Currently reading: JLR introduces Land Rover Insurance to tackle coverage woes
Insurance scheme comes as part of £10m security investment; 4000 customers given premiums of "less than £200"

JLR (formerly Jaguar Land Rover) has created its own insurance policy after an Autocar investigation revealed the inability of some London-based owners to insure its cars amid high theft rates of certain models. 

Under the Land Rover Insurance banner, policies require no deposits nor interest charges. Cars will be repaired by an authorised JLR workshop.

The firm is said to have provided "an average monthly premium of less than £200" for around 4000 drivers since October.

It is available to any customers who drive any model of Range Rover, as well as the Land Rover Defender and Discovery. Jaguar customers are able to get insured via the Jaguar Insurance arm.

Managing director of JLR UK, Patrick McGillycuddy, said: "The desirability of our luxury vehicles, coupled with concerns around thefts, has recently led to challenges in obtaining insurance cover for some clients. We are fully committed to doing everything we can to address this by adopting a multifaceted approach: from our significant investment in vehicle security, to now providing our own insurance.

“While our new insurance proposition is a key milestone, we want to reassure clients that we will continue monitoring and refining our service so that even more clients can take advantage of it.”

This follows a recent Autocar investigation that insurers were refusing to cover Range Rover drivers in London, mainly due to their high theft rate.

JLR was forced to halt its own insurance offering last year after partner Verex said it would no longer extend coverage.

According to the DVLA, Range Rover models were the second most stolen cars in the UK last year, with more than 5200 (both new and used) taken.

In response, JLR claims just nine new Range Rovers have been stolen of the 12,200 sold, and 13 Range Rover Sports stolen of the 13,400 sold. 

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Range Rover thefts in big cities "a problem"

The insurance scheme comes after JLR CEO Adrian Mardell told company investors in March that “theft of our vehicles in large cities has become a problem", singling out London and Manchester as the two worst-affected locations.

Mardell said that “mostly old-architecture” (meaning previous-generation) cars were at risk of theft, and it's these that will benefit from the company’s investment in improved security.

This year, JLR says it has upgraded the security of more than 65,000 cars built between 2018 and 2022, including those out of warranty, to ensure “the same levels of protection as current models”.

JLR said that although it had upgraded a large number of cars, “a sizeable amount are still outstanding; we're still working hard to reach clients who haven't yet taken up their updates”. 

Thefts were being conducted by thieves hacking the keyless entry system and driving away without a key, but an update to the car’s body control module (BCM) makes this no longer possible.

This technology means car keys don't need to be stored in a Faraday pouch, but the company still recommends owners use the JLR app to make use of vehicle lock reminders and Guardian Mode, which sends an alert if there's any “unauthorised interaction” with the car. 

Another part of JLR’s investment in improved security is ensuring log-in details of the InControl app, which allows remote access to the vehicle, are being correctly transferred to new owners. 

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On this, UK boss McGillycuddy said: “While vehicle theft in the UK is affecting the whole car industry, at JLR we understand the negative impact this can have on the ownership experience for our clients.

"Our investment of more than £10m demonstrates our ongoing commitment to tackling this issue.

“Through our long-standing collaboration with law enforcement and key partners, our expert team will continue to develop and deploy effective anti-theft measures to ensure clients are protected. It's my personal priority.”

The knock-on effect on customers was felt earlier in the year, when Dan Adler, an investment specialist from north London, told Autocar that his inbound Range Rover P440e Autobiography had pushed the cost of his multi-car premiums from £5000 to £11,000, forcing him to cancel the purchase.

The issues did not deter customers, however. The Range Rover has been JLR's second best-selling model so far this year, with 51,375 examples sold to the end of September, and the Range Rover Sport is close behind, with 41,637 sold.

The Defender was JLR’s best-seller over the period, clocking more than 81,000 sales over the same period. 

Additional reporting by Jonathan Bryce

Felix Page

Felix Page
Title: News and features editor

Felix is Autocar's news editor, responsible for leading the brand's agenda-shaping coverage across all facets of the global automotive industry - both in print and online.

He has interviewed the most powerful and widely respected people in motoring, covered the reveals and launches of today's most important cars, and broken some of the biggest automotive stories of the last few years. 

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LP in Brighton 19 December 2023

Hell, I normally pay around £200 for a year's insurance, never mind a monthly premium! But then I own a car that doesn't get crashed too often and no one bothers to steal. So much for the pleasure of owning a premium vehicle. Is it really worth it?

sabre 19 December 2023

Naturally, the insurance does not cover unreliability issues

ANGRYOWNER 25 November 2023

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Our Range Rover Sport was stolen last weekend. We had never received notification of updated security being available.  Car was always locked and keys well away from front door.   Car was locked and attached to electric charger in garage when stolen. How are you supposed to protect your car away from home in a car park say, when they can come into your private property with security gates and steal it! Police not interested, insurance company asking 20 questions, not sure what payout we will get. Surely Land Rover should take some responsibility for cars already stolen when they seem to have known about this issue for a long time

Tim Oldland 19 December 2023

So they managed to get into your property, past the 'security' gates, and into your garage before stealing the car, but it's all Land Rover's fault? Sure buddy...