Yeah as said speed 3 and 4 bypass the resistor pack so it wont be that. Resistor pack only affects 1 and 2.
Its either the fuse or the motor itself. Not a hard job to change. remove the glovebox and its held in with 3 bolts iirc underneath the heaterbox. Unndo the bolts and it should just drop down.
all Rover 400 bubble, 45, ZS motors are the same. I've got a spare working one here if you need one.
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