The 2.7 engines in the RRS suffered oil pump casing issues ; check its been done. Suspension rubbers can go frequently as does the lower ball joints at the front. Some engines have suffered blown turbo-chargers which is a body-off repair - is bits get in the engine can be a £10k bill. Older cars ...

Only putting your hand in your pocket and buying one will do that.

^^^^ Tis your decision Turks but the small print says its your responsibility to let them know if there is any change to the car's spec. Some companies are even looking to load premiums when 'factory' options are dealer fit !! Since the cost of repairs keep rising they will look harder and harder ...

Bear in mind some insurers treat changing wheels as a modification, they don't often charge more, but will want to know if you've fitted winter rubber