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Why high-value Range Rovers need extra protection
Range Rovers are some of the most desirable vehicles on the road, but that also makes them among the most expensive to insure and repair.
It can also make it difficult to source appropriate GAP Insurance cover, should you want to protect your investment against financial loss, should the vehicle be written off or stolen.
Theft and insurance availability
Over recent years, some UK insurers have temporarily refused to cover certain Range Rover models due to theft rates. JLR has since invested heavily in police partnerships and updated keyless entry systems, dramatically reducing thefts. In fact, after the latest upgrades, only 11 thefts were recorded among 12,800 new-shape Range Rovers in two years.
Even so, premiums remain high and many owners still find limited insurance options, especially in urban areas.
Rising write-offs
Repair costs have climbed sharply in recent years. Around two-thirds of damaged cars are now written off, driven by rising parts prices and labour times. For high-end SUVs with complex electronics, insurers often find it uneconomical to repair.
Depreciation
Luxury cars come with high price tags. This means depreciation can hit hard. Many new vehicles lose 20–25% in the first year and around 45–50% after three years. .png "Range Rover GAP Insurance from Total Loss GAP")
However, some Land Rover and Range Rover models can show remarkable resilience to depreciation. A recent AutoExpress report showed four Land Rover models in the twenty slowest depreciating vehicles in the UK, all holding more than 60% of their value after three years.
However, even when the Land Rover Range Rover 5dr SUV 3.0D MHEV holding 61.19% of its original value after 3 years, that still represents just over a £50,000 drop in value.
On a £140,000 Range Rover, that can mean a £60,000–£70,000 drop in value, and a sizeable financial shortfall if it's written off.
Cover for Range Rovers up to £100,000
For most Land Rover and Range Rover drivers, our standard panel of GAP insurers provides excellent protection. These policies cover vehicles up to £100,000 and include options such as Return-to-Invoice, Vehicle Replacement and Finance GAP, depending on how the car was purchased.
But for vehicles priced over £100,000, many providers won't quote, particularly for JLR (Jaguar Land Rover) vehicles. That's where our Hiscox-underwritten' high-value' policy steps in.
The Total Loss GAP high-value GAP Insurance option (£100k–£150k)
Our specialist policy is designed specifically for vehicles priced between £100,000 and £150,000, underwritten by Hiscox Insurance Company Limited, an 'A’-rated UK insurer authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.
Hiscox has a reputation for financial strength, publishing regular solvency reports and maintaining a strong capital position. They're well-known for insuring high-value vehicles, classic cars and luxury homes, so it's a natural fit for Range Rover owners who want peace of mind.
What our GAP Insurance policy covers
| Feature | Cover details |
|---|---|
| Cover type | Combined Return to Invoice and Finance Shortfall GAP, whichever gives the higher payout |
| Maximum claim payout | £50,000 |
| Eligible vehicle price | Up to £150,000 |
| Policy term | 3 or 4 years (36 or 48 months) |
| Total-loss excess contribution | Up to £500 |
| Temporary replacement vehicle | Up to £40 per day, for up to 30 days |
| Additional excess cover (non-total-loss claims) | £300 per policy year / £1,000 total over 48 months |
| Driving abroad | UK, Channel Islands, Isle of Man and EEA (including Ireland and Switzerland) while your motor insurance is valid there |
| Purchase window | Within 90 days of taking delivery |
| Vehicle age limit | Under 10 years old |
Example: Range Rover Autobiography at £135,000
To show how the cover works in practice, let’s take a £135,000 Range Rover Autobiography financed over four years.
| Amount (£) | |
|---|---|
| Purchase price | £135,000 |
| Motor insurer total-loss settlement | £90,000 |
| Finance settlement | £110,000 |
| GAP claim | £45,000 (maximum £50,000) |
Here's what happens:
- The motor insurer pays £90,000 (its market value assessment).
- £20,000 of the GAP payment clears the remaining finance balance (£110,000).
- The remaining £25,000 is then paid to the policyholder, bringing the total received up to the original invoice price of £135,000.
The Hiscox policy bridges the full £45,000 shortfall, combining finance and invoice protection into one claim, up to the £50,000 cap. It leaves the policyholder in roughly the same position they were in before the total loss, often with enough left over to use as a deposit on their next vehicle.
Other key benefits
- Temporary replacement vehicle cover for up to 30 days (up to £40 per day).
- Excess contribution of up to £500 if your main insurer doesn't reimburse it.
- Additional excess cover for other claims during the policy term (up to £300 per year).
- Policies can be transferred to a family member or to a replacement vehicle only if your motor insurer replaces it under a new-for-old claim.
What isn't covered
Every GAP policy has limits, but they matter most with expensive vehicles. The Hiscox policy won't pay:
- Any gap above £50,000, that's the total claim cap.
- Negative equity, arrears, or finance carried over from a previous vehicle.
- Discounts, delivery charges, registration fees, fuel, protection kits, cherished plates or insurance/warranty costs.
- Vehicles used for hire and reward, courier work, or driving tuition.
- Claims where your motor insurer is willing to repair, but you insist on a write-off.
- Cases where your motor insurer provides a replacement vehicle instead of paying a cash settlement.
Real-world value for high-end JLR models
If you're financing a £145,000 Range Rover Sport SV or an Autobiography Edition One, the potential shortfall after two or three years can easily reach £40,000 to £50,000. That's far beyond the limit of most GAP policies.
The Hiscox policy closes that gap and adds the reassurance of A-rated financial backing, a key advantage when policies run for several years and claims can arise long after purchase.
Why A-rated matters
"A-rated" refers to the external financial strength ratings given by agencies. Hiscox holds an 'A' (Excellent) rating from A.M. Best and a further 'A' rating from Standard & Poor's, signalling a proven ability to meet long-term claims obligations.
With the Total Loss GAP option, underwritten by Hiscox, you're not only protected against depreciation but also backed by a company known for dependable claim performance and transparent financial reporting.
See Why secure, 'A' rated insurer-backed GAP Insurance is the best way to go.
Getting a quote
You can get an instant quote online for vehicles up to £100,000 from our main insurer panel. If your Range Rover's invoice price is between £100,000 and £150,000, our system will automatically show the Hiscox higher-value option.
All we need are:
- your vehicle's purchase price,
- the finance or payment method (cash, PCP, HP or lease), and
- the delivery date.
Final thoughts
A new Range Rover isn't just a mode of transport; it's a significant investment. If it's written off or stolen, a GAP policy can make the difference between clearing your finance and having the funds to replace it properly.
For vehicles priced over £100,000, our Hiscox-underwritten GAP Insurance is designed specifically for the job, offering up to £50,000 in cover from an A-rated UK insurer.
Check your eligibility today and see how easily you can protect your Range Rover or Land Rover from the unexpected.
Please note, the GAP Insurance offered by Total Loss GAP is not the officially endorsed GAP Insurance product promoted at Land Rover Dealers. Total Loss GAP is not associated with any manufacturer and only provides products directly to the public, not through dealers.