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.

Two Year 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 Two Year Agreed Valuation. 

Agreed upon by both you and us, if the worst happens and your Rover 75 is written off, you will be reimbursed by your insurance provider, to the exact amount agreed. You can find out more on our Agreed Valuation page.

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 and find the best quote there’s really no substitute for speaking to the experienced team at Lancaster.

Free 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.

Available benefits at a glance

• 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
• Laid Up Cover Available*
• 24 Hour Claims Helpline
• UK Based Call Centre
• Limit Mileage Discounts

*(available for £18)

Why Choose Lancaster Classic Car Insurance?

• Classic Car That’s Hard to Insure?
• Classic Car MoT Exemptions
• Classic Car Insurance Quote
• Classic Car Insurance Discounts and 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

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:

• Air Conditioning
• 15 inch ‘Contour’ Alloy wheels

Club SE extra equipment included:

• Front Fog Lamps
• 16 inch ‘Union’ Alloy wheels
• ATC Automatic Temperature Control (from 2003)

Connoisseur SE extra equipment included:

• Cruise control
• Driver’s seat position memory
• Powered rear sunblind
• One piece folding rear seat with through loading facility
• ‘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?