Rolls-Royce Car Insurance

Rolls-Royce India
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About Rolls-Royce

Rolls-Royce is a popular British automobile maker who is known for its best quality and exquisite hand craftsmanship. The brand came into the limelight in 1998 when Rolls-Royce plc gave BMW the rights to the Rolls-Royce logo & brand name and acquired the trademark of Rolls-Royce grill shape with rights to the Spirit of Ecstasy from Volkswagen AG. Since then, the brand has come out with several cars which have dominated the hearts of the luxury car owners. In India, Rolls-Royce sells its vehicles via 3 dealerships which are spread across 3 cities. Let's take a look at the top 2 Rolls-Royce vehicles in India.

Rolls-Royce Car Models

1. Rolls-Royce Ghost

Rolls-Royce Ghost

It is a 4 seater Sedan with 1 petrol engine and an engine displacement of 6592 cc. It comes with an automatic transmission facility. The mileage of the model varies between 10.1 kmpl and 10.2 kmpl depending upon the variant of the car model. The car model comes with the dimension of length 5569 mm, width 1948 mm, and wheelbase 3465 mm. The max torque and max power are 820Nm@1500rpm and 563bhp@5250rpm respectively. The fuel tank capacity of the model is 82 litres and boot space is of 490 litres.

2. Rolls-Royce Phantom

It is a 5 seater Sedan with length 6092 mm, width 1990 mm and wheelbase 3820 mm. It has 1 petrol engine on offer with an engine displacement of 6749 cc. It is available with automatic transmission. The model gives a mileage of 9.8 kmpl. The max torque of the model is 720Nm@3500rpm. The max power of the model is 453bhp@5350rpm. Rolls-Royce Phantom comes with boot space and fuel tank capacity of 460 litres and 100 litres respectively. It has features like power steering, anti-lock braking system, fog lights - front, alloy wheels etc.

Rolls-Royce Phantom

Rolls-Royce Car Insurance Price

You have to keep in mind a few factors that affect the premium of the car insurance:

  • Car's IDV
  • The current state of the car
  • Age of the car
  • Type of coverage required

For your reference, the insurance price of 2 Rolls-Royce cars have been mentioned below:

Car ModelVariantEx-Showroom Price (Lakhs)IDV*Zero depreciation (Add on)*Premium (Basic)*
PhantomEWB FK 02 RHD Petrol (6749 CC)Rs.11.35 CroreRs.6,80,31,255Rs.3,74,172Rs.7,26,388
Ghost6.6 V12 TWIN TURBO Petrol (6592 cc)Rs.5.35 CroreRs.4,43,74,246Rs.2,44,058Rs.4,82,247

*The values are calculated based on the city (Mumbai) and year of registration (2020).

Note: You can opt for additional covers to better safeguard your car and yourself against future uncertainties.


  • Car theft.
  • Personal accident cover.
  • Own-damage cover.
  • Third-party property damage cover.
  • Accidental damage to car parts.
  • Physical injury to passengers travelling in the car at the time of the accident.
  • Any damage because of natural calamity.


  • Accidental damage while driving under the effect of intoxicants.
  • Any type of wear & tear of car parts.
  • Damage due to war activity.
  • Damage due to terrorist attack.
  • Accident committed while minor is driving the insured car.
  • Any damage to the car accessories bought by the car owner.
  • Any technical glitch in the car's engine.
  • Any fraud accident reported to the insurance company.
  • Any accident committed in the absence of the driving license.

Rolls-Royce Car Insurance: FAQs

1. My Rolls-Royce Phantom car model is 5 years old. The locking system of the boot space is not functioning properly. Can I get it repaired under car insurance?

No, this will be considered under the wear & tear of car parts, so, it will not be covered under a car insurance policy.

2. What is the Rolls-Royce toll-free number for services in India?

The Rolls-Royce's toll-free number for India is: +91 11 41811000

3. Is the car's carburettor covered under the car insurance policy?

Yes, the carburettor of the car gets covered under the car's engine cover.

4. My Rolls-Royce car seat cover got damaged in an accident. Will it be covered under the car insurance policy?

Yes, you can get coverage for the car seats if it is damaged in an accident.

Last updated on 30-12-2020