Where may I use my vintage car according to vintage car insurance?
You can insure your vintage car cheaply on a special vintage car insurance policy, but keep in mind the conditions set by insurers. You are in charge of your car, but in some cases vintage car insurance is not the most appropriate insurance for a vintage car.
The first question, of course, is, "When is a car old enough to insure on vintage car insurance? The requirements vary from insurer to insurer, yet there is a line in it. Just assume that the car must be at least 20 years old, but there are often more conditions. For example, insurers may also require that the car type is no longer in production or that it has a marque club. Insurers also often set a maximum number of miles you can drive the car during a year. This is because the premium is based on recreational use.
Not only cars are classified as vintage cars
For example, you can also insure a motorcycle, moped or motorhome as a vintage car. Even for a vintage truck there are options. Even if you doubt whether your motor vehicle is considered an oldtimer, you can make a comparison on Alpina.nl. Fail on oldtimer insurance? No problem, we will still find the most suitable insurance at an attractive premium.
Does vintage car insurance not provide coverage for commuting?
Some insurers explicitly exclude using the vintage car for commuting. Other insurers have not literally included this in the terms and conditions, but do state that you may drive a maximum of 5,000 or 8,000 kilometers per year with the car. Therefore, if it is not literally excluded in the policy terms and conditions, the vintage car insurance simply provides coverage.
Does classic car insurance provide coverage for touring?
Using the car for speed races is not insured. But where is the limit? You can participate in a tour without a competition element. In that case, it will usually not be a problem for the vintage car insurance. Also, if the competition element is in the beauty of the car, the insurer will not be difficult about it. To avoid later discussion, it is better to contact the insurer before participating in a tour. With permission from the insurer, you can be sure that the insurer will not be difficult in case of damage.
Does classic car insurance also provide coverage during the winter months?
There are insurers who offer insurance with a so-called winter break. In this case, you are not allowed to drive the car during the winter months. In exchange, you get a discount on the premium. Is there no winter break in the insurance? Then you have year-round coverage.
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