Calculate and Purchase Classic Car Insurance

Classic car insurance is only available to a limited group of drivers. Do you want to insure your classic car at an affordable rate? If so, there are a number of conditions that apply. For example, the classic car may only be used for recreational purposes. In addition, you must have another car in addition to the classic car that is used for daily commuting. This can be your own car, but it can also be a leased car or a company car. Furthermore, insurers often impose a maximum number of kilometers per year, usually 5,000 or 7,500 kilometers.

At Alpina, you can insure your classic car as soon as it is 25 years old or older. In some cases, this is even possible starting at 10 years, depending on the make and model. This means Alpina offers more flexibility than many other insurers, which often apply a higher age limit. Other insurers also check whether the make or model appears on the “Priceless Classic” list or whether there is an official club for it. Another criterion may be whether the model is still in production. It’s easy tocalculate the premium for classic car insurance.

Are you eligible for the low-cost insurance? If so, you'll enjoy the benefits listed below!

• Classic cars accepted starting at 25 years old
• Monthly premium payments are available
• Premiums starting at €6 per month!
• Annual mileage of 5,000 and 7,500 kilometers is possible
• It is possible to obtain insurance based on anappraisal report

Do you drive more often, or do you actually use your classic car for everyday use? If so, you can opt for standard auto insurance instead of classic car insurance.

Civil Liability (WA)

Third-party liability insurance is the basic coverage and the most affordable classic car insurance. It covers damage you cause to third parties with your car, but not damage to your own car.

Limited comprehensive coverage (Third-Party Liability Plus or WA+)

In addition to liability insurance, this classic car insurance policy now also covers damage to your own classic car caused by events such as fire, theft, storms, and broken windows. Damage to your own classic car that you caused yourself (for example, in a collision) is not covered under this classic car insurance policy.

Comprehensive (all-risk) coverage

This is the most comprehensive coverage available for classic car insurance. Everything covered under limited comprehensive coverage is reimbursed, but now all damage to your own classic car is also reimbursed.

Do you own a high-value classic car? If so, it’s wise to choose at least limited comprehensive coverage or full coverage. An appraisal report is often required for this, so that the car’s value is clearly established and there is no dispute in the event of a claim.

It’s important to compare classic car insurance policies. A number of factors play a major role in determining the premium—these are known as premium-determining factors. Insurers base the premium on:

1. The year the classic car was built
2. The value of the car
3. The Love of the Regular Driver
4. How the classic car is used: commuting, daily use, or just for fun
5. How many kilometers are driven per year in a classic car
6. Coverage. Liability insurance is cheaper than comprehensive coverage.

In addition to affordable insurance for passenger cars, Alpina also offers classic car insurance for:

Classic Camper Insurance
Classic Truck Insurance
Moped classic vehicle insurance
Classic Motorcycle Insurance

With most classic car insurance policies, you do not accumulate claim-free years. The premium remains a fixed, low rate, regardless of claims. This is possible because usage is limited and strict conditions apply.

Tip: Have you had motorcycle insurance in the past and accumulated claim-free years? If so, you can often carry those over to your classic car insurance and benefit from an additional discount on your premium.

How exactly does theclassic car road taxwork? When is a car considered a classic car, and when are you nolonger requiredto pay road tax on a classic car?

If your insurance policyincludesastorage clause, the classic car must be stored in a locked space between sunset and sunrise. This does not include a carport with a gate in front of it or a parking garage that is accessible to multiple people.

A variation on this clause is that the parking requirement applies only if the classic car is parked within a 1-kilometer radius of the residence.

The storage clause varies by airline

Not every insurer includes a storage clause as standard. This varies depending on the product, type, and value of the vehicle. Therefore, when purchasing insurance, always ask whether a storage clause applies.

Saving money is, of course, a good thing, but make sure you do it the right way. You don’t save money by settling for third-party liability coverage or limited comprehensive coverage. That’s because you’re saving money by compromising on the quality of your insurance. A better approach is to compare different insurers and choose the classic car insurance policy with the most competitive premium. You’ll regret cutting corners on quality when you file a claim.

Example

Your classic car is worth €25,000. You can choose comprehensive classic car insurance with a premium of €44 per month. You can save more than €30 per month by insuring your classic car with third-party liability coverage instead of comprehensive coverage. The annual savings amount to €360.

Suppose you cause a collision due to a minor driving error. The damage to your car amounts to €7,500. This damage is not covered by liability insurance, but it is covered by comprehensive classic car insurance. In this example, therefore, choosing which insurance to get is not a difficult decision.

An accident can cause passengers to suffer serious physical injuries. An accident can even result in death. Insurance can’t prevent the suffering, but it can help limit the financial hardship.

Passenger accident insurance pays out a sum in the event of permanent disability or death of one or more passengers. In the event of death, a benefit of €5,000 is paid, and in the event of permanent disability, a benefit of €15,000 is paid.

For the purpose of the payout, it makes no difference who is deemed responsible for the damage. The driver will also receive a payout, even if the accident was the driver’s own fault.

Passenger injury insurance also provides coverage for injuries sustained by passengers or the driver in an accident. The main difference is that it is not limited to a one-time payment, and coverage is not limited to injuries alone. Passenger injury insurance also provides coverage for property damage resulting from the accident.

For example, belongings in a passenger’s bag that are damaged. More importantly, the coverage for personal injury is much more comprehensive. In the event of permanent disability, the insurer pays out the actual financial loss. This can amount to hundreds of thousands of euros if the victim is no longer able to work.

It’s easy to end up in a legal dispute while driving. In some cases, the insurer providing classic car insurance will cover these costs, but not always. Legal expense insurance also provides coverage if you have a dispute with your auto repair shop over a repair.

• The organizer must register the event with the Tax Authority.
• You may participate in up to 4 events per calendar year.
• You may use this provision for a total of 6 to 8 days per calendar year (varies according to the Tax Authority’s guidelines). The trip to and from the event also counts as a day of use.
• Your classic car must be insured.
• You may only use the car in connection with the event.

Please note: This rule does not apply to private events, such as a wedding or anniversary.

Are you planning to buy a classic car sometime this year? If so, you’ll need to take into account the number of days and events the previous owner has already used. For example, if the previous owner has already used the allowance for 2 days, you’ll only have the remaining days left to use.

The regulation applies to special occasions during which classic cars are displayed to the public, such as:

• Commemorations
• (Flower) parades
• Club Days for Classic Car Clubs

Even if your classic car's license plate has been suspended, the car must be insured while participating in an event.

Did you suspend the insurance yourself? If so, you'll need to temporarily reactivate it. Keep in mind that the insurer may charge a policy fee for this, and that you'll need to suspend the insurance again once the temporary reactivation period ends.

An APK inspection is not required, but the car must be APK-compliant.

When an organizer announces that the event regulations apply to an event, be sure to register your classic car with the organizer in a timely manner. During the event, you do not need to have a separate proof of participation in the car.

If you end up not attending the event, the organizer must deregister your car with the Tax Authority no later than 1 business day before the event. Otherwise, that day will still count toward your annual limit.

Organizers must register their event with the Tax Authority no later than 2 months in advance. They will receive written notification as to whether participants are eligible for the program.

In addition, the organizer must send a list of suspended vehicles to the Tax Authority no later than 1 business day before the event. No separate confirmation will be sent for this.

The request must be sent by mail to:
Tax and Customs Administration/Central Administrative Processes
Requests Team
P.O. Box 9047
7300 GJ Apeldoorn