Classic Car Protection

WHAT VEHICLES ARE ELLIGIBLE?

• Classic Car : 20 to 29 years

• Vintage Car : 30 to 39 years

• Veteran Car : 40 to 59 years

• Historic Car : 60+ years

HOW DO WE DETERMINE THE AMOUNT TO BE INSURED?

We will insure the real value of the car, as determined by an expert.

WHAT CAN WE COVER?

• Theft
• Fire
• Material damage (including water damage, glass breakage, force of nature, vandalism, animal damage)

WHAT DEGRESSION IS APPLICABLE?

In case of total loss, theft or attempted theft, no degression will be applied during the first 60 months following the date of the estimate of the insured vehicle. After the 61. month, a degression of 1% will be applied, unless the policy holder provides a new estimate.

Special requirements:

• Drivers must be at least 25 and no older than 70
• Whenever the vehicle is kept at the home or at the main address of the policy holder and/or the main driver, it must be parked in a locked garage overnight (10 pm - 7am). Outside these places, the policy holder and/or main driver must act as a reasonable person. Failure to comply may result in cancellation of your policy.

WHAT EXCESS IS APPLICABLE?

• Material damage and vandalism: 2% of the insured amount (min. 250€)
• Windscreen excess: 250 €
• Theft: no excess

CAN THE POLICY BE EXTENDED TO COVER PARTICIPATION IN A RALLY?

At an extra premium, the insured vehicle can be covered for car rallies.

This policy extension is granted on condition that only the policy holder may drive.

In the context of a rally, the excess is set at 4% of the insured amount.

WHAT RATES ARE APPLICABLE FOR OWNERS OF MULTIPLE CARS?

• 100% of the premium for the main vehicle (that with the highest value)
• 60% of the premium for the second vehicle
• 15% of the premium for the third and all additional cars. Two drivers may be included in the contract.

YOU MUST PROVIDE THE FOLLOWING DOCUMENTS TO TAKE OUT THIS COVER:

• An insurance proposal form completed and signed by the person to be insured
• An estimate of the car + photos
• A copy of the driving license of the driver(s)
• Proof of a car alarm
• Proof of claims history