Classic car insurance calculation and conclusion

A small group of motorists can get vintage car insurance. Do you also want cheap insurance for your vintage car? Then you may only use the second car for hobby purposes. Also, the oldtimer is limited in the annual mileage. Often insurers thus set a ceiling of 5000 or 7500 kilometers per year.

With Alpina, you can insure a vintage car when the classic car is 25 years old or older. Many other insurers use a higher limit. It is easy to calculate the premium for vintage car insurance.

Are you eligible for low-cost insurance? Then you'll enjoy the benefits below!

• Oldtimer acceptance as early as 25 years of age
• Premium payment possible per month
• Premium starting at €6 per month!
• Use 5000 and 7500 kilometers per year possible
• Insurance based on a valuation report is possible

Alpina also has classic car insurance for, in addition to cheap passenger car insurance:

Camper vintage car insurance
Vintage truck insurance
Vintage moped insurance
Vintage motorcycle insurance

Civil liability (WA)

Third-party insurance is the basic coverage and cheapest old-timer insurance. It covers the damage you cause with the car to third parties, but not the damage to your own car.

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Limited casco (WA plus or WA+)

In addition to the third-party insurance, damage to your own oldtimer is now also covered in the event of fire, theft, storm and broken windows, among other things. Damage to your own oldtimer that you have caused yourself (for example by a collision) is not compensated on this oldtimer insurance.

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Full hull (all-risk)

This is the most comprehensive coverage for vintage car insurance. Everything covered under limited hull is covered, but now all damage to your own vintage car is also covered.

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Comparing vintage car insurance is important. A number of factors play a major role in determining the premium; the so-called premium determining factors. Insurers let the premium depend on:

1. The year of construction of the vintage car
2. The value of the car
3. The love of the regular driver
4. The use of the vintage car: commuting, daily use or only hobby use
5. How many miles per year the vintage car is driven
6. Coverage. Third-party insurance is cheaper than All Risk coverage

On vintage car insurance, you do not build up claim-free years. The premium is a fixed premium. Regardless of whether you make a claim the premium does not change. On the other hand, the premium is already very low.

Much lower than regular car insurance. This is because you are allowed to use the vintage car more limited. For example, there is a limit to the use and the number of miles you can drive the vehicle per year.

What exactly is the oldtimer road tax? When is a car a vintage car and when do you no longer have to pay road tax for a vintage car?

If your insurance includes a storage clause , the vintage car must be stored in an enclosed area between sunset and sunrise. This is not a carport with a fence in front of it or a parking garage that is accessible to several people.

A variation of this clause is that the storage requirement applies only when the vintage car is within a 1-kilometer radius of the home.

Stowage clause varies by company

Not every insurer sets a standard stowage clause. This varies by product, type and value of the vehicle. Therefore, when taking out insurance, always ask if a stowage clause applies.

Saving money is good, of course, but do it the right way. You don't save money by settling for third-party or limited liability insurance. That is saving by compromising on the quality of the insurance. A better way is to compare the various insurers and choose the classic car insurance at the most competitive premium. Saving on the quality you will regret in case of damage.

Example

Your vintage car has a value of €25,000. You can choose for the all risk oldtimer insurance with a premium of €44 per month. Per month you can save more than €30 by not insuring your oldtimer all risk but WA. The annual savings amount to €360.

Suppose, due to a steering error, you cause a collision. The damage to your car amounts to €7,500. This damage will not be paid with the third-party insurance, but with the all-risk old-timer insurance. In this example, which insurance you choose is not a difficult decision.

An accident can cause serious bodily injury to passengers. An accident can even result in death. With insurance, you cannot prevent the suffering, but you can limit the financial suffering.

Accidental occupant insurance pays an amount in the event of permanent disability or death of one or more of the passengers. A benefit of €5,000 follows death and €15,000 follows permanent disability.

It does not matter for the benefit who is found responsible for the loss. Benefits also follow for the driver. Even if the accident is the fault of the driver himself.

Passenger indemnity insurance also pays out in the event of an accidental injury to the passengers or driver. The big difference is that it is not limited to a one-time payout, and a payout does not follow only in case of injury. Passenger indemnity insurance also pays out for property damage from the accident.

For example, possessions in a passenger's bag that are damaged. More important is the much broader coverage for injuries. In case of permanent disability, the insurer pays the actual financial loss. This can run into the hundreds of thousands of dollars if the victim can no longer work.

In traffic, it's easy to get into a legal dispute. In some cases, the insurer behind the classic car insurance will cover these costs, but not always. Legal expenses insurance also provides coverage if you have a dispute with your garage company over a repair.