All risk vintage car insurance
Of course you want to insure your precious oldtimer, in which you have invested a lot of time and money, as well as possible. The all-risk old-timer insurance is the most comprehensive insurance. Even in an accident caused by you, the insurer will pay for the damage of the other party and your own damage. Compare several insurers for the best and cheapest oldtimer insurance.
What can you expect from the all-risk classic car insurance?
Insuring your old-timer is mandatory. You can go for the cheapest insurance. With WA old-timer insurance, you meet your obligations, but in the event of damage it turns out that it is only a limited insurance. The damage to your own old-timer is your own responsibility. The all-risk insurance pays out if your car is damaged in an accident, vandalism or broken window, for example. But there is also a payment for theft and damage caused by an unknown perpetrator. This insurance is also known as WA-cascade or All Risk.
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
How do I determine the value of my old-timer?
When it comes to car insurance, insurers take the catalogue value of the car as their starting point. This is the value of the vehicle at the time it leaves the factory. This value is of no use to you for old-timer insurance. What matters is the current value of the car. This is determined by an appraiser. Knowledge of the business is necessary to be able to estimate the value. The advantage of this is that in case of damage, there is no discussion about the value on which it is based. It remains a snapshot. That is why the insurance company will ask for a new valuation after some years.
Save money by insuring your oldtimer on a smaller scale
Saving is of course good, but do it in the right way. You don't save money by settling for third-party or limited third-party insurance. That is saving by compromising on the quality of the insurance. A better way is to compare the different insurers and choose the oldtimer insurance with the best premium. Saving on quality is something you will regret in case of damage.
Example
Your oldtimer has a value of €25,000. You can choose for the all-risk oldtimer insurance with a premium of €44 per month. You can save more than €30 per month by insuring your oldtimer WA instead of all risk. The annual saving is €360. Suppose you make a steering error and cause a collision. The damage to your car amounts to €7,500. This damage will not be paid for with the third-party insurance, but with the all-risk old-timer insurance. In this example, it is not a difficult consideration which insurance to choose.
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