Auto • Classic car • Verzekeren
Classic car insurance – insured on value, with attention to storage and use
A Classic car (klassieke auto) vraagt vaak om een andere verzekeringskeuze dan een gewone Car insurance. De waarde is geregeld hoger dan de standaard dagwaarde-inschatting en het gebruik is vaak hobby or limited. Met A goede classic car insurance choose suitable coverage and clear conditions stable, kilometers and appraisal value.
Op deze pagina leest u hoe u WA/WA+ of Allrisk vergelijkt, wanneer taxatie zinvol is, wat veelvoorkomende voorwaarden zijn (bijvoorbeeld gebruiksbeperkingen) en hoe u onderInsurance en waardediscussies voorkomt.
Classic car insurance in brief
U kiest een dekking (WA, WA limited Casco/WA+ of Allrisk) en legt vast op welke basis schade wordt uitgekeerd (vaak appraisal value of een andere Value basis, polisafhankelijk). Daarnaast gelden regelmatig voorwaarden over stable and limited use.
When is which coverage appropriate?
- WA: minimum required; often at a lower value or when you accept your own damage.
- WA+ (Limited Airframe): extra coverage for, among other things, theft/fire/storm (depending on the policy).
- All risk: most extensive; often also damage due to your own fault (depending on the policy).
Premium and acceptance depend on the car, driver, storage, use and claim-free years.
What is classic car insurance?
For classics and enthusiast cars
A classic car insurance is een Car insurance die is ingericht op klassieke auto’s. Vaak ligt de nadruk op verzekeren op value, limited use and appropriate conditions for storage and security.
Why not “just” car insurance?
Bij oldtimers kan de marktwaarde afwijken van standaard dagwaardetabellen. Ook rijden eigenaren vaak minder kilometers en stallen de auto veilig. Een classic car insurance kan daar beter op aansluiten (polisafhankelijk).
Coverage: WA, WA Limited Casco (WA+) and Allrisk
WA (Third Party Liability)
- damage you cause to others with your car;
- mandatory for every vehicle on the road;
- no coverage for your own car damage.
WA+ / Limited Casco
- Third party liability + additional comprehensive cover (policy dependent);
- often including theft, fire, storm/hail, window (depending on the policy);
- logical with a higher value or risk of theft.
All-risk / Complete Casco
- most comprehensive coverage (policy dependent);
- often also damage due to your own fault;
- interesting with a higher (appraisal) value.
Classic car insurance comparison checklist
| Point of comparison | Why important | What to pay attention to |
|---|---|---|
| Value basis | Payment in case of theft/total loss | Current value vs appraised value, appraisal validity (policy dependent). |
| Terms of Use | Classic car products sometimes have restrictions | Mileage limit, hobby use, commuting (policy dependent). |
| stable | Influences risk, premium and acceptance | Garage/lockable space, location requirements (policy dependent). |
| Own risk | Personal contribution in case of damage | Varies per damage (collision/window damage) and insurer. |
| Parts & repair | Damage repair can be specialist | Optional repairer, specialist garage, parts supply (policy dependent). |
Always check the policy conditions; classic car concepts differ greatly per provider.
Appraised value: certainty about the value of your classic car
Why valuation is relevant
De waarde van een Classic car hangt sterk af van staat, originaliteit, onderhoud, restauratie en zeldzaamheid. Met een valuation report onderbouwt u de value. Veel verzekeraars hanteren een maximale geldigheidsduur of periodieke her-taxatie (polisafhankelijk).
What to look for when appraising
- Is appraisal accepted and under what requirements (appraiser/format)?
- How long is the valuation report valid?
- what happens if value increases after restoration or upgrades?
- Are accessories and extra parts included in the value?
Storage and use: common conditions
stable
- garage or lockable space (often beneficial);
- security may be required (policy dependent);
- location and risk area can have an influence.
limited use
- kilometer limit (if applicable);
- hobby use or events;
- commuting sometimes limited (policy dependent).
Multiple cars in household
- classic car can be requested as a second car;
- drivers and age limits can play;
- Always specify usage and drivers correctly.
Theft and security: prevent discussion in the event of damage
Theft risk with classics
Classic cars kunnen aantrekkelijk zijn voor diefstal, onderdelenhandel of export. Daarom zijn stalling en beveiliging vaak belangrijke onderdelen van acceptatie en premie.
Practical tips
- preferably store the car indoors and locked;
- use appropriate security (lock/alarm system, policy dependent);
- store keys carefully and follow key clauses;
- take photos of unique features, chassis number and condition.
Damage repair for vintage cars: specialist and value-sensitive
Why recovery is different
Onderdelen kunnen schaars zijn en plaatwerk/lakwerk vraagt vaak specialistische kennis. Herstelkeuze (vrije garage of netwerkhersteller) kan daarom een belangrijk Point of comparison zijn.
What to look out for in the policy (policy dependent)
- Can you go to a specialist or does the insurer have a repair network?
- How is a total loss assessed for classics?
- is depreciation or “matching numbers” included?
What does the premium depend on?
Car & value
- make/model, version and (appraisal) value;
- theft risk and parts value;
- coverage level (WA/WA+/Allrisk).
Director
- age and driving experience;
- claim-free years/no-claim;
- driver's circle (who drives it?).
Use & storage
- mileage and use type;
- storage (garage/closed);
- zip code/risk area.
Step-by-step plan: choose classic car insurance
1) Value and documentation
- determine current value versus appraised value;
- substantiate maintenance/restoration;
- Note down accessories and extra parts.
2) Record storage and use
- garage/lockable shed?
- mileage and use (hobby/rides);
- drivers and age requirements.
3) Choose coverage
Choose WA, WA+ or Allrisk based on value, theft risk and risk acceptance.
4) Compare terms
Compare appraisal terms, repair options, deductibles and usage restrictions.
5) Keep policy up to date
Report increases in value, restoration or changing use in a timely manner to ensure appropriate coverage.
Checklist: this is how you prevent underinsurance and surprises
1) Value
- Valuation report available/needed?
- Validity of valuation known?
- restoration and invoices kept?
2) Use & storage
- kilometer limit/usage requirements check;
- storage meets requirements;
- drivers correctly specified.
3) Policy conditions
- deductible acceptable;
- theft and key clauses clear;
- recovery choice suits classic.
Frequently asked questions about classic car insurance
When is a car a classic car?
In practice, “oldtimer” is used for classic cars with enthusiast value. The exact conditions (age/limit) may differ per insurer and product.
Is a valuation report mandatory?
Not always. If the value is higher or if you want certainty about the payment in the event of theft/total loss, a valuation is often wise. Many insurers apply requirements and a validity period (depending on the policy).
Can I drive daily with classic car insurance?
This varies per product. Some classic car policies have usage restrictions or mileage limits. If you drive intensively, regular car insurance may be a better fit.
What coverage usually makes sense for a classic?
At a lower value, WA may be sufficient. With a higher value or risk of theft, WA+ or Allrisk often makes sense. The best choice depends on value, storage, use and premium difference.
How does payment work in the event of total loss or theft?
That depends on the policy. Sometimes current value applies, sometimes appraisal value (with valid appraisal report). Check the basis of value and conditions in advance.
Does storage affect the premium?
Yes, often. Storage in a closed garage reduces the risk and can have a positive effect on premium and acceptance, depending on the insurer and product.
Can I have damage repairs carried out by a specialist?
Not always standard. Some insurers work with recovery networks; others give more freedom of choice. Check this explicitly if specialist recovery is important to you.
How quickly can I compare and close?
You will quickly get an indication via the comparison page. Final acceptance and conditions depend on the car, use and insurer.
Insure a classic car? Start comparing
Vergelijk dekkingen en Conditions en kies een polis die past bij de waarde en het gebruik van uw klassieker. Wilt u extra zekerheid? Neem taxatie en stallingsinformatie mee.
Would you prefer personal advice? Call 072 – 509 24 56 or email to info@finassverzekert.nl.
