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 for hobby purposes. 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!

• Oldtimer acceptance as early as 25 years of age
• Premium payment possible per month
• Premium starting at €6 per month!
• Use 5000 and 7500 kilometers 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

Civil liability (WA)

Third-party insurance is the basic coverage and cheapest old-timer 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 casco (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 hull (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 vintage car: commuting, daily use or only hobby use
5. How many miles per year the vintage car is driven
6. Coverage. Third-party insurance is cheaper than All Risk coverage

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 in 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 fence in front of it or a parking garage that is accessible to several people.

A variation of this clause is that the storage requirement applies only when the vintage car is within a 1-kilometer radius of the home.

Stowage clause varies by company

Not every insurer sets a standard stowage clause. This varies by product, type and value of the vehicle. Therefore, when taking out insurance, always ask if a storage clause applies.