What do you have to consider when taking out insurance for classic cars?

What do you actually have to do with a Classic car insurance note. Which vehicle is actually considered a classic car? A beautiful classic car doesn't have to be expensive, although some buyers dig deep into their pockets when it comes to buying such vehicles. Therefore, many will be pleased that the insurance coverage often is not that expensive. This is easy to justify because classic vehicles fewer and more careful be driven. We have summarized the applicable special features and what is important when it comes to insuring. Which vehicle is considered a classic car, was determined by the legislator. This category includes all vehicles that are at least 30 years old and in good condition. In order to be approved as a classic car, the condition must as original as possible be. If both conditions are met, the vehicle can officially be classified as a classic car with a "H" on the license plate be allowed. The "H" stands for "historical vehicle".

Insurance for classic cars

For a classic car insurance, however, this is keine voraussetzung. With some insurance companies, vehicles from an age of just 20 years and a market value of 5.000 euros can also be insured as a classic vehicle. Such cars that are between 20 and 30 years old are called "Young timer" designated. Typically these come with a normal license plate or a Seasonal license plates hazards. As with any other vehicle, there is also a legal one for classic cars Motor vehicle liability insurance required. In order to be thoroughly protected, drivers of such vehicles should make sure that the insurance is high. We recommend up to 100 million euros for property damage and until 15 million euros per injured person in the event of personal injury. The liability can be through a Partial coverage or Comprehensive insurance be extended.

The partial comprehensive insurance for classic cars covers theft, fire or explosions, glass damage and short circuits. In addition, natural hazards such as something caused by a storm, hail or flooding are covered. The costs incurred in the event of a collision with a deer or wild boar are covered by the partial insurance. However, it is recommended that you take out insurance in the event of a collision with all animals applies. Particular attention should also be paid to whether any damage is caused to one Transport arise, are covered. A partial comprehensive insurance should include this. Protection against vandalism is also worthwhile. These services are either part of the comprehensive insurance or they are part of the fully comprehensive insurance. Often there are classic cars increase in value, this factor should be taken into account when insuring. The fully comprehensive covers everything from partial comprehensive insurance from, - even accidents caused by yourself. However, the insurer should then "Objection of gross negligence" dispense.

Full insurance coverage is also provided if a red light is overlooked and an accident occurs. If you want to insure your car particularly well, you should have one All risks coverage think about the damage to the brake, breakage or operational damage. In the case of insurance for oldtimers, there are many similarities to normal insurance Features. The annual Mileage is limited, - frequently on 9.000 kilometers per year. The vehicle is allowed no daily driver be. In case of damage it changes for it nothing at the tariff. So drivers are not downgraded even in accidents they are responsible for.

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