Classic Car Insurance
The right coverage for your exclusive hobby
The right insurance coverage for your exclusive hobby. We offer comprehensive protection against financial damage to your historic vehicle, with special conditions designed for collectors and classic car lovers.
Benefits of this insurance
In case of a claim, there is no downgrade — your premium stays consistently affordable.
In case of a claim, we grant compensation up to 20% above the estimated vehicle value.
You can later transfer your claim-free record to another policy.
Coverage comparison
| Liability | Liability + Partial Comp. | Liability + Fully Comp. | |
|---|---|---|---|
| Personal, material and financial damages | €100 million (flat) | €100 million (flat) | €100 million (flat) |
| Theft | |||
| Accidents, including self-caused | |||
| Vandalism | |||
| Gross negligence | |||
| Natural forces | |||
| Fire and explosion | |||
| Glass breakage and windshield repair | |||
| Collision with animals of any kind | |||
| Short circuit in wiring | |||
| Ferry crossing coverage | |||
| Mobile navigation devices |
Additional modules and benefits
Classic car assistance package
Specialized roadside help for historic vehicles, with flatbed towing to avoid damage and transport to restoration specialist workshops.
Coverage for rallies and events
Extended protection on the way to classic car meets, rallies and exhibitions.
Original parts protection
Optional module to insure the higher value of original period components during a repair.
What is covered
Classic car requirements
At least 30 years since first registration, good original condition (minimum grade 3) and a market value of at least €5,000.
Youngtimer (25 years)
Vehicles at least 25 years old can access a special Youngtimer tariff with similar conditions.
Classics (40 years)
Vehicles over 40 years old get access to the most favorable "PKW-Klassiker" tariff.
What is not covered
Daily or commercial use
The classic car tariff does not apply to vehicles used as a daily means of transport or for commercial purposes.
Undeclared modifications
Modifications that alter the original condition and have not been reported can void the special tariff.
Racing participation
Damage from preparing for or participating in races and competitions is not covered.
Real claim examples
Accident at a classic car rally
A 1970 Mercedes 280 SL is hit on a winding road during a classic car rally. The insurance covers the repair.
Garage fire damage
An electrical fault causes a fire that damages a restored 1963 Volkswagen Beetle.
Theft at an exhibition
A 1965 Jaguar E-Type is stolen overnight from a classic car show despite security measures.
Frequently asked questions
When is a car considered a "classic"?
When it was first registered at least 30 years ago and largely retains its original condition.
Is it cheaper than regular car insurance?
Usually yes, since classic car owners tend to drive more carefully, cover fewer miles and maintain their vehicles better.
What documents do I need?
An appraisal no older than one year confirming condition (minimum grade 3) and a market value of at least €5,000.
Do you have a classic to protect?
Tell us the details of your vehicle and we will help you find the right tariff.
Request free advice