Business Youngtimer Insurance To compare
Do you drive a car that is 15 to 25 years old for business? Take advantage of tax benefits with a low addition to the current value. Insure your youngtimer at current value or appraised value with special rates.
🚗 Premium indication 2025
What is a youngtimer?
A Youngtimer is a car between the 15 and 25 years old. It is an 'upcoming classic' or semi-oldtimer that is often still suitable for daily use.
Once the car 25 years old is, it officially becomes one classic car with even more benefits such as a lower road tax rate.
Many car enthusiasts choose a youngtimer like hobby car or business car. The car has often been written off but still has character and style.
Immediately youngtimer insurance you benefit from special rates and can buy the car for free appraisal value insurance.
Tax Benefits Business Youngtimer
As an entrepreneur you benefit from this attractive tax benefits for a car older than 15 years. The addition is calculated over the current value instead of the catalog value.
Example: A youngtimer with a current value of €8,000 gives only €233/month additional tax (35% x €8,000 / 12), while a new car of €40,000 costs no less than €733/month (22% x €40,000 / 12).
Youngtimer vs. Classic car
What is the difference between a youngtimer and an oldtimer?
🚗 Youngtimer (15-25 years)
Semi-classic, upcoming classic car. Often still suitable for daily use.
- ✓ Car between 15 and 25 years old
- ✓ Lower premium than regular car
- ✓ Insure against current value or appraised value
- ✓ Business: 35% addition on current value
- ✓ Normal road tax
- ✓ Suitable for daily use
- ✓ MOT: annually (or every 2 years > 30 years)
🏆 Classic car (25+ years)
Official classic. Additional benefits in terms of tax and insurance.
- ✓ Car 25 years or older
- ✓ Very low premium (hobby car)
- ✓ Always insure at appraised value
- ✓ Quarter rate road tax (winter break)
- ✓ 40+ years: road tax exemption
- ✓ Hobby use only
- ✓ MOT: 2 years (50+: exempt)
What Coverage for Your Youngtimer?
Choose the coverage that suits the value of your classic car.
WA (Third Party Liability)
Mandatory basic coverage. Only harm to others.
- ✓ Damage to others covered
- ✓ Personal injury to others
- ✓ Lowest premium
- ✗ Damage to your own car is not covered
- ✗ Theft not covered
WA + Limited Casco
Third party liability plus damage that you cannot do anything about.
- ✓ Everything from WA
- ✓ Fire & theft
- ✓ Storm & hail
- ✓ Window damage
- ✗ Own debt not covered
All risk + Appraised value
Full coverage, even if it is your own fault. Appraised value of benefit.
- ✓ Everything from Limited Casco
- ✓ Own debt covered
- ✓ Vandalism
- ✓ Appraised value of benefit
- ✓ 3 year purchase value option
Current value or Appraised value?
Choose the right rating for your youngtimer.
current value
The current value is the current market value of your car. For older cars, this may be considerably lower than the actual value for an enthusiast.
- ✓ Standard with regular insurance
- ✓ Lower premium
- ✓ No valuation report required
- ⚠️ Benefits may be disappointing
- ⚠️ Value decreases due to age
appraisal value
With appraised value, an expert determines the actual value. In the event of a total loss, you will be paid this value - often higher than the current value.
- ✓ Actual value guaranteed
- ✓ Ideal for special cars
- ✓ Valuation report max. 3 years old
- ✓ Higher payment in case of damage
- ✓ Recognized by FEHAC
Conditions for Youngtimer Insurance
What conditions must you meet?
Car 15-25 years
Youngtimer status applies to 15-25 years old
Driver 25+
Often minimum age of driver(s)
Max. 12,000 km/year
Often mileage restrictions as a hobby
Second Car (hobby)
Often required daily driving
Max. 3 years old at hull
Often required: garage or canopy
Car in good technical condition
For business: broader conditions
Popular Youngtimer Brands
Frequently chosen classics for business use.
Mercedes Benz
BMW
Porsche
Audi
Volkswagen
Volvo
Jaguar
Alfa Romeo
Saab
Land Rover
Mini
Mazda MX-5
Examples of Tax Benefit
This is how the additional tax benefit works for a business youngtimer.
💼 Mercedes W124 (1995) Business
Entrepreneur drives a Mercedes E-class for business purposes, 29 years old. Current value €6,000.
💼 BMW E39 5-Series (2002) Business
Self-employed person drives a BMW 5-series for business purposes, 23 years old. Current value €5,500.
💼 Porsche 996 (2004) Business
Director drives a Porsche 911 for business purposes, 21 years old. Appraised value €45,000.
🆚 Comparison with New Car
New car catalog value €50,000 vs. youngtimer current value €8,000.
Covered and Not Covered
Know what the youngtimer insurance does and does not cover.
✓ Well covered
- ✓ Damage to others (WA)
- ✓ Fire, theft, burglary (Casco)
- ✓ Storm, hail, natural disaster (Casco)
- ✓ Window damage (Casco)
- ✓ Own fault (Allrisk)
- ✓ Vandalism (Allrisk)
- ✓ Appraised value of benefit
- ✓ Club rides and tours
- ✓ Rallies without a speed element
- ✓ During restoration (Casco)
✗ Not Covered
- ✗ Intentionally caused damage
- ✗ Driving without a valid driver's license
- ✗ Driving under the influence
- ✗ Rental against payment
- ✗ Give driving lessons
- ✗ Taxi or passenger transport
- ✗ Rallies with speed element
- ✗ Circuit riding/track days
- ✗ Wear and normal use
- ✗ Expired valuation report (>3 years)
Why Choose Us?
Classic specialist
Extensive experience with youngtimer and classic car insurance.
Appraisal value possible
Insure your youngtimer at its actual value.
Advice on tax benefits and addition.
Up to 25% lower premium than regular car insurance.
Your car remains insured even during restoration.
Tours and events covered as standard.
We compare 30+ insurers for the best premium.
More than 50 years of experience in business insurance.
Frequently Asked Questions
Insure your Youngtimer Today
Compare the best youngtimer insurance policies now. Take advantage of tax benefits and low premiums.
