ROVER 75 CLASSIC CAR INSURANCE
Rover 75 classic car insurance
When it comes to motoring heritage, Britain has one of the best in the world. And when you think of truly iconic British car marques then the name of Rover is likely to be right up there with the likes of Jaguar and Aston Martin.
The Rover automotive group produced some truly stunning cars before ceasing manufacturing in 2005. The exceptionally handsome and capable Rover 75 being the last all-new production vehicle to appear.
Over the years, the team at Lancaster Insurance Services have been fortunate enough to arrange classic car insurance for many of these highly distinctive, prestigious and exciting vehicles.
The Rover marque was used for over a century from 1904 to 2005 and is currently considered dormant. So, if you spot the iconic Viking longship logo out on the roads near you, then you’re sure to be seeing a classic.
What is classic car insurance and how does it compare to regular insurance?
Classic car insurance policies are specially designed to protect cars like your beloved Rover 75 that tend to have different characteristics and usage patterns than standard everyday cars.
For example, a classic car often won’t be the car the owner drives on a daily basis. A classic car enthusiast will tend to use their classic for a Sunday afternoon trip through the countryside or for attending a classic car club event.
They’ll use a different car for sitting in heavy traffic on the daily school run or commute into the office. Although the executive level charms of the Rover 75 would make it ideal for either!
In fact, even if you do want to use your classic Rover 75 as a daily driver then Lancaster has got you covered for this, too.
Most of our specialist schemes offer unlimited mileage for both historic and modern classic cars. So, you really won’t need to worry if you use your Rover 75 as more of a daily driver.
Lancaster definitely has the schemes and relationships with our insurers to cater to your individual requirements, leaving you with the fun part which is driving the car!
Classic car owners will also tend to notch up a relatively low annual mileage in their cherished vehicles.
In general, a classic car insurance policy will set an annual limit of anywhere between 5,000 to 10,000 miles.
With the less miles you eat up, the lower the risk to the insurance company, and potentially the lower the premium.
But that certainly doesn’t mean you have to be worried about taking your classic out for a ride and putting it through its paces.
Far from it in fact, we love hearing that these beautiful cars are out on the road being put to good use. The last thing we want is them gathering dust in a garage somewhere!
Arranging classic car insurance through a company like Lancaster means your policy will be tailored to suit your mileage needs.
Only plan on attending the occasional classic car show near to home? No problem.
Do you have your heart set on exploring the length and breadth of the super-scenic North Coast 500 this year? Well, we can cover you for that, too.
Looking for inspiration for your next road trip? Then look no further than these five of the best scenic UK road trips our team can heartily recommend.
Classic cars are also more likely to be well taken care of by their owners and may even be safely stored away from the road – for example, on a drive or in a locked garage. Anyone who’s been involved in the world of classic cars will know the excitement and enthusiasm that only they can bring.
So, it’s easy to see why these cars are always so well looked after by owners and subject to relatively little wear and tear.
Owners of classic cars often see themselves as cherishing these machines for future generations to enjoy regardless of whether they are old or young.
Meaning they’ll usually take far greater care of their cars and the way they drive them.
Insurers love the passion and care you show for these vehicles and believe this should be reflected in the price you pay for your annual insurance policy.
But it’s not just lower premiums you could benefit from. Classic car insurance also brings other benefits, too. At Lancaster, these are some of the benefits we can include in our insurance packages:
Limited Mileage Discounts
Not everyone has the time or the inclination to rack up many thousands of miles every year in their classic.
If the annual mileage in your Rover 75 is more modest, an insurance provider may be able to reflect this with a discount on your annual insurance cover.
Agreed Valuation
The market for modern classics like the Rover 75 can fluctuate, making the process of finding an accurate valuation figure for insurance purposes quite difficult.
So how can a classic car owner guard against the risk of finding themselves with a quote for insurance that doesn’t match the value of their car? The answer is Lancaster’s Agreed Valuation.
Agreed upon by both you and us, if the worst happens and your Rover 75 is written off or stole, you'll be reimbursed by your insurance provider the exact amount agreed minus and applicable excesses.
Discounts for owners’ club members
If you love your Rover 75 classic car then you should really join the owners’ club for your particular marque or model.
There’s no better way to get to know people who share your interest in these brilliant cars.
As well as the fun and camaraderie, a major advantage is that many owners’ clubs have relationships with specific insurance providers that give members discounts on their annual insurance policy.
If you’re a Rover 75 owner, then check out the friendly Rover 75 & MG ZT Owners Club. Club forums can be a great place to get some informal car insurance advice from enthusiastic owners.
That said, when you're looking to compare car insurance, it's always worth considering all your options, including speaking to the experienced team at Lancaster.
EU cover up to 90 days
Showing off the very best of British auto manufacturing is a great excuse for a road trip. But if you want to spread the Rover 75 word beyond our shores and over to the continent then look no further than Lancaster’s classic Rover car insurance.
Our insurance policies can provide free EU cover for up to 90 days. So, plenty of time to convince our European motoring brethren of the Rover 75’s unique charms. Speak to our team of insurance specialists to find out more.
Why Choose Lancaster Classic Car Insurance?
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Classic Car That’s Hard to Insure?
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Classic Car MoT Exemptions
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Classic Car Insurance Discounts and Benefits:
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Car Club member discounts
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Static Show Cover
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Historic Rally Cover
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Choice of repairer
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Salvage Retention
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EU cover up to 90 days
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Agreed Valuation available for £18
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Laid Up Cover Available
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24 Hour Claims Helpline
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Limited Mileage Discounts
Why Consider Lancaster for your Car Insurance?
At Lancaster Classic Car Insurance Services, we aim to offer a competitive price based on your individual cover needs. We appreciate the importance of recognising the true value of your classic car and our team will be happy to talk to you through our benefits, such as agreed valuations and salvage retention.
We will offer you a suitable policy based on your requirements – this can include cover for:
Club Member Discounts
Lancaster Insurance Services is committed to supporting the classic car clubs.
Members of Lancaster approved car clubs may enjoy a discount of their insurance premium (the level of discount offered by each insurer differs and is subject to underwriting criteria).
Some of the classic car clubswe currently partner with include MG Owners Club, MX5 Owners Club, VW Golf MK1 Owners Club, VW T25 Club and many more.
If your club isn’t on our Classic Car Club page or wish to partner with Lancaster Insurance Services please call 01480 220065 or visit our Classic Car Club page for more details.
What else does Lancaster Offer?
At Lancaster we understand that not every situation is the same, especially when it comes to Classic Cars.
That is why in addition to our Lancaster Classic Car insurance Services, we also can arrange the below:
- Modified Classic Car Insurance
- Multi-vehicle Insurance
- Wedding Car Insurance
- Limited Mileage Insurance
- Laid Up Cover
- Two Year Agreed Valuation
If you would like to know more details regarding the above offers, please call us on please call us on 01480 484826 or click here and we will aim to call you back at the time you have requested.
We Are Classic Car Enthusiasts
Are you passionate about Classic Cars?
Here at Lancaster, we not only provide Classic Car Insurance but we’re constantly looking for ways to support the Classic Car community at events, sponsorship's, giveaways and sharing care tips for classic vehicles.
Caring For Your Classic Car
We’ve partnered with the team at Meguiar’s to showcase one of their awesome products each month.
This time we’re featuring the Meguiar’s Ultimate Snow Foam contains a specialized Xtreme Cling foaming action that delivers an intense foam that sticks and clings to painted surfaces gently loosening road grime, dirt and contaminants.
Fine-tuned to carefully and thoroughly clean coated, waxed or sealed finishes while preserving protection and leaving a brilliant, swirl-free shine.
Do You Have a Classic Car That's Hard to Insure?
We will listen to your requirements for cover, and discuss the best options with our panel of expert underwriters, to see if we can cover your cherished vehicle.
Call our specialist team on 01480 484826 or we will aim call you back at the time you have requested and let Lancaster Insurance Services help you.
Classic Car MoT Exemptions
In May 2018 the Department for Transport announced that cars that were built more than 40 years ago exempt from MOT testing, with the option for owners to voluntarily have their car tested if they feel it needs checking.
Introducing the Rover 75
Like its illustrious Rover predecessors, the wedge-shaped P6 and the Ferrari Daytona-inspired SD1, the good-looking Rover 75 can lay claim to an important position in British motoring history.
Where the P6 was the last true Rover car before the independent Rover marque became part of the British Leyland family, the Rover 75 was the marque's last completely new car.
Manufactured between 1999 and 2005 by the Rover Group and later by MG Rover, the Rover 75 was the last hurrah for one of the most British of auto manufacturers.
Hitting the market just as things appeared to be winding down for Rover it was an eye-catching example of just what British motor manufacturing was really capable of.
Debuting at the Birmingham Motor Show in October 1998 and going on sale in June 1999, the motoring press loved the aristocratic good looks of this executive car. Indeed, it was the only executive car shortlisted for the European Car of the Year 2000 Awards.
While a panel of leading Italian and international automotive experts voted it the world’s most beautiful executive saloon!
But we’re not all about looks here at Lancaster. How did it drive? Rather well, thank you very much.
Powered by a range of petrol and diesel engines including the Rover K Series 1.8-litre four-cylinder unit, two V6 engines in 2.0-litre and 2.5-litre, and a 2.0-litre turbo diesel engine.
There was even a V8 version using a 4.6-litre Mustang-sourced engine.
As you would expect from Rover, most models of the Rover 75 came in multiple trim levels, with the more expensive models offering more equipment.
The sought after Mark I models came in three main trim ranges: the Classic, Club and Connoisseur.
These in turn came in varieties with even more equipment, the Classic SE, Club SE and Connoisseur SE. We’re always keen to provide classic car insurance for one of these super-stylish final Rovers.
What extra equipment did you get with the Classic SE, Club SE and Connoisseur SE models?
With these cars almost infinitely adaptable it can be tricky working out exactly which model you have.
The Rover 75 club has lots of great information to help you, including this invaluable forum post on checking the specs of your Rover 75.
Classic SE extra equipment included:
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Air Conditioning
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15 inch ‘Contour’ Alloy wheels
Club SE extra equipment included:
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Front Fog Lamps
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16 inch ‘Union’ Alloy wheels
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ATC Automatic Temperature Control (from 2003)
Connoisseur SE extra equipment included:
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Cruise control
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Driver’s seat position memory
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Powered rear sunblind
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One piece folding rear seat with through loading facility
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‘Symphony’ Alpine 8 speaker radio cassette
Be aware there were a host of other optional extras available for all models at additional cost.
Is the Rover 75 eligible for classic car insurance?
A classic car is generally considered to be one over 20 years old. Although no one would disagree that a 1969 Rover P6 is a classic car, the untrained eye might not agree that a Rover 75 fits the bill. But they’d be wrong.
So, if the first Rover 75 appeared in 1999 and the last in 2005, is your Rover 75 considered a classic deserving of classic car insurance? Well, yes, it is!
Knowledgeable insurers use different metrics to determine whether your car is a classic car or not.
At Lancaster we’re able to correctly identify cars like the Rover 75 as the classics they are and give them the insurance cover they deserve.
If your Rover 75 is as lovingly maintained as any older classic car, then it should be protected with a specialist, and often cheaper insurance policy to reflect this.
What car insurance group is my Rover 75 in?
Well, that isn’t a straightforward question. There are a lot of different models that fall into different insurance groups.
These can range from a 1.8-litre Classic SE in Group 17, all the way through to a 2.5-litre V6 Connoisseur SE in Group 28.
Give Lancaster a call and we can give you a definitive answer on which insurance group your Rover 75 falls into.
Classic Rover cars worth insuring with Lancaster
While Rover bowed out as a marque with the exceptionally handsome and capable Rover 75, it produced plenty of other classics over its prestigious history.
Highlights include two European Car of the Year winners and two absolute off-road legends!
If you want to know our favourite Rovers of all time then read our recent guide to 15 of the best classic Rovers. This stunning list includes the Rover P5 and Rover P6 as well as the Range Rover Classic and, of course, the Rover 75. These are all iconic British cars that now deserve the protection of classic car insurance.
At Lancaster Insurance Services, we specialise in classic Rover car insurance and can insure all these models and more.
I own more than one Rover classic. Can I arrange multi car insurance?
Well, aren’t you a lucky Rover owner? Here at Lancaster Insurance Services, we can help arrange one single insurance scheme that protects all your classic Rovers under one policy.
Arranging a single ‘multi car’ insurance policy like this will mean less admin stress for you. It can also be a cost-effective way to cover all your Rover classic cars.
We hope this article has reminded you that classic cars can come in any shape and size. If you’ve got a Rover in need of specialist insurance then why not contact us for a quote?