Your Classic Insured With Care
A classic insurance has been specially developed for classic cars that are used as a hobby. Unlike regular car insurance, your classic car is insured appraisal value – not the current value.
Since the Heritage Act 2016 classic vehicles have a protected status as mobile heritage. The FEHAC (Federation of Historical Automobile and Motorcycle Clubs) has drawn up 10 requirements that good classic car insurance must meet.
The premium for classic insurance is often economical because you drive fewer kilometers and maintain your vehicle well. You do not accrue claim-free years, but you also receive them no premium increase after damage. Premiums start from €38 per year for WA.
Oldtimer, Youngtimer or Classic?
The definition of a classic varies per instance:
Classic car
25+ years (insurers) or 40+ years (MRB)
True classics for hobby use. Full MRB exemption for 40+ years. FEHAC appraisal required for airframe.
Youngtimer
15-25 years
Upcoming classics that aren't old enough yet. Some insurers offer special youngtimer policies.
Classic Car
Special & popular
Sporty or special cars that increase in value. Replacement value insurance possible with some insurers.
What Coverage for Your Classic?
Three levels of coverage available:
WA (Basic)
From €38/year
Legally required coverage for damage to others. No valuation report required.
- ✓ Damage to third parties covered
- ✓ No appraisal necessary
- ✓ Lowest premium
WA + Limited Casco
From €100/year
Extra coverage for fire, theft, storm and window damage. Valuation report required.
- ✓ Fire & theft covered
- ✓ Window damage & storm
- ✓ FEHAC appraisal required
WA + Full Casco
From €200/year
Most comprehensive coverage, even if it is your own fault. All risk on appraised value.
- ✓ All damage covered
- ✓ Appraised value of benefit
- ✓ Own debt covered
🏆 FEHAC: 10 Requirements for Good Classic Car Insurance
The Federation of Historical Automobile and Motorcycle Clubs has drawn up 10 basic requirements. Insurance companies that meet this requirement receive the designation 'FEHAC approved classic car insurance'.
📋 Valuation report: Why & How?
For comprehensive coverage (WA+ or Allrisk) is a FEHAC-approved valuation report verplicht. Bij schade krijgt u de getaxeerde waarde uitgekeerd – not the current value. Zonder taxatie wordt uw klassieker als "oud ijzer" gezien.
The report is allowed maximum 3 years old and must be drawn up by a recognized appraiser. Revaluation is important: values can increase!
🏛️ Road tax (MRB) Vintage cars 2025
40 years and older: Full MRB exemption. Automatically, no application required.
26-40 years (petrol, before 1988): Transitional arrangement quarter rate (max. €158/year). Condition: do not drive in December, January, February.
Diesel/LPG up to 40 years: No transitional arrangement, full rate.
💰 Premium indication Classic 2025
Average annual premium based on appraised value:
| appraisal value | WA | WA+ | All risk |
|---|---|---|---|
| €5,000 - €15,000 | €38-€60 | €100-€150 | €200-€300 |
| €15,000 - €30,000 | €50-€80 | €150-€250 | €300-€400 |
| €30,000 - €50,000 | €70-€100 | €250-€350 | €400-€550 |
| €50,000 - €100,000 | €90-€130 | €350-€500 | €550-€800 |
| €100,000+ | On request | On request | On request |
📊 Classics in the Netherlands
⚠️ Please note: Exclusions & Conditions
Most classic car insurance policies have conditions: hobby use (not daily commuting), maximum mileage (often 5,000-10,000 km/year), closed storage at night, minimum age driver (often 24-25 years). Rental, driving lessons and transport for a fee are excluded. Rallies and tours are often covered, provided there is no speed element.
🔧 Benefits of Classic Insurance
- ✓ Appraised value: In the event of damage, the appraised value will be reimbursed, not the current value
- ✓ No claim-free years: Premium regardless of claims history
- ✓ No premium increase: After damage, the premium remains the same
- ✓ Affordable premium: Lower due to limited use
- ✓ Restoration covered: Also insured during work
- ✓ Free repairer: Choose your specialist yourself
- ✓ Retention of remains: Keep your car in the event of a total loss
Specialized Classic Insurers
Insurers with FEHAC-approved classic car insurance policies:
💡 Tips for Classic Owners
- ✓ Valuate on time: Have your classic car revalued every 3 years
- ✓ FEHAC appraiser: Choose a certified appraiser for acceptance
- ✓ Check the 10 requirements: Compare policies based on FEHAC criteria
- ✓ Winter break: Consider summer time discount (up to 25%)
- ✓ Club membership: FEHAC members often receive a 10% discount
- ✓ Document: Save maintenance history and photos
🚗 Popular Classic Brands
📍 MOT Inspection Classics
- → 50+ years: Exempt from MOT since 2021
- → 30-50 years: MOT every 2 years
- → Under 30 years: Annual MOT
- → Diesel up to 50 years: Annual MOT mandatory
