Damage to a classic car is unpleasant and annoying. That's why you should be able to rely on your insurance to help you and cover the costs! For example: The door of the classic car unexpectedly flies open during a drive. Damage: 10,000 euros. Here it can happen that the usual car insurance only pays a fraction or not at all.
The problem: In a standard car insurance policy, the current value from the Schwacke index is usually used for valuation. However, the actual value of classic cars is usually much higher. In the worst case, such damage as in the example above is even excluded from insurance cover. So how do you find the right tariff and a reliable provider?
The advantages of a special classic car tariff
The classic car tariff insures the actual value of the vehicle (market, restoration or replacement value). You can choose between partially comprehensive, fully comprehensive and all-risk variants. The premium is determined on the basis of the vehicle age, condition and value of the classic car, among other factors, and is therefore often cheaper than a standard car tariff.
Further highlights of the specialized insurance cover are the provision against underinsurance (important in the event of increases in value during the insurance period, e.g. due to restoration, equipment improvements or market price increases) as well as the insurance of spare parts and accessories.
Particularly noteworthy: All-risk insurance offers the broadest protection and has only a few exclusions. It eliminates the "small print" and there are no pitfalls to worry about.
Conclusion: Use the autumn changeover period for better cover
A special tariff is worthwhile in many respects. Now is the right time to find out more and switch to a specialist insurer - such as Hiscox: car insurance contracts usually run until December 31 and can be terminated on November 30.
