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- A classic car insurance covers damage to historic vehicles from. cars, motor homes, motorcycles, tractors and other commercial vehicles are insurable as vintage vehicles.
- The cost of insurance for classic cars are usually much cheaper than with conventional car insurance.
- As with any car insurance is also for historic vehicles the car liability insurance the statutory basis. This basic protection can be partial or full insurance extend with deductible.
- In the event of a claim, your tariff remains unchanged. The classic car insurance of the allianz does not downgrade you in the no-claims class.
Is every old car a classic car?
According to the legislator, a vintage car is a motor vehicle that at least 30 years old is involved in good state of preservation is in its original condition to the greatest possible extent and as motor vehicle cultural asset applies. These criteria are included in the vehicle registration ordinance (FZV) defines.
This means that not every car that is getting on in years automatically has historic status. Officially, vehicles are not considered vintage until they are registered with an H license plate (H stands for "historic vehicle"). A passenger car built in 1987, for example, that is involved in a new engine or modern spare parts is equipped, does not meet the requirements and receives no historical license plate .
Vehicles over 20 years old are considered youngtimers
So called youngtimer are collector’s vehicles, which between 20 and 30 years old and already possess a certain value or rarity status. In contrast to oldtimers, however, it is not possible to register young classics as historic vehicles. register your youngtimer with a regular license plate or seasonal license plate.
The same applies for collector’s items of more recent date, which car experts often refer to as newtimer designate. noble sports cars or luxury limousines under 20 years also receive a regular license plate.
motor vehicle liability as basic insurance
- motor vehicle liability insurance is compulsory in road traffic. With a sum insured of 100 million euros for property damage offers the motor vehicle liability allianz oldtimer insurance far exceeds the legal requirements basic insurance.
- At personal damage coverage is up to 15 million euro per injured person.
- Claims under the environmental damage act are covered, for example if oil or gasoline has leaked from your oldtimer.
- self-damage, for example, to other vehicles registered to you or to your garage, are included per insurance year up to 50.000 euro included in the insurance.
Extended protection with partial casco
- The partial casco with deductible insures your classic car against theft , fires or explosions, glass damage and short circuits.
- also included in the cover are hail damages on the car , further elementary damages, storm or lightning, for example, but also avalanches, landslides or sinkholes, earthquakes or a volcanic eruption.
- For upcoming repairs or restorations are original parts of your classic car to 3.000 euro co-insured.
- In addition, the partial cover insurance includes damage caused by marten bites, as well as collision with animals of any kind.
- In contrast to regular car insurance, damage caused by vandalism or a collision is already covered by Allianz under the partially comprehensive insurance vehicle transport arise.
- A increase in value of your classic car is up to 30 percent insured.
fully comprehensive insurance: all-round protection for classic cars
- In addition to the partial cover benefits, the fully comprehensive insurance also covers self-inflicted damage to your classic car with a deductible.
- The waiver of the objection of gross negligence guarantees full coverage even if you are negligent – for example, if you fail to apply the handbrake on a slope.
- In the case of a car in the classic car tariff, you can also add to the fully comprehensive cover a all-risk coverage take out. It covers risks such as braking, operational or breakage damage. prerequisite: a expert opinion certifies that the vehicle is a value from 25.000 euro with a condition rating of 2 or better.
For which types of vehicles can a classic car insurance be taken out??
Whether car, motorcycle, motor home, truck, tractor or unimog – in principle, drivers over 25 years of age can also insure all these types of vehicles as classic cars. Provided you have already insured a car for everyday use. A classic car insurance without everyday vehicle is not insurable. your first vehicle the classic on four wheels can not be at the car insurance.
A official H-registration as an oldtimer is possible in germany, if the vehicle is at least 30 years old is. Only then do classic cars receive the coveted registration plate and can be protected with allianz classic car insurance.
If your vehicle is younger, you can claim it from allianz as a youngtimer insure. The youngtimer insurance is available for car, the at least 20 years old are. For the young classics a minimum value of 5.000 euro. In addition, a brief valuation must be made of the car’s condition rating 3 or better certify.
value of a vintage car is calculated according to its state of preservation
Often in small number historic vehicles are highly sought-after collector and collector’s items. The rarity value makes classic cars valuable – whether as an investment or personal retirement provision. one of the most important criteria for determining the value of a classic car is its state of preservation. It is determined by an expert. In addition, factors such as brand, model, year of construction, color or number of previous owners, how much an oldie is worth.
Comparison of classic car insurance: these conditions apply to cars and motorcycles with allianz
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Minimum age of the vehicle (calculated from the day of the first registration)
Minimum age of the policyholder
Maximum annual mileage
For these special cases and vehicle types other conditions apply
For rare collector cars with a market value from 100.000 euros, cars and motor homes with a mileage from 9.000 kilometers per year and motorcycles with a value from 50.000 euro or an annual mileage over 9.000 kilometers must be individual insurance offer be created.
classic cars that have a value of over 200.000 euro owned, are covered by allianz kunstversicherung comprehensive insurance. In these cases, it is best to enquire at a alliance agency after an individual offer for your classic car.
motor vehicle liability insurance covers damage to other people’s vehicles or objects caused by a traffic accident for which you are at fault. This property damage can have considerable financial consequences.
the amount insured by allianz is far more than the minimum insurance sum prescribed by law throughout europe.
Motor vehicle liability insurance covers damage to third-party vehicles or objects caused by a traffic accident for which you are responsible. This property damage can have significant financial consequences.
the amount insured by allianz is far more than the minimum insurance sum required by law throughout europe.
motor vehicle liability insurance covers damage to other people’s vehicles or objects resulting from a traffic accident for which you are responsible. These property damages can be associated with considerable financial consequences.
the amount insured by allianz is much higher than the minimum insurance amount required by law throughout europe.
Automobile liability insurance covers damage to other people’s vehicles or property resulting from a traffic accident for which you are responsible. This property damage can have significant financial consequences.
the amount insured by allianz is far more than the minimum insurance amount required by law throughout europe.
If other people are injured in a traffic accident, this is considered personal injury. Personal injuries are often associated with considerable financial consequences.
The sum insured by allianz is far more than the minimum insurance sum prescribed by law throughout europe.
If other people are injured in a traffic accident, it is a personal injury. Personal injuries often have significant financial consequences.
The amount insured by allianz is far more than the minimum insurance sum required by law throughout europe.
If other people are injured in a traffic accident, the damage is personal. Personal injuries are often associated with considerable financial consequences.
The amount insured by allianz is far more than the minimum insurance sum prescribed by law throughout europe.
If other people are injured in a traffic accident, this constitutes personal injury. Personal injury is often associated with significant financial consequences.
The amount insured by allianz is far more than the minimum insurance sum prescribed by law throughout europe.
Environmental damage" is understood to mean damage to protected species and habitats, water or soil. Environmental damage is also covered by allianz up to 5 million euros.
If, for example, oil spills from your vehicle after an accident and pollutes the environment, we will pay for the costs of remediation.
environmental damage" is defined as damage to protected species and habitats, to water or to soil. Environmental damage is also covered by allianz up to 5 million euros.
If, for example, oil spills from your vehicle after an accident pollute the environment, we will pay for the costs of remediation.
"environmental damage" is defined as damage to protected species and habitats, to water bodies or to soil. allianz also covers environmental damage up to 5 million euros.
If, for example, oil spills from your vehicle after an accident and pollutes the environment, we will cover the costs of the clean-up operation for you.
environmental damage" is defined as damage to protected species and habitats, to water or to soil. Environmental damage is also covered by allianz up to 5 million euros.
If, for example, oil spills from your vehicle after an accident pollute the environment, we will pay the costs of the clean-up measures for you.
If you z.B. If you rent a car on vacation in mallorca, it is insured according to the legal regulations of the country of vacation. The minimum sums insured in other european countries are often not sufficient to fully cover a claim.
With the allianz mallorca policy, you increase your insurance cover when driving other people’s vehicles abroad. In the event of damage, we will pay up to the insured sums of your motor vehicle liability insurance.
If you z.B. rent a car on vacation in mallorca, it is insured according to the legal regulations of the country in which you are vacationing. The minimum insurance sums applicable in other european countries are often not sufficient to fully cover a claim.
With the mallorca policy from allianz, you increase your insurance cover when driving other people’s vehicles abroad. In the event of damage, we will pay up to the insured sums of your motor vehicle liability insurance.
If you z.B. If you rent a car on vacation in mallorca, it is insured according to the legal regulations of the country in which you are vacationing. Often the minimum insurance sums valid in other european countries are not sufficient to fully cover a claim.
With the allianz mallorca policy, you can increase your insurance cover when driving other people’s vehicles abroad. In the event of damage, we will pay up to the insured sums of your motor vehicle liability insurance.
If you have e.g.B. If you rent a car on vacation in Mallorca, it is insured according to the legal regulations of the country in which you are vacationing. Often the minimum insurance sums valid in other european countries are not sufficient to fully cover a claim.
With the allianz mallorca policy, you increase your insurance cover when driving other people’s vehicles abroad. In the event of damage, we will pay up to the insured sums of your motor vehicle liability insurance.
Liability insurance only covers damage you cause to others. Damage to your own vehicle can only be covered by fully or partially comprehensive insurance.
Property damage that you cause to your own property with your insured vehicle (e.g., damage to a car, a garage door or the wall of a house) is also covered.B. to the second car, the garage door or the wall of the house) is not normally insured. With allianz, however, these so-called self-inflicted damages are covered up to 50.000 euros included in the insurance.
The liability insurance only covers damage you cause to others. Damage to your own vehicle can only be covered by fully or partially comprehensive insurance.
Property damage caused by your insured vehicle to your own property (e.g., in the event of an accident) is also covered.B. (e.g. to the second car, the garage door or the wall of the house) are not normally insured. With allianz, however, this so-called own damage is covered up to 50 %.000 euros is also insured.
Liability insurance only covers damage you cause to others. Damage to your own vehicle can only be covered by fully or partially comprehensive insurance.
Property damage that you cause to your own property with your insured vehicle (e.g., damage to your car) is also covered.B. (e.g. to a second car, a garage door or the wall of a house) are not normally insured. With allianz, however, these so-called own-damage claims are covered up to 50.000 euro co-insured.
The liability insurance only covers damage that you cause to others. Damage to your own vehicle can only be covered by fully or partially comprehensive insurance.
Property damage that you cause to your property with your insured vehicle (e.g. to the second car, the garage door or the wall of the house) is also covered.B. (e.g. to the second car, the garage door or the wall of the house) are not normally insured. With allianz, however, these so-called self-damages are covered up to 50.000 euros also insured.
We also offer you insurance cover if the accident was caused by gross negligence – for example, if you were briefly distracted and failed to see a red light.
In such cases, we waive the objection of gross negligence and you enjoy full insurance cover. However, this does not apply if your driving ability was impaired by alcohol or drugs.
We also offer you insurance cover if the accident was caused by gross negligence – for example, if you were briefly distracted and failed to see a red traffic light.
In such cases, we waive the objection of gross negligence and you enjoy full insurance cover. However, this does not apply if your driving ability was impaired by alcohol or drugs.
We also offer you insurance cover if the accident was caused by gross negligence – for example, if you were briefly distracted and failed to see a red light.
In such cases, we waive the defense of gross negligence and you enjoy full insurance coverage. However, this does not apply if your driving ability was impaired by alcohol or drugs.
We also offer you insurance cover if the accident was caused by gross negligence – for example, if you were briefly distracted and failed to see a red light.
In such cases, we waive the objection of gross negligence and you enjoy full insurance cover. However, this does not apply if your driving ability was impaired by alcohol or drugs.
Allianz strives to continuously develop and offer its customers improved insurance products. When new insurance terms and conditions are introduced, we automatically apply the improvements they contain to your contract in the event of a claim. However, this only applies under the following conditions:
- The new product is the same as your previous product or. comparable to your product line and the additional modules you have chosen.
- The new product contains only improvements and no new restrictions to the insurance coverage.
- The enhancements in the new product are offered at no additional premium
allianz strives to continuously develop and offer its customers improvements in insurance products. If new insurance conditions are introduced, we will automatically apply the improvements contained therein to your contract in the event of a claim. However, this only applies under the following conditions:
- The new product is the same as your previous product or. comparable to your product line and the supplementary modules you have selected.
- The new product contains only improvements and no new limitations of coverage.
- The improvements in the new product are offered without any additional premium
allianz strives to continuously develop and offer improvements to its insurance products to its customers. When new insurance conditions are introduced, we automatically apply the improvements they contain to your contract in the event of a claim. However, this applies only under the following conditions:
- The new product is compatible with your existing product or product range. comparable to your product line and the additional modules you have chosen.
- The new product contains only improvements and no new restrictions to the insurance coverage.
- The improvements in the new product are offered without any additional premium
allianz strives to continuously develop and offer improvements to its insurance products to its customers. When new insurance conditions are introduced, we automatically apply the improvements they contain to your contract in the event of a claim. However, this only applies under the following conditions:
- The new product is comparable to your previous product or product line. comparable to your product line and the additional modules you have chosen.
- The new product contains only improvements and no new limitations of coverage.
- The improvements in the new product are offered at no additional premium
Damage to your vehicle caused by theft and robbery is insured. Partial thefts (e.g.B. entertainment system) are also insured.
If your vehicle key is lost as a result of robbery or burglary at home or business premises, we will reimburse the cost of replacing door and steering wheel locks or the cost of recoding up to 1.000 euro.
Damage to your vehicle caused by theft and robbery is insured for. Also partial thefts (z.B. entertainment system) are covered.
If your vehicle key is lost as a result of robbery or burglary at home or business premises, we will reimburse the cost of replacing door and steering wheel locks or the cost of recoding up to 1.000 euro.
Damage to your vehicle caused by theft and robbery is insured. Partial thefts (z.B. entertainment system) are also insured.
If your vehicle key is lost due to robbery or burglary at home or business premises, we will reimburse the cost of replacing door and steering wheel locks or the cost of recoding up to 1.000 euros.
The insurance covers damage to your vehicle caused by theft and robbery. Also partial thefts (z.B. entertainment system) are also insured.
If your vehicle key is lost due to robbery or burglary at home or business premises, we will reimburse the cost of replacing door and steering wheel locks or the cost of recoding up to 1.000 euro.
- Protects you and your passengers from financial consequences if you are injured in an accident.
- You are entitled to compensation for pain and suffering, payments for loss of earnings as well as individual rehabilitation measures available.
- Whoever is responsible for the accident is irrelevant.
- Available for purchase for vintage cars and motor homes.
- With this additional protection you are armed when you need it outside germany get involved in an accident with your classic car through no fault of your own.
- the damage will be replaced according to german damage compensation law.
- If on the other hand you own a classic car truck, -bus or a vintage tractor, you benefit not from this extra module.
- Must your oldtimer towed this service is provided by the premium schutzbrief.
- Thereby it does not matter, how far from your home you have a breakdown.
- Covered are the costs for continue, return trip or overnight stay.
- The extra benefit applies not for vintage trucks, buses and tractors.
- Covers all risks for your classic car such as brake, operational or breakage damage from.
- Applies in conjunction with a fully comprehensive insurance for vintage cars with the condition grade 2 and from a value of short appraisal certified market value of 25.000 euro.
- Is your classic car deregistered and is for example restored in a garage, garage insurance offers the right protection.
- The special: even if your vehicle has been not yet insured with allianz was, you can add this additional module with motor vehicle liability and partial cover insurance conclude.
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What it costs to insure a classic car
Insurance type, deductible and vehicle age: this is how the costs are calculated
the decisive factor for the insurance premium is essentially the type of insurance: the liability premium of allianz classic car insurance starts at around 60 euro per year. partial casco with 150 euro deductible starts at 100 euro. the fully comprehensive insurance costs at least 130 euro.
In addition, individual features such as vehicle age or engine performance cost factors.
appraisal: price depends on the value of the vehicle
A classic car appraisal according to ยง 23 stvzo samt main inspection is required for registration as a historic vehicle duty. the document costs about 80 to 200 euro. Another 20 to 30 euros are added for the embossing of the H license plate.
For classic cars with a vehicle value from at least 10.000 euro you also need an insurance certificate for the comprehensive cover of allianz classic car insurance short rating not more than two years old. This costs around 100 to 150 euros with experts. The appraiser grades the condition of the vehicle and determines the current market value market value fixed. Thereby it provides a comprehensive condition description of all assemblies, all technical data, repairs and conversions on the car are fixed.
test centers and private appraisers create classic car appraisals
The expert opinion required for the classic car registration you give at certified inspection organizations like the technical inspection association (TuV) or the german motor vehicle inspection association (DEKRA) in order. The inspection agencies also issue short valuations and extensive value appraisal for classic cars. The latter serve, for example, as an orientation and basis for negotiation, when you buy or sell a mobile classic. A brief assessment should you every two years have it redone. So you always know the current value of your vehicle and can report this to your insurance company to get a avoid underinsurance.
Besides TuV, DEKRA and co. Have also some private providers specialized in the valuation of classic vehicles. The best way to compare corresponding offers is online.
Important: one classic car insurance without value appraisal or short appraisal to take out insurance is usually not possible. The insurer uses the document to calculate the insured market or replacement value of the historic vehicle. the future insurance premium is also calculated according to this.
Registering a classic car: with H license plates through all environmental zones
When the appraiser original condition after your oldtimer has been certified, you can register it as a historic vehicle at the registration office. By the way, you will also need the evb number of your vehicle insurance for this purpose. The registration fees amount to around 28 euros.
With the H-plate, your vehicle can be recognized as an official oldtimer on the road and may be without green environmental badge drive in all environmental zones. For the insurance as a classic car is a H-label although not obligatory – but without this label they have no tax advantages.
save costs with a reduced tax rate
With the vehicle tax are vehicles with an H license plate favored. At 191.73 euros for passenger cars and 46.02 euros for motorcycles, the flat-rate amount is generally well below the tax rate otherwise due, which is calculated according to engine capacity and pollutant class.
Only vintage cars with very low displacement – under 600 cubic centimeters for diesel and less than 800 cubic centimeters for gasoline engines – may drive cheaper with the regular tax rate.
