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 on a hobby basis. 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!

• Acceptance of oldtimer from 25 years of age
• Premium payment per month possible
• Premium from € 6,- per month!
• Use 5000 and 7500 kilometres 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

Third-party liability (WA)

TPL insurance is the basic coverage and cheapest vintage car 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 cover (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 casco (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 oldtimer: commuting, daily use or just hobby
5. How many kilometres per year the old-timer is driven
6. The coverage. Third-party insurance is cheaper than All-Risk cover

With our online tool, you can compare cheap insurance and, if you wish, purchase it right away. All you need is the license plate number. Then the tool asks some additional data such as:

1. The number of claim-free years
2. Your age
3. Your zip code

Then select your desired coverage and you will immediately be shown the top 5 cheapest providers. Third-party insurance is the cheapest coverage for vintage car insurance.

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 gate in front of it or a parking garage that is multi-accessible.

A variant of this clause is that the storage requirement only applies when the vintage car is within a radius of 1 kilometre from the home.

Stowage clause differs from company to company

Not every insurer stipulates a parking clause as standard. This differs per product, type and value of the vehicle. Therefore, when taking out insurance, always ask whether a storage clause applies.