Oldtimer insurance
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.
Cheap oldtimer insurance
With our online tool you can compare cheap vintage car insurance, as well as take out your insurance right away. First, enter your license plate number. Then the tool asks for some additional information, such as the number of claim-free years, your age and your zip code. Then select the desired coverage, such as third-party insurance, and the tool immediately shows the top 5 cheapest oldtimer insurance providers.
Possible coverages for oldtimer insurance
Third-party liability (WA)
The WA-insurance is the basic and cheapest oldtimer insurance. The damage you cause to third parties with your car will be reimbursed, 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, the damage to your own old-timer is now also compensated in the event of fire, theft, storm and broken windows. Damage to your own old-timer which you have caused yourself (for example by a collision) is not compensated on this old-timer insurance.
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Full casco (all-risk)
This is the most extensive cover for old-timer insurance. Everything that is covered under limited hull is covered, but now also all damage to your own old-timer.
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Third-party liability (WA)
The WA-insurance is the basic and cheapest oldtimer insurance. The damage you cause to third parties with your car will be reimbursed, but not the damage to your own car.
reading time 1 minute
Limited cover (WA plus or WA+)
In addition to the third-party insurance, the damage to your own old-timer is now also compensated in the event of fire, theft, storm and broken windows. Damage to your own old-timer which you have caused yourself (for example by a collision) is not compensated on this old-timer insurance.
reading time 1 minute
Full casco (all-risk)
This is the most extensive cover for old-timer insurance. Everything that is covered under limited hull is covered, but now also all damage to your own old-timer.
reading time 1 minute
Frequently asked questions
Calculating your insurance is done in 4 simple steps:
- Fill in your license plate number and personal details.
- Choose your desired coverage: third-party, limited third-party or all-risk
- Information on the use of the car and the driver
- The calculation of the premium is successful
Once you have completed the 4 steps, you can immediately take out insurance for your vintage car. If you do not want to make a decision yet, you can also request a quote or record the calculation.
In principle, road tax is compulsory for all motor vehicles. However, motor vehicles that have been in use for at least 40 years are exempt. In some cases, you pay no or less motor vehicle tax. For buses and trucks, this exemption only applies if you do not use the vehicle for commercial purposes. Read more about road tax oldtimer.
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A car can be covered by old-timer insurance when the vehicle AND its use comply with a number of rules. Read more about this>
There are insurers who offer insurance with a so-called winter stop. In that case you are not allowed to drive the car during the winter months. In exchange, you get a discount on the premium. Is there no winter break in the insurance? Then you have the whole year coverage.
If you use the vintage car for speed races, then the vintage car is not insured. But where is the limit? You can participate in a tour without a competition element. In that case, it will usually not be a problem for the vintage car insurance. Also, if the competition element is in the beauty of the car, the insurer will not be difficult about it. To avoid later discussion, it is better to contact the insurer before participating in a tour. With the permission of the insurer, you can be sure that the insurer will not be difficult in case of damage.
Compare vintage car insurance
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:
- The year of construction of the vintage car
- The value of the car
- The love of the regular driver
- The use of the oldtimer: commuting, daily use or just hobby
- How many kilometres per year the old-timer is driven
- The coverage. Third-party insurance is cheaper than All-Risk cover
Getting cheap insurance
With our online tool, you can compare cheap insurance and, if you wish, purchase it immediately. All you need is the license plate number. Then the tool asks some additional data such as:
- The number of claim-free years
- Your age
- Your postal code
Then select the desired coverage and the top 5 of cheapest providers will be shown immediately. Third-party insurance is the cheapest cover for old-timer insurance.
Road tax for old-timers
How does the oldtimer road tax work? When is a car an oldtimer and when do you no longer have to pay road tax for an oldtimer?
Storage clause/Night clause
If your insurance policy 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.
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