Youngtimer insurance: insure your yougtimer directly
Which cover suits you?
Which cover suits you?
Third-party liability (mandatory)
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest old-timer insurance. The damage you cause to third parties with your oldtimer will be reimbursed, but not the damage to your own oldtimer.
- Theft, joyriding and lossi In addition to third-party cover, theft damage is now also covered. Damage to your own old-timer that you have caused yourself (e.g. by a collision) is not reimbursed.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Attention: If the damage to the window is caused by an accident, this is not covered under WA-limited casco.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
WA limited casco
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest old-timer insurance. The damage you cause to third parties with your oldtimer will be reimbursed, but not the damage to your own oldtimer.
- Theft, joyriding and lossi In addition to third-party cover, theft damage is now also covered. Damage to your own old-timer that you have caused yourself (e.g. by a collision) is not reimbursed.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Attention: If the damage to the window is caused by an accident, this is not covered under WA-limited casco.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
All-Risk (WA+Casco)
- Free recovery servicei Alpina works with 112schade.nl to recover non-covered damages from the other party. Has someone caused damage to you, but you have no coverage on your own policy? 112schade.nl can help you recover your damage from the other party completely free of charge.
- Damage to othersi This is the basic and cheapest old-timer insurance. The damage you cause to third parties with your oldtimer will be reimbursed, but not the damage to your own oldtimer.
- Theft, joyriding and lossi In addition to third-party cover, theft damage is now also covered. Damage to your own old-timer that you have caused yourself (e.g. by a collision) is not reimbursed.
- Windscreen damagei Windscreen damage includes damage to the windscreen itself and consequential damage caused by windscreen fragments. Attention: If the damage to the window is caused by an accident, this is not covered under WA-limited casco.
- Damage by fire or natural disasteri In addition to third-party cover, damage caused by fire or natural disasters is now also covered.
- Own damage caused by a collisioni Damage to one's own vehicle due to a collision is covered. Regardless of who caused the damage. However, intent is excluded.
A youngtimer insurance is cheaper than a regular car insurance. Whether a car is considered as a youngtimer differs per insurer and depends on age, brand and use.
What is a youngtimer?
The youngtimer is the name for vehicles, mostly passenger cars, which are not yet old enough to be considered oldtimer. A youngtimer is in fact a "young oldtimer", mostly these are cars of 15 to 25 years old. There are some insurers who consider certain cars to be youngtimers from 10 years of age.
To be considered a youngtimer, your car has to fulfil certain conditions:
- The car must be at least 15 years old. (In some cases, cars of at least 10 years old are considered youngtimer)
- You have another car for daily use besides the youngtimer.
- The car is used as a hobby, not for commuting.
- You are allowed to drive a maximum number of kilometres per year with the car. Often this is a maximum of 5000 or 7500 kilometres.
When is a car an old-timer?
A youngtimer is in fact a "young old-timer", mostly these are cars of 15 to 25 years old. There are some insurers who consider certain cars to be youngtimers from 10 years of age.
Most youngtimers will become classics in the future. It is therefore usually a model that is no longer in production or of which not many were made.
When are you eligible for youngtimer insurance?
A youngtimer insurance is offered by only a few insurers. If your car complies with the above points, you can take out the special youngtimer insurance. For this insurance a valuation report is necessary. This has to do with the fact that in case of a total loss the valuation will be reimbursed. With a regular car insurance you normally get the current value in case of a total loss.
Another advantage of a youngtimer insurance is that you often pay less premium than with a regular car insurance. The insurer takes into account that you use the car as a hobby and that you don't drive a lot of kilometres.
What insurance coverage with a Youngtimer?
When choosing car insurance for your youngtimer, pay close attention to the additional conditions set by the insurer. There can be limitations in the amount of kilometres you can drive per year. Sometimes you can insure your youngtimer only as a second car. With a second car insurance the possession of a car for daily use is obligatory. That means that you can use the youngtimer only on hobby level and can drive maximum 7500 kilometres per year.
Because a youngtimer is a relatively young car, you can also insure this car for daily use. You can calculate the premium for your car directly at the bottom of this page and take out car insurance if you want.
WA
Third-party liability (TPL) insurance is a legal requirement for every car owner. This coverage ensures compensation for damages due to liability to the other party.
WA limited casco
With WA-restricted hull insurance , you will also be reimbursed for fire damage, broken windows and damage caused by a collision with stray animals.
All-risk
All-risk insurance is the most comprehensive cover. With it, damage to your own vehicle caused by collisions is also covered by your own insurer. Furthermore, vandalism damage is also insured with the all-risk insurance.
All-risk insurance is the most logical choice for cars up to 6 years old.
In addition to the above coverages, it is possible to take out additional insurances. These include accident passenger insurance and damage passenger insurance.
Alpina
Do you need help? Please contact us, we are happy to help! We are available on working days between 08:00 and 18:00 on telephone number 088-6883700.
How does the youngtimer scheme work?
The youngtimer scheme was introduced in 2016. This scheme means that the additional tax liability of 35 percent is calculated over the current value of the vehicle instead of the catalogue value. Since the current value of the vehicle is a lot lower than the catalogue value, this can be very beneficial for entrepreneurs when considering the purchase of a company car. Entrepreneurs are more or less rewarded by the tax authorities this way. You are not driving a new car and it is then not proportionate to pay an addition on the catalogue value.
What are the advantages of a Youngtimer?
A youngtimer is a relatively cheap car. The depreciation on cars is high. From the moment you leave the dealer with a new car, the value of the car decreases immediately. You can save a lot of money by buying a youngtimer. Youngtimers are popular. Generally youngtimers are offered with low counters. For a 15 year old car a milage of 100.000 kilometres is not much. Because of the low odometer readings and the attractive price, vintage cars are very popular.
Youngtimer scheme
The big advantage of the youngtimer scheme is that the car has a small depreciation every year and therefore you have to pay less. Although the insurance premium will remain the same every year, a youngtimer becomes cheaper every year. This is because the car gets older and the additional tax is calculated over the daily value. Because the daily value of the car decreases, you also pay less additional tax.
Youngtimer scheme private persons
The youngtimer arrangement is not only interesting for entrepreneurs. This scheme also offers advantages to private persons. Are you considering buying a youngtimer as a private individual? There are also interesting advantages for private persons. Beside the fact that a youngtimer is, in comparison with new(er) cars a lot more affordable, it is for many people a piece of nostalgia. The depreciation of a youngtimer is minimal. That's why yougtimers of brands like BMW, Volvo, Mercedes and Audi are also very popular with private persons. The luxury cars that seemed unaffordable for many people are now financially within reach.
Youngtimer scheme 2021
The youngtimer scheme in 2021 will remain the same as in previous years. Also in 2021, the additional tax rate is 35 percent (maximum) over the daily value of the car. For fully electric cars this is 17 percent. However, there are still few fully electric youngtimers. This will increase over the years as the electric car is produced more frequently compared to years ago.
Youngtimer scheme
The big advantage of the youngtimer scheme is that the car has a small depreciation every year and therefore you have to pay less. Although the insurance premium will remain the same every year, a youngtimer becomes cheaper every year. This is because the car gets older and the additional tax is calculated over the daily value. Because the daily value of the car decreases, you also pay less additional tax.
Youngtimer scheme private persons
The youngtimer arrangement is not only interesting for entrepreneurs. This scheme also offers advantages to private persons. Are you considering buying a youngtimer as a private individual? There are also interesting advantages for private persons. Beside the fact that a youngtimer is, in comparison with new(er) cars a lot more affordable, it is for many people a piece of nostalgia. The depreciation of a youngtimer is minimal. That's why yougtimers of brands like BMW, Volvo, Mercedes and Audi are also very popular with private persons. The luxury cars that seemed unaffordable for many people are now financially within reach.
Youngtimer scheme 2021
The youngtimer scheme in 2021 will remain the same as in previous years. Also in 2021, the additional tax rate is 35 percent (maximum) over the daily value of the car. For fully electric cars this is 17 percent. However, there are still few fully electric youngtimers. This will increase over the years as the electric car is produced more frequently compared to years ago.
Youngtimer scheme ZZP
A youngtimer can also be a good option for a self-employed person. As a ZZP'er you can also use the company car privately. When you drive 500 kilometres or more for private use with a company car, you will have to pay an addition to your income. A certain percentage of the value of the car is added to your income and you have to pay income tax on this. For youngtimers this percentage is higher than for younger cars, but the big advantage is that with youngtimers this percentage is levied on the daily value. This way you still pay much less tax on your business youngtimer.
Youngtimer insurance
For a youngtimer you can take out the so-called youngtimer insurance. As you can read above, there are three different forms of coverage to choose from. A youngtimer is not often insured all-risk. This coverage is mostly chosen for new cars. You can choose for a limited casco insurance. This insurance covers not only damage caused by the other party (WA) but also fire damage, broken windows and damage caused by collision with stray animals.
Youngtimer insurance calculate
Are you the proud owner of a youngtimer or do you consider to buy a youngtimer, then you can easily and quickly make a calculation on our website. Also when you're not sure yet which one it will be. That way you'll get a good idea of what the insurance of your youngtimer will cost.
Youngtimer scheme ZZP
A youngtimer can also be a good option for a self-employed person. As a ZZP'er you can also use the company car privately. When you drive 500 kilometres or more for private use with a company car, you will have to pay an addition to your income. A certain percentage of the value of the car is added to your income and you have to pay income tax on this. For youngtimers this percentage is higher than for younger cars, but the big advantage is that with youngtimers this percentage is levied on the daily value. This way you still pay much less tax on your business youngtimer.
Youngtimer insurance
For a youngtimer you can take out the so-called youngtimer insurance. As you can read above, there are three different forms of coverage to choose from. A youngtimer is not often insured all-risk. This coverage is mostly chosen for new cars. You can choose for a limited casco insurance. This insurance covers not only damage caused by the other party (WA) but also fire damage, broken windows and damage caused by collision with stray animals.
Youngtimer insurance calculate
Are you the proud owner of a youngtimer or do you consider to buy a youngtimer, then you can easily and quickly make a calculation on our website. Also when you're not sure yet which one it will be. That way you'll get a good idea of what the insurance of your youngtimer will cost.
Compare Youngtimer insurance
Even if you already have youngtimer insurance, it never hurts to compare different youngtimer insurances. Comparison is always worthwhile. After entering the license plate number and some additional data you will immediately get an overview of the different possibilities. You will get an overview of the different insurers including premiums and additional conditions. Also want to know if and how much you can save. On our website, a calculation without any obligation is quickly made.
Youngtimer tax
The moment your car is 15 years old, there is a good chance that you can call it a youngtimer. From that moment on, if you drive the car for business and private use, you will have to pay 35 percent addition on the daily value of your car. The daily value is determined by the tax authorities on the basis of the market value (WEV). Most insurers, however, have a specialised appraiser determine the current market value. The appraiser not only looks at the average market value, but also at individual aspects. As a result, the market value determined by the tax authorities is often lower than the value assigned by the insurer.
Youngtimer road tax
In contrast to old-timers of 40 years and older, youngtimers are subject to road tax. Only the fully electric cars are exempt from road tax. The amount of road tax for your youngtimer depends on a number of factors. These are amongst others your postal code, the weight of the youngtimer and the fuel the youngtimer drives on. When you lease a youngtimer, usually your employer or lease company pays the road tax and this is included in the lease fee.
Compare Youngtimer insurance
Even if you already have youngtimer insurance, it never hurts to compare different youngtimer insurances. Comparison is always worthwhile. After entering the license plate number and some additional data you will immediately get an overview of the different possibilities. You will get an overview of the different insurers including premiums and additional conditions. Also want to know if and how much you can save. On our website, a calculation without any obligation is quickly made.
Youngtimer tax
The moment your car is 15 years old, there is a good chance that you can call it a youngtimer. From that moment on, if you drive the car for business and private use, you will have to pay 35 percent addition on the daily value of your car. The daily value is determined by the tax authorities on the basis of the market value (WEV). Most insurers, however, have a specialised appraiser determine the current market value. The appraiser not only looks at the average market value, but also at individual aspects. As a result, the market value determined by the tax authorities is often lower than the value assigned by the insurer.
Youngtimer road tax
In contrast to old-timers of 40 years and older, youngtimers are subject to road tax. Only the fully electric cars are exempt from road tax. The amount of road tax for your youngtimer depends on a number of factors. These are amongst others your postal code, the weight of the youngtimer and the fuel the youngtimer drives on. When you lease a youngtimer, usually your employer or lease company pays the road tax and this is included in the lease fee.
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