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Rolls-Royce Car Insurance

The only adjective to describe this elegant giant is Perfection. Perfection with regards to design, be it exterior or interior, power, elegance etc. This is a true status of symbol.

Rolls Royce was founded in 1906 which began liquidation in 1971 and the quite separate new owner of its business, Rolls-Royce (1971) Limited, now re-named Rolls-Royce plc. It incorporated Rolls-Royce Motors to own its car division in 1973 and then sold it to Vickers in 1980.

Did you know that approximately 65 percent of the Rolls Royce made are still on the road? This shows the collaboration of powerful craftsmanship and technology which has laid a strong foundation for what Rolls Royce is today.

Models manufactured by Rolls Royce

Rolls Royce Phantom

Apart from Luxury it is powered by 6.75 litre V12 engine that produces 571ps of power and 900Nm of torque. Adding to the comforts that it has, Phantom includes a 4 camera system with a panoramic view, all round visibility with helicopter view night vision and vision assist and active cruise control.

It can hit 0-100 in 5.3 seconds. This swanky is available in 2 variants that is Sedan and EWB respectively.

Rolls Royce Phantom Coupe

The Phantom Coupe is a slightly longer and wider. It has 6749 cc engine which produces power of 460 bhp @ 5350 RPM power. It 6.8L variant to it.

Rolls Royce Ghost Series II

Ghost Series II is another piece sculpted beautifully. It has all new refreshed headlights with daytime running lights, a new bonnet and new tail lights. It has a 6592cc engine which produces a maximum power of 563 bhp @ 5250 RPM and torque of 780 Nm @ 1500 RPM.

This model is available in two variants that is

  • Rolls Royce Ghost Series II 6.6
  • Rolls Royce Ghost Series II EWB

Rolls Royce Wraith

This model is persona of Power, style and drama. The Wraith was a fashion inspired model which got its design inspiration from different palettes, materials and techniques familiar to the fashion industry.

Wraith comes with a 6592 cc engine and produces 624 bhp @ 5600 RPM power.

Rolls Royce Drop head Coupe

Can imagine this luxury in a convertible form? Well the imagination is now reality and with Coupe. It has a 6749 cc petrol engine. It produces 460 bhp @ 5350 RPM power. Apart from hand crafted interiors and premium material upholstery, the leather and wood interior are breath taking.

Rolls Royce Dawn

This is a convertible based on the Wraith coupe. It seems it is almost the replica of Rolls Royce Wraith. It has 6598 cc engine that produces power of 563 bhp@5250-6000 rpm. It can reach the speed of 0-100 in 5.0 seconds, which as compared to the other family members seems the fastest.

FAQs on Rolls Royce

What happens if my Rolls Royce car insurance is already expired?

Not renewing your policy on or before your policy expiry will have consequences to it such as:

  • Inspection is required for renewal when policy is expired
  • You may lose out on offers and discounts if any
  • You lose out on the NCB (no claim bonus), because having an NCB provides discount on your policy premium
  • Most importantly, the premium will always be at the higher side, if policy is purchased after expiry

Which add-ons should I look for when renewing my Rolls Royce car insurance policy?

Below are the must haves add-ons for your car insurance policy or most recommended add-ons:

Road side assistance

A road side assistance is a must in case of any emergency. What if’s a flat tyre in the middle of a road or an accident? A road side assistance (RSA) will help you out in that case.

NCB Protection

  • When the Engine of the car is submerged in a water logged area, using or cranking the engine can result in engine seizing. This is not covered under regular Insurance.

  • Engine protector covers such non-accidental exclusions related to your engine. It is a must buy for luxury cars where engine is very costly & is placed at low ground clearance.

What if I provided wrong information while buying Rolls Royce car insurance?

In case if you happen to provide wrong information, the policy may stand null in that case. Though changes can be done on those, at the discretion of the insurance company.

However not all insurance companies will agree and make changes, some may also ask to cancel the policy.

Note: To cancel a policy an alternate fresh and correct policy is required across all insurers

Whom should I buy/renew my Rolls Royce car insurance, broker, agent or insurance company?

There are pros and cons if you buy policy from the below

1. Agents

Pros: They are physically available in case of any help. However not all agents will be able to help you in case if claim if any.

Cons: Since agents get commission on target basis, they may sell you to most expensive policy and not the one which is tailor made for you.

2. Insurance Company

Pros: Most of the insurers have e their toll free numbers. You can always contact them in case of any claim related issues or services related issues.

Cons: The insurance company will only have its own product, and you may not have the chance to compare the prices, services etc with some other insurer.

3. Brokers


  • Brokers like will provide you with unbiased suggestions with regards to services, premiums, and claim settlement ratios of the insurance company.
  • You will also have a designated service manager's team to help you with your service related query, a claims team to handle your claim until settlement and a special express claims team in case if your policy falls under Express claims.

Cons: Not all brokers are available 24/7 on the toll free numbers