WA vintage car insurance
The owner of a vintage car is required to take out at least the WA vintage car insurance. This oldtimer insurance provides coverage against damage for which the owner of the car is liable. Of the three forms of insurance, this is the cheapest variant.
When insuring a vintage car, the coverage chosen often depends largely on the premiums charged by insurers. Therefore, it is important to compare vintage car insurance carefully. This is because the premium differences between the various insurers are large.
What coverage does WA vintage car insurance provide?
According to the Motor Insurance Liability Act, the owner of a vintage car is at least required to take out this third-party insurance. For damage caused by liability there is a maximum amount of €6,070,000 for personal injury and €2,500,000 for material damage. These seem like exaggerated insured amounts, but make no mistake about how much damage can be caused by an accident. If several people involved become incapacitated, the material damage can easily run into millions of euros.
WA (mandatory)
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
WA limited casco
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
All-Risk (WA+Casco).
- Damage to others
- Theft, joyriding and missing.
- Window damage
- Damage caused by fire or natural disasters
- Own damage from a collision
Aggrieved party can claim directly from your insurer
Damage caused with your vintage car gives the injured party the right to turn directly to your insurer with a claim. Your insurer can thus be held directly liable for damages. Your insurer in that case receives a liability claim from the other party. Of course, the insurer is going to ask you to fill out a claim form.
Own damage you cannot claim
The insurance pays only for damage to others and to other people's property. Damage to your own car cannot be claimed from your insurer. You can hold the other party liable for damage caused by someone else to your car. Your insurer is not a party to this. Damages such as broken windows, theft and storm damage are not insured. The limited liability insurance does offer coverage for this. Own damage caused by an accident is also not insured. You do have coverage if you choose the all risk old-timer insurance, but the premium for this coverage is of course also higher.
When is WA vintage car insurance the best choice?
Third-party insurance is the most limited form of insurance. For a vintage car with a high value, this is not the best choice. In an accident caused by your fault, the value of the oldtimer can drop to the scrap value at once. You can overcome this with the all risk oldtimer insurance. Is the premium too high? An alternative is the WA limited casco. In case of a collision due to your fault, you will not get your own damages paid out, but in case of certain causes a payment will follow. Think of damage by fire and theft.
It is a matter of comparing and choosing the most comprehensive coverage where the premium is still at a reasonable level.
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