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Old-timer insurance: what should you take into account?

Oldtimer insurance
ER Classics Desktop 2022

If you want to take out a vintage car insurance policy, your car must meet special conditions. It is possible to take out a normal insurance policy for your old-timer, but this is often a lot less advantageous. This is what you should pay attention to when taking out car insurance for your classic car.

Old-timer insurance or normal car insurance

It is advisable to take out a special old-timer fuse for an old-timer. Why? With normal car insurance, the current value or replacement value of the car is considered. With an old-timer you cannot determine in this way what the car is really worth. The appraisal value of the car must be considered. And this is only taken into account if you take out a vintage car insurance policy. And nicely included: such an old-timer insurance is often a lot cheaper than a normal car insurance policy.


Premium old-time insurance

The amount of the premium for a vintage car insurance policy depends on the age and the appraisal value of your car. Often the following applies: the higher the age and value of the old-timer, the more premium you pay. You can often get an 5 to 10 percent premium discount if you join an old-timer association that is a member of the Historical Automobile and Motorcycle Club Federation (FEHAC).

WA, limited airframe and all-risk

Just like with normal car insurance, with an old-timer insurance you can choose from WA, limited-car insurance and all-risk. You can also take out additional insurance policies for, for example, legal assistance or damage to passengers. Do you only want to take out liability insurance? Then it does not matter whether you take out a vintage car insurance policy or a normal car insurance policy. With this insurance, damage to your own car is not reimbursed.

Only insured in the summer

Do you only use your classic car in the summer to keep it in the best possible condition? Then you can also choose to take out classic car insurance for only a few months of the year, so that you do not have to pay a premium in the winter and autumn - when your car is stationary. You have the license plate of your oldtimer temporarily suspended, indicating to the insurer and the RDW that your oldtimer will be stationary during this period and you will not be on the road. This is possible with most classic car insurers. You can request information for this from the insurer.

Classic car damage

If you drive damage, with an old-timer insurance you will only be reimbursed for the damage based on the appraisal value. This value must be determined every three years by an appraiser. When claiming damage you pay a deductible of 0, 100 or 150 euros. You can sometimes redeem this deductible by paying a higher premium. With an old-timer insurance you do not build up claim-free years. After claiming damage, the premium for your car insurance remains the same. On the other hand, you also do not accrue a no-claim discount if you do not drive a claim. If someone else causes damage to your car, you can recover the damage from the third-party liability insurance.

Conditions for old-timer insurance

There are a number of conditions that you must meet if you want to take out an old-timer insurance policy. For example, you must be a member of the FEHAC. In addition, you are often not allowed to drive more than 5.000 à 7.500 kilometers per year. Furthermore, the conditions differ per vintage car insurance policy. Often the age of the driver and the use of the old-timer are considered. There is also often a maximum weight for the car, your car must have a minimum appraisal value and your car must be of a certain brand. If you and your old-timer are not eligible for an old-timer insurance, you can take a normal one Compare car insurance and exit.

Is your car seen as an old-timer?

One of the conditions for an old-timer insurance is that your car has a minimum age. But after how many years is your car seen as an old-timer? That differs per insurer. Some insurers already charge a car from 12 to 15 years as an old-timer. With other insurers, a car is only considered an old-timer after 20 or 25 years.

Oldtimer road tax

You often do not have to pay a road tax for an old-timer. For the road tax, the age limit for a vintage car is a lot stricter than for a vintage car insurance policy. Until 2012, a car from the age of 25 was defined as an old-timer, but now a car must be at least 40 to be considered an old-timer. Old-timers that were already older than 2012 in 25 and are not yet 40 years, fall under a transitional arrangement, which means that a maximum of one quarter of the applicable MRB must be paid. However, there are various conditions attached to this, such as the 'piling up obligation' in the winter. However, this transitional arrangement does not apply to cars that run on diesel or LPG.

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