If you are a lover of beautiful machines, no doubt you have already dreamed of owning a vintage car.
Or maybe you are lucky enough to house one in your garage.
To drive such a vehicle, you must respect certain rules, imposed by law.
Explanations on the insurance obligation and the specificity of collector cars.
I am looking for the best insurance for my classic car
What is a collectible car?
First of all, it is important to define what a classic car is for insurance purposes.
A classic car is
a vehicle over 30 years old
, which is no longer produced and whose technical characteristics have not been modified.
It can be a car from the 80s, called a very trendy "Yougtimer": a Renault 5 Turbo, a BMW M3 (E30 and E36), a Porsche 928. The Peugeot 306 and its cabriolet or S16 version or the 406 Coupé designed by Pininfarina.
If you are lucky enough to own a vehicle that meets these criteria, it will not automatically be considered a collector's car.
To obtain the addition of the mention "collection" on your car registration document, you must attach to your request a certificate issued either by the manufacturer or its representative in France, or by the French Federation of Vintage Vehicles (FFVE).
Why insure a classic car?
Insuring your vehicle, whether collector's item or not, is a legal obligation
.
Objective: to provide minimal protection, but oh so essential to anyone suffering damage caused or suffered by their vehicle.
If you have a vintage car, you must therefore insure it at least with the compulsory civil liability insurance.
But for this rare object that you hold so dear, it is strongly recommended to take out all-risk insurance, which can guarantee appropriate reimbursements, in the event of claims, or special collector car insurance, which will allow you to benefit from dedicated offers.
How much does it cost to insure a vintage car?
Your classic car
is a vehicle like no other.
She is over 30 and does not ride daily.
The insurance premium is therefore lower than for a classic car.
Some insurance companies even offer very advantageous contracts reserved for this type of vehicle.
To establish the amount of the annual premium for classic car insurance, several parameters must be taken into account, such as your age, the bonus-malus coefficient or the type of car (make, model, year, coast, etc.) and the type of guarantees chosen: third-party or all-risk insurance, options, etc.
Count on average between 150 and 200 € per year.
What age to insure a collectible car?
Depending on the insurance companies (Axa, Maaf, Maif…), the conditions may change.
Be aware that most require that the driver be over 21 years old and that he has held a license for at least 3 years, but also that he has not been responsible for an accident during the 2 years preceding the subscription of the contract.
Some insurers may refuse to cover the vehicle for commuting.
Take the time to carefully study all the details of the auto insurance contract.
Who can drive my classic car?
Each contract being different, only one solution: contact your insurer to find out who can drive your classic car.
You will then know your commitments more precisely and can, if possible, add the name of a new driver, regular or occasional.
Feel free to compare online to get the best insurance rate for your classic car.
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