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  • Land Rover Monthly

    ASK THE UNDERWRITER

    Jul 22, 2020 4 minutes

    LAND Rover owners can find insurance a bit of a minefield – especially if you’re set up for off-road driving. Here Andy McDonald, Heritage’s in-house underwriter, answers your important questions.

     Do more modifications mean more premium? This is a common misconception, but with our modified 4x4 scheme that’s very rarely the case. Engine swaps that increase engine capacity can attract an increase, but beyond that our scheme doesn’t load for many mods at all.

    Declaring all your modifications is more beneficial. On a modified scheme, there’s usually a minimum modification level to qualify and a very lightly modified LR could end up on a more standard scheme. As far as modified 4x4 insurers go, the more

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