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Where may I use my vintage car according to vintage car insurance?

You can insure your oldtimer cheaply on a special oldtimer insurance, but keep in mind the conditions that insurers set. You are in charge of your car, but in some cases a classic car insurance is not the most suitable insurance for a classic car.

The first question is of course: 'When is a car old enough to be insured on a classic car insurance?'. The requirements differ per insurer, but there is a common thread. You can assume that the car has to be at least 20 years old, but there are often more conditions. Insurers may also demand that the car type is no longer in production or that a brand club has been established for it. Insurers also often stipulate a maximum number of kilometres that you can drive with the car during one year. The premium is based on recreational use.

Not only cars are considered old-timers

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 are unsure whether your motor vehicle is considered an oldtimer, you can do the comparison at Alpina.nl. Fail on oldtimer insurance? No problem, we will still find the most suitable insurance at an attractive premium.

what may i use oldtimer for

Does the classic car insurance not cover commuting?

Some insurers explicitly exclude the use of the old-timer for commuting. Other insurers have not included this literally in the conditions, but do indicate that you may drive a maximum of 5,000 or 8,000 kilometres per year with the car. If it is not literally excluded in the policy conditions, the old-timer insurance simply provides coverage.

Does the classic car insurance cover touring?

Using the car for speed competitions is not insured. But where is the boundary? You can participate in a tour without an element of competition. In that case, it will usually not be a problem for the old-timer insurance. Even if the competition element is the beauty of the car, the insurer will not have a problem with it. In order to avoid later discussions, it is better to contact the insurer first before you join a tour. With the permission of the insurer, you can be sure that the insurer will not be difficult in case of damage.

Does the classic car insurance also cover the winter months?

There are insurers who offer insurance with a so-called winter stop. In that 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 the whole year coverage.

Calculate the premium of your oldtimer insurance directly!

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  • To calculate premiums, we need the zip code of the primary driver. For private use, the youngest driver must reside at the same address as the applicant. In case of business use, you can enter the postal code of the company here.

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