What is covered under limited hull coverage in vintage car insurance
Do you think the All Risk is too expensive and the coverage of the WA oldtimer insurance is too limited? Then choose the middle way, namely WA limited casco. With this type of insurance you will still get a payment in case of damage due to certain causes to repair the damage to your own old-timer.
Why choose WA limited hull insurance?
The major disadvantage of WA old-timer insurance is that you can never claim damage to your old-timer on your own insurance. The WA limited casco can be seen as the WA-insurance with a number of added covers. This type of insurance does not cover damage caused by collision or vandalism, but it does cover damage caused by the following, for example:
- Window breakage
- Theft or attempted theft
- Hail and storm damage
- Collision with stray animals
- Lightning damage
- Fire and explosion
Third-party liability (mandatory)
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
WA limited casco
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
All-Risk (WA+Casco)
- Damage to others
- Theft, joyriding and loss
- Windscreen damage
- Damage by fire or natural disaster
- Own damage caused by a collision
When is third-party limited hull insurance the best choice?
The best cover is the all-risk old-timer insurance. But the disadvantage is that the premium is also much higher than for WA limited casco. It is a matter of calculation, comparison and weighing up how much you want to pay for the insurance. In fact it comes down to choosing WA limited casco when you think the all risk oldtimer insurance is too expensive.
What do you pay for WA limited casco oldtimer insurance?
You can call any insurer for insurance. There is a big chance that you will call an insurer who wants to give you a big premium. That is why we advise you to find the best and cheapest old-timer insurance by using our comparison tool. The differences in premium are big. Especially for the old-timers with a high value, the difference in premium for WA limited casco can run into the hundreds of euros.
When comparing them , you can also check what the all-risk insurance costs. If the difference is small, you can still opt for the more comprehensive old-timer insurance.
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