What is classic Rover insurance?
Classic Rover insurance is a type of insurance specifically designed for classic cars. It is a special type of car insurance and can differ significantly from regular car insurance in terms of cost, coverage, and eligibility requirements. Classic Rover insurance is tailored to the needs of classic car owners and is designed to protect their vehicles from the unique risks and requirements associated with owning a classic car.
Classic Rover insurance typically provides a higher level of coverage for classic cars than regular car insurance policies. This is due to classic cars often having higher repair costs due to their age and rarity.
Classic Rover insurance is also designed to provide coverage for parts that may be difficult or expensive to replace, such as classic car parts. In addition, classic Rover insurance often covers events such as car shows, parades and rallies, which may not be covered by regular car insurance policies (terms and conditions apply).
To be eligible for classic Rover insurance, the car must typically be at least 15 years old. Additionally, the car must typically be in good condition, and may need to be inspected by an insurance company representative to determine its eligibility. The owner of the car may also need to provide evidence of regular maintenance, such as receipts for oil changes and repairs.
How do I get a quote for classic Rover insurance?
To get a quote for your classic vehicle or to receive a quote for any of our other insurance products, you can get a quote through our website by clicking here.
If you would like to talk to one our insurance specialists, you can give us a call on 01480 484 826 to receive more information.
Can you insure a Rover 75 as a classic car?
With the latest model of a Rover 75 being manufactured in 2005, this model of car is technically eligible for classic car insurance. You may be able to insure your Rover 75 as a classic car, however, this depends on a number of factors that must be made known to the insurer including the condition of the car and modifications to name a few.
Should your Rover 75 has be confirmed as eligible for classic car insurance, the owner will need to provide proof of ownership and a detailed description of the car. They may also be asked to submit pictures of the vehicle, as well as a copy of the vehicle’s registration papers.
Once all the necessary documents have been supplied, the insurance provider will assess the risk associated with insuring the classic Rover 75 and provide a quote.
Lancaster is the insurance broker of choice for classic car owners providing cover for over 88,000 classic cars (as of May 2019).
We arrange classic car insurance for over 40% of all MG Bs on the road and over 30% of all Land Rover 88s and MG Midgets – proving that classic car owners place their trust in us.
At Lancaster Classic Car Insurance, we aim to find the best price for 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 tailored policy, bespoke to your requirements – this can include cover for:
Lancaster Insurance is committed to supporting the classic car clubs.
Owners club members may enjoy discounts of up to 25% off their insurance premium (the level of discount offered by each insurer differs and is subject to underwriting criteria).
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, 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
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.
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.
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.
How old does a car have to be to be classic for insurance?
The definition of a classic car varies depending on the insurance company you are considering. Generally, a car must be at least 15 years old to be considered a classic car.
When considering classic Rover insurance, the insurer will want to know the make, model, and year of the car. Additionally, the insurer will also want to know the vehicle’s condition, history, modifications, and the number of miles on the odometer. Lancaster Insurance Services may seek additional requirements such as limits on the number of miles driven during the policy period and may even require an annual mileage review.
It is important to note that classic car insurance policies are not the same as normal car insurance policies. Classic car policies typically provide coverage for repair costs, parts replacement, and even liability coverage as well as providing other benefits such as car club member discounts.
It is important to read through the policy wording or speak to a representative of a classic car insurance policy/insurer before making your purchase.
Classic Rover insurance policy benefits with Lancaster
If you're considering whether to take out an insurance policy for your classic car, you might want to take into consideration the number of benefits that your policy offers you.
From there, you can decide which benefits suit your specific needs and if classic car insurance is right for you.
Lancaster Insurance Service's benefits:
- Car Club member discounts
- Static Show Cover
- Historic Rally Cover
- Choice of repairer
- Salvage Retention
- Free EU cover up to 90 days
- Two Year Agreed Valuation available for £18
- Laid Up Cover Available
- 24 Hour Claims Helpline
- UK Based Call Centre
- Limit Mileage Discounts
Finding the right classic Rover insurance for you
Classic Rover insurance provides coverage for classic Rovers that are used for pleasure and occasional business purposes, and it considers the age, condition, and value of your car.
When selecting a classic Rover insurance policy, make sure to consider the value of your classic Rover, the type of coverage you need, the types of risks your classic Rover may be exposed to, and the cost of classic Rover insurance.
If you're looking at taking out a car insurance policy/vintage car insurance with us, call our specialist team on 01480 484826.