Home Oldtimer insurance Additions to Oldtimer Insurance

Supplements to Oldtimer Insurance

In addition to old-timer insurance, you can choose for additional insurances. Which ones can you choose and what is their function? Not all supplements are always advisable. You should also avoid having double insurances. Only take out additional cover for your classic car insurance if it really adds value.

Insuring yourself and the passengers

In the oldtimer insurance, you insure the liability for damage caused with the oldtimer. If necessary, you can also insure damage to your own old-timer. There are two additional insurances to ease the financial burden for yourself and the passengers in case of an accident.

Accident insurance

An accident can cause serious injury or death. The accident passenger insurance provides a one-off payment in the event of personal injury. This is a payment in the event of permanent disability and death of the driver and/or passengers. You can partly determine the amount yourself. In case of invalidity the payment is not sufficient to cover the loss of income caused by the invalidity. Most policies provide a payment of between ten thousand and about one hundred thousand euros, and a lower amount is insured in the event of death. In principle, you can determine the number of persons you want to insure. Click here for more information.

The passenger indemnity insurance

This insurance is more expensive than the accidental occupant insurance, but the coverage is also much broader. In addition to payment for personal injury, this insurance also pays out for material damage resulting from an accident. For example, there is coverage for damage to the belongings of passengers. As far as personal injury is concerned, the passenger indemnity insurance is also much broader. Both the driver and the passengers are paid for the actual damage suffered. Suppose a passenger becomes disabled due to an accident with the old-timer. The passenger indemnity insurance provides a payment whereby the injured party is fully compensated. This can amount to hundreds of thousands of euros in the case of permanent disability.

Legal expenses insurance

In some situations, you have to submit your claim to the person who caused the damage. Normally, this is not necessary with the most extensive WA casco insurance. The insurer will, in fact, already pay out for the damage to your old-timer. If your old-timer has WA or WA limited hull insurance, the recovery of your damage from the other party is not insured. For this you can take out legal assistance insurance. After damage, the insurer will take care of recovering your damage.

Legal expenses insurance for motor vehicles

This insurance also provides for the recovery of damage from the person who caused the damage, but the cover is broader than that of the recourse legal assistance insurance. You can also call in the insurance for a dispute with an old-timer dealer, for example. Or with the garage because there is an issue about the repair costs. You can even call upon this insurance for legal assistance for criminal prosecution following an accident. There may be specific requirements for using the legal assistance insurance for motor vehicles.