Your Classic Truck as a Hobby

A hobby truck is more than a vehicle – it is a piece of mobile heritage, a passion and often the result of years of restoration work. Whether you have a classic DAF, Scania, Volvo, MAN or Mercedes Benz own a truck: you will find the perfect insurance at Finass Verzekert.

A hobby truck insurance policy has been specially developed for: hobby use: truck shows, tours, classic car meetings, club rides and demonstrations. The premium is cheaper than business insurance because you do not use the truck for professional transport and only drive it to a limited extent.

We compare hobby truck insurance with specialized insurers who understand the value of classic trucks. Inclusive Appraised Value Guarantee, coverage during restoration and roadside assistance if your classic car breaks down en route.

Which Coverage Suits Your Classic?

Choose the coverage that suits the value and use of your hobby truck:

Popular
🔒

Limited Airframe

From €50/month

  • Harm to others
  • Fire & theft
  • Storm, hail, broken windows
  • Own damage

Good price/coverage balance

Completely

Complete airframe

1.4-2.6% appraisal value

  • Harm to others
  • Fire & theft
  • Storm, hail, broken windows
  • Own damage (collision)

Valuable classics

All Classic Truck Brands

We insure all classic truck brands:

🇳🇱

DAF

A series, 2600, 2800, 3300, 3600 ATI, classic Dutch

🇸🇪

Scania

LB76, LB111, LB141, T-series, Scania-Vabis

🇸🇪

Volvo

F86, F88, F89, F10, F12, classic Swedish

🇩🇪

Mercedes Benz

LP series, NG series, SK series, Unimog

🇩🇪

MAN

F8, F90, classic German craftsmanship

🇮🇹

Iveco/Fiat

190 series, Turbostar, Eurostar

🇺🇸

American

Mack, GMC, Peterbilt, Kandworth

Rare

Büssing, Hogra, Lancia, FTF, Bedford

🎪 Truck Shows & Events

With hobby truck insurance you are insured during all truck-related activities:

🏆Truck Shows Truckstar, Masters
🛣️ Tours Retro Truck Tour
🎭 Parades Parades, demonstrations

Also insured: club rides, reunions, classic car gatherings, Liberation Day events and truck runs. Rallies without a speed element are allowed.

💰 Premium indication Hobby Truck Insurance 2025

Affordable premium for hobby use:

Type of insuranceClassic car 35+Classic car 25-35
WA (legally required)From €30/monthFrom €40/month
Complete airframe1.4% appraisal value2.6% assessed value
Basic annual WA premiumFrom €374/yearFrom €480/year
Surcharge > 3,500 kg+ €52.50 per year

* Premium depends on age, appraised value, weight and coverage. No claim-free years required. No premium increases in case of damage.

🔧 Coverage During Restoration

Your classic truck is also insured during Restoration. Whether your truck is driving or parked:

🔥 Fire Also in the workshop
🔓 Theft From a closed space
💥 Vandalism Malicious damage
🌪️ Storm damage Natural and storm damage

Tip: Document your restoration process with photos. This helps determine the value and any claims for damages.

🏛️ Truck Clubs & Associations

Member of a vintage truck club? This can benefit your insurance:

🇳🇱 DAF Classic car Truck Club (DOTC)
🚛 HAV Truck Group
📚 FEHAC affiliated clubs
🔧 Old Transport Achterhoek
⭐ Brand specific clubs
🌍 International associations

FEHAC members often receive a 5% discount on the premium. Club membership shows that you are serious about your hobby.

📋 Appraisal Value Guarantee

With Full Comprehensive Insurance, your hobby truck is insured Appraised value, not on current value:

  • Appraised value: You will be reimbursed for the actual value, no depreciation
  • No discussion: Value has been determined in advance by a recognized appraiser
  • Valid for 3-5 years: Valuation report must be renewed regularly
  • VRT/FEHAC recognized: Appraiser must be certified
  • Accessories included: Including restoration work and adjustments
  • Mandatory > €20,000: For higher values, an appraisal is mandatory

✓ Insured Activities

Your hobby truck insurance covers the following activities:

✓ Truck shows
✓ Tours
✓ Club rides
✓ Parades & Parades
✓ Demonstrations
✓ Reunions
✓ Classic car meetings
✓ Fun rides
✓ Restoration (stored)

Not insured: Business transport, professional use, rental, speed or agility competitions.

⚠️ Conditions for Hobby Use

To be eligible for the affordable hobby premium, the following conditions must be met:

  • ! At least 25 years old (oldtimer) or youngtimer 20-25 years with some insurers
  • ! Second vehicle: You must have another vehicle for daily transportation
  • ! Max. 7,500 km per year: Limited annual mileage
  • ! No business use: Only hobby/private

🛡️ Additional Coverage

Expand your hobby truck insurance with important additional coverage:

⚖️ Traffic legal assistance
👥 Passenger accidents
🔧 Roadside assistance NL & Europe
💼 Damage to occupants

Roadside assistance in the Netherlands is included free of charge with many classic car insurance policies. Handy if your classic car breaks down on the road!

Ex-Army Vehicles & Unimog

Ex-army vehicles, defense trucks and Unimogs can also be insured as a hobby:

Vehicle typeInsurancePremium indication
Ex-army vehicle up to 5,000 kgOldtimer army vehicleFrom €7/month
Ex-army vehicle > 5,000 kghobby truckSurcharge applies
Unimog privateTractor/work equipmentAffordable premium
Unimog as a truckhobby truckDepending on use

Specialized Insurers

We work with insurers who understand classic trucks and vintage cars:

⭐ TVM Classic car ⭐ Overwater Vintage cars ⭐ a.s.r. (FEHAC) University KNAC GIO Classic Kuiper Insurance ANWB

TVM, a.s.r. and KNAC meet all FEHAC requirements for classic car insurance. Overwater Oldtimers is a specialist in vans and trucks from 25 years old.

💡 Tips for Hobby Truck Owners

  • Valuation report: Have your truck appraised by a VRT/FEHAC recognized appraiser
  • Document restoration: Take photos of all work and parts
  • Club membership: Join a FEHAC club for discounts and information
  • Closed storage: Can reduce premium and is sometimes mandatory
  • Few kilometers: < 5.000 km/jaar kan extra korting opleveren
  • Several classics: Often a discount for multiple vintage cars on one policy
  • Summer rate: Do you only drive in the summer? Ask for seasonal rates
  • Original parts: Keep receipts for rare parts

📊 Hobby vs. Business Truck Insurance

FeatureHobby / Classic carcommercial
UsageShows, tours, hobbyProfessional transport
MileageMax. 5,000-7,500 km/yearUnlimited
PremiumCheaper (from €30/month)Higher (from €100/month)
ValuationAppraised valueUsually current value
Claim-free yearsNot applicableConstruction up to 75% discount
Damage effectNo premium increasePremium increase possible

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