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:
WA
From €30/month
- ✓ Harm to others
- ✗ Truck theft
- ✗ Fire & storm
- ✗ Own damage
Legally required minimum
Limited Airframe
From €50/month
- ✓ 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)
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, Kenworth
Rare
Büssing, Hogra, Lancia, FTF, Bedford
🎪 Truck Shows & Events
With hobby truck insurance you are insured during all truck-related activities:
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 insurance | Classic car 35+ | Classic car 25-35 |
|---|---|---|
| WA (legally required) | From €30/month | From €40/month |
| Complete airframe | 1.4% appraisal value | 2.6% assessed value |
| Basic annual WA premium | From €374/year | From €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:
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:
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:
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:
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 type | Insurance | Premium indication |
|---|---|---|
| Ex-army vehicle up to 5,000 kg | Oldtimer army vehicle | From €7/month |
| Ex-army vehicle > 5,000 kg | hobby truck | Surcharge applies |
| Unimog private | Tractor/work equipment | Affordable premium |
| Unimog as a truck | hobby truck | Depending on use |
Specialized Insurers
We work with insurers who understand classic trucks and vintage cars:
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
| Feature | Hobby / Classic car | commercial |
|---|---|---|
| Usage | Shows, tours, hobby | Professional transport |
| Mileage | Max. 5,000-7,500 km/year | Unlimited |
| Premium | Cheaper (from €30/month) | Higher (from €100/month) |
| Valuation | Appraised value | Usually current value |
| Claim-free years | Not applicable | Construction up to 75% discount |
| Damage effect | No premium increase | Premium increase possible |
