What additional coverages does vintage car insurance have?

You have found the right vintage car insurance. Optionally, you can still opt for additional insurance. Two of them are aimed at paying out after an accident to the occupants of the vintage car and with the third you can claim for legal assistance.

What supplemental insurance policies are there?

Carrying passengers also comes with a responsibility. In the event of an accident, you feel responsible for material damage, but especially if the passengers suffer injury. You can cover this risk with one of the following two additional insurances:

- Accidental occupant insurance
- Passenger indemnity insurance

Participating in traffic can also present legal issues. Choosing legal assistance insurance puts you in a stronger position. This insurance helps you recover damages from the other party, but it also allows you to hold a car dealer or the road authority liable.

Accidental occupant insurance additionally co-insured

An accident can cause serious bodily injury to passengers. An accident can even result in death. With insurance, you cannot prevent the suffering, but you can limit the financial suffering. The accident passenger insurance pays an amount in the event of permanent disability or death of one or more of the passengers. A payment of €5,000 follows in the event of death and €15,000 in the event of permanent disability. For the benefit, it does not matter who is considered responsible for the damage. Benefit also follows for the driver. Even if the accident is the fault of the driver himself.

Indemnity passenger insurance provides broader coverage

Passenger indemnity insurance also pays out in the event of an accidental injury to the passengers or driver. The big difference is that it is not limited to a one-time payout, and a payout does not follow only in case of injury. Passenger indemnity insurance also pays out for property damage from the accident. For example, possessions in a passenger's bag that are damaged. More important is the much broader coverage for injuries. In case of permanent disability, the insurer pays out the actual financial loss. This can run into the hundreds of thousands of euros if the victim can no longer work.

Legal aid co-insurance

In traffic, it's easy to get into a legal dispute. In some cases, the insurer behind the classic car insurance will cover these costs, but not always. Legal expenses insurance also provides coverage if you have a dispute with your garage company over a repair.