How do you take out vintage car insurance?
For the road tax, there are changes aimed at oldtimers. For oldtimer insurance, these changes do not apply. The tax authorities and insurers apply their own rules and conditions. The tricky thing is that the rules and conditions also differ from one insurer to another. How do you find out if your car qualifies for oldtimer insurance?
Vintage car insurance is cheaper compared to insurance for a regular car. You therefore benefit from having your car designated as a vintage car. Insurers know this too, so they guard the boundaries between regular car insurance and vintage car insurance well. The conditions insurers set vary widely. Some common requirements for insuring a car as a vintage car are:
- For daily use, you also have a car
- The vintage car is driven only a maximum number of kilometers per year (for example, 5,000 or 7,500 kilometers per year)
- For the WA hull car insurance, the car must be appraised
- The make and type must be recognized by the insurer as a vintage car
- The car is at least, say, 20 or 25 years old
How do you insure a vintage car?
Most insurers offer two forms of insurance for the vintage car, WA and WA casco. The WA covers damages to others caused by the vintage car. By law, this coverage must be taken out by the owner of the motor vehicle. The WA casco also provides coverage against damage to your vintage car. Does the car have a high value? Opting for the WA casco oldtimer insurance is the most logical choice. For cars with only a low value, choose the WA insurance. Above all, do not save on the quality of the insurance, but compare several insurers for a cheap and good vintage car insurance.
Not just cars you insure on vintage car insurance
For example, you can also insure a motorcycle or a moped on a vintage car insurance policy. The moped must be at least 20 years old, and you may drive a maximum of 7,500 kilometers per year with the moped. Also for the motorcycle, of course, the vehicle is intended for recreational use. So you also own a motor vehicle for daily use.
How do you find out which insurer to go to?
This seems like a complicated figuring-out job, but it's not so bad. At Alpina.nl you can compare various old-timer insurance policies within minutes. All you have to do is enter the license plate number and some additional information. Does your car not meet the conditions for oldtimer insurance? No problem. In that case, you can also count on a low premium.
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