Do you need vintage car insurance for recreational use?
When the sun starts shining again, you will see classic cars on the streets again. There is nothing like enjoying your classic car in nice weather. Oldtimers are often worth a lot of money. And parts are harder to get than those of newer models. That's why you want to be well insured when you suffer damage. That's why you should choose classic car insurance. Even for recreational use only. To take out vintage car insurance, your car must meet a number of conditions.
Do you want to take out vintage car insurance, but don't know what your vintage car needs to meet? Or do you want to know what is the best insurance for you? Then read on, because Alpina explains it for you.
What do you need to meet before you can get vintage car insurance?
Before a vintage car is truly a vintage car, a number of conditions must be met.
Hobby use only
Your intention is to use your vintage car for hobby purposes only . So you can use your vintage car just fine in the summer months, with good weather. But you are not supposed to use your vintage car for daily use all year round, or part of the year. Taking the classic car to work once in a while is not a bad thing, but this should not last for weeks or months at a time.
25 years and older
To qualify for vintage car insurance, however, your vintage car must be 25 years old or older. The 25-year-old age is the lower limit here. Is your car 24 years and 9 months old? Then you cannot get oldtimer insurance.
Your vintage car insurance coverage
WA (mandatory)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
WA limited casco
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All-Risk (WA+Casco).
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Up to a certain number of kilometers
When you want to buy vintage car insurance, you generally cannot drive more than a certain number of miles. Often you can get insurance up to 5000 or 7500 kilometers. This is also the reason why you can only use your vintage car as a hobby. When you drive more than this number of kilometers, the insurer has the right not to pay out in case of damage.
Need an old-timer insurance? Calculate your premium!
What is the best type of insurance for your vintage car?
The higher the value of your vintage car, the wiser it is to take out somewhat more comprehensive insurance. You are of course legally obliged to take out third-party insurance. But perhaps your vintage car is worth tens of thousands of euros or even a few tons. In that case, it is best to take out All-Risk insurance. Then you get in an accident, namely also the damage to your own vintage car reimbursed.
Get your vintage car insurance through Alpina
Are you considering insurance for your vintage car? Then take it out now through Alpina! Do you still have doubts or questions about our insurance for vintage cars? Feel free to contact our customer service. They are ready to answer all your questions.
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