Fuel filters keep fuel clean for efficient burning. The can get clogged up bby using dirty fuel, or if fuel runs low or empty, then dirt can accumulate at bottom of tank. These are recommended to be changed every 2 years, but whether or not all garages do so is a bit of a mystery. For the sake of about 10 pounds for a filter and 20 mins of time, I change mine every 6-12 months, for piece of mind.
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*All mechanical suggestions and tips are purely for information only. I accept no responsibility for any damage to vehicles or persons as a result of any of my information. Consult a MG-Rover manual before attempting any repairs. Some repairs should be carried out by professionals only.