover page, where the acceptance requirements for that range are described separately.
The structure of the cover in three parts, with an overview per situation below.
Compulsory
Third-party liability
Damage you cause to others.
Required by law
As long as the registration is in your name
Suspend the registration when not in use
Third-party liability plus
Third-party, fire and theft
Causes beyond your control.
Fire and storm
Theft
Windscreen damage
Comprehensive cover
Comprehensive
Including damage you cause yourself.
Own fault
Vandalism
Replacement-as-new period
What is covered
Situation
Third-party liability
Third-party, fire and theft
Comprehensive
Damage to the other party
Yes
Yes
Yes
Theft
No
Yes
Yes
Fire and storm
No
Yes
Yes
Damage you cause yourself
No
No
Yes
Wear and mechanical defects
No
No
No
Driving without a valid licence
No
No
No
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
Security as a condition of cover
If your policy schedule states a security class or a vehicle tracking system, that is a warranty clause. Keep the installation certificate and check every year whether the tracking system subscription is still running: a subscription that has expired at the time of a theft is one of the most common reasons for refusal. Also report it when you move the car to a place of storage other than the address declared.
Air suspension and aluminium
An air spring that starts to leak after some years is a mechanical defect and therefore falls outside every own-damage cover, including comprehensive. If the suspension system is damaged in a collision, that consequential damage is covered. Aluminium body parts are replaced rather than beaten out and call for a workshop with the right certification; have it recorded in advance whether you keep free choice of repairer.
Where the car is kept at night
On these models the place of storage is an important factor in acceptance and not merely an administrative detail. If you move, or regularly park on the street while a locked garage was declared at the outset, report it. A change in the risk that has not been reported can be used by the insurer under Article 7:930 of the Dutch Civil Code to reduce or refuse the payout.
Break-ins and theft of parts
Alongside theft of the whole vehicle, targeted theft of parts occurs: headlight units, the steering wheel with airbag and infotainment modules. Damage from forced entry to doors and bodywork falls under third-party, fire and theft, but insurers do require demonstrable signs of forced entry and a police report. If those marks are missing, further investigation practically always follows. Loose belongings left in the car are rarely insured, or only up to a limited amount.
What does your premium depend on?
List price and trim level — The price bracket of the model determines both the cost of claims and the amount at stake in a theft.
Weight of the vehicle — Because of their mass these models fall into a higher weight class than an equivalent passenger car.
Security class and tracker — The presence, class and an active subscription determine whether the car is accepted at all.
Storage address and postcode — Where the car is kept at night and whether that is a locked space.
Age and no-claims years — The driving experience and claims history of the main driver count towards the premium and acceptance.
Cover and excess — The choice between third-party, fire and theft and comprehensive plus the excess, which on theft-prone models is often higher.
Insurers weigh these details differently. That is why comparing pays off.
How we arrange it
You request a quoteWe take stock of your situation, your risk and your wishes.
We compareseveral insurers, on premium as well as conditions.
You receive a proposalWith an explanation of the differences and the exclusions.
We arrange the switchIncluding cancellation, so there is no gap in cover.
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Because these models are stolen more often than average and a tracking system increases the chance of recovery. The requirement appears as a condition on your policy schedule. If the system is not fitted, or the subscription is no longer running at the time of the theft, the insurer can refuse to pay, even where you have always paid the premium punctually.
Is a leaking air spring covered?
No. Wear to the suspension system is a mechanical defect and falls outside every own-damage cover, including comprehensive. If the air suspension is damaged because you hit something or because someone else hits you, that is covered as consequential damage. The distinction lies in the cause: from within or from outside.
What if my tracking system subscription has expired?
You then do not meet the security requirement in the policy at that moment. Insurers check this with the system provider as a matter of course after a theft is reported. So put the renewal date in your diary and keep the confirmation with your policy papers. If you change provider, report that to your insurer in writing.
Will I be paid the market value in the event of theft?
That depends on the age of the car and the arrangement in your policy. Within a running replacement value as new or purchase price period, that arrangement applies; after that the market value is established by an assessor. There is always a waiting period of a few weeks in which the car may still be recovered before payment is made.
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
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