Your Classic Truck Deserves the Best
A vintage truck is more than a vehicle – it is a piece mobile heritage, a passion and often the result of years of loving restoration work. Whether you have a classic DAF, Scania, Volvo, MAN or Mercedes Benz truck ownership: at Finass Verzekert you will find the perfect classic car truck insurance.
A classic car truck insurance has been specially developed for: classic trucks from 25 years and older. The premium is cheaper than regular insurance because vintage cars are usually carefully maintained, have few kilometers and are used as a hobby.
We compare classic car truck insurance policies FEHAC-approved insurers who understand the value of classic trucks. Inclusive Appraised Value Guarantee, coverage during restoration and customization in case of damage settlement.
When is a truck a classic car?
The age determines the status and rate of your classic truck:
35+ years
Casco premium: 1.4% of assessed value. 40+ years: MRB exemption (motor vehicle tax). True classics with historical value.
25-35 years
Casco premium: 2.6% of assessed value. Official classic car for insurance from 25 years. Affordable premium due to limited use.
📋 Youngtimers (20-25 years)
Is your truck less than 25 years old? With some insurers such as TVM You can insure yourself as a youngtimer from the age of 20. Condition: you have already insured a classic car with the same insurer.
Which Coverage Suits Your Classic?
Choose the coverage that suits the value and use of your classic truck:
WA
From €25/month
- ✓ Harm to others
- ✗ Truck theft
- ✗ Fire & storm
- ✗ Own damage
Legally required minimum
Limited Airframe
+ Fire, Theft, Storm
- ✓ Harm to others
- ✓ Fire & theft
- ✓ Storm, hail, broken windows
- ✗ Own damage
Good price/coverage balance
Complete airframe
1.4-2.6% appraisal value
- ✓ Harm to others
- ✓ Fire & theft
- ✓ Storm, hail, broken windows
- ✓ Own damage (collision, skidding)
Valuable classics
📜 FEHAC: The 10 Requirements for Good Classic Car Insurance
The FEHAC (Federation of Historical Automobile and Motorcycle Clubs) has drawn up 10 requirements that a good classic car policy must meet. Only a few insurers meet all requirements:
FEHAC-approved insurers: TVM, a.s.r., KNAC, Kuiper Insurance, GIO Klassieker Insurance
💰 Premium indication for Oldtimer Truck Insurance 2025
Affordable premium due to careful use and limited mileage:
| Coverage / Age | 35+ years | 25-35 years |
|---|---|---|
| WA (legally required) | From €25/month | From €35/month |
| Complete airframe | 1.4% appraisal value | 2.6% assessed value |
| Minimum Casco premium | €50 per year | €75 per year |
| Basic annual WA premium | From €300/year | From €420/year |
| Surcharge > 3,500 kg | + €52.50 per year | |
* No claim-free years required. No premium increases in case of damage. Premium depends on appraised value, weight and coverage.
💎 Appraisal Value Guarantee
With Full Comprehensive Insurance, your classic truck is insured Appraised value, not on current value:
For values > €20,000, a valuation report is required for acceptance. Valuation costs: approximately €175 incl. VAT.
🚛 MRB Exemption (Road Tax)
Oldtimer trucks may be exempt from motor vehicle tax:
NB: From 2028, the MRB exemption will only apply to vehicles built before January 1, 1988. For trucks: exemption only applies to non-commercial use.
🔧 Coverage During Restoration
Your classic truck is also insured during Restoration – an important FEHAC criterion:
TVM is known for excellent coverage during restoration. Parts that are no longer available can be custom made and reimbursed.
🏛️ Insured Activities & Use
Your classic car truck insurance covers hobby use:
Not insured: Rental, driving lessons, paid transport, speed or agility competitions, circuits.
⚠️ Conditions for Oldtimer Truck Insurance
To qualify for the affordable classic car premium:
- ! At least 25 years old (date of first admission) – some insurers 20+ years
- ! Second vehicle: You must have another vehicle for daily transportation
- ! Hobby use: Not for business or professional transport
- ! Limited mileage: Maximum 2,500, 5,000 or 10,000 km per year (depending on insurer)
- ! Storage: Some insurers (such as a.s.r.) require closed storage
Insurers That Meet FEHAC Requirements
These insurers meet all 10 FEHAC requirements for classic car insurance:
Other Oldtimer Truck Insurers:
NB: For non-FEHAC-approved insurers, it is extra important to read the policy conditions carefully.
💡 Tips for Oldtimer Truck Owners
- ✓ Valuation report: Have your truck appraised by a FEHAC/VRT/TMV recognized appraiser (approximately €175)
- ✓ Document restoration: Take photos of all work and parts
- ✓ Club membership: FEHAC club often gives a 5% discount on premium
- ✓ Closed storage: Can reduce premium and is sometimes mandatory
- ✓ Freedom of choice repairer: Choose FEHAC insurer for free choice of repairer
- ✓ Retention of remains: In the event of a total loss, your truck will be returned to the FEHAC insurer
- ✓ Several vintage cars: Often extra discounts for multiple classics on one policy
- ✓ Roadside assistance: Often included for free in the Netherlands
🛡️ Additional Coverage
Expand your classic car truck insurance with:
- → Legal assistance: Legal assistance in the event of a collision or conflict over maintenance
- → Passenger accidents: Payment in the event of death or permanent injury
- → Passenger damage: Compensation for injuries and personal items
- → Roadside assistance NL & Europe: Often free in the Netherlands, optionally in Europe
📊 Comparison: Oldtimer vs. Regular Truck Insurance
| Feature | Classic car (25+ years) | Regular/Business |
|---|---|---|
| Usage | Hobby, tours | Professional transport |
| Mileage | Max. 2,500-10,000 km/year | Unlimited |
| Premium | Cheaper (from €25/month) | Higher (from €100/month) |
| Valuation | Appraised value | Current value |
| Claim-free years | Not applicable | Build up to 80% |
| Premium after damage | Equal (no increase) | Increase possible |
| MRB exemption | 40+ years: exempt | Always pay MRB |
| Restoration covered | Yes (at FEHAC) | Usually not |
