Youngtimer Protection

WHAT VEHICLES ARE ELIGIBLE?

All exclusive sport vehicles between 10 and 19 years are eligible.

HOW DO WE DETERMINE THE AMOUNT TO BE INSURED?

We will insure the real value of the car, 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 24 months following the date of the estimate of the insured vehicle. After the 25th month, a degression of 1% per month will be applied, up until the 60th. month.

The policyholder may commission a new estimate in the 24th month. If a new estimate is provided, we will insure the real value of the vehicle, and no degression will be applied during the next 24 months.

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. 500 €)
• Windscreen Excess: No excess if the vehicle is repaired at Carglass or at a the manufacturer’s garage. Otherwise, an excess of 500 € is applied.
• Theft: No excess.

CAN THE POLICY BE EXTENDED TO COVER DRIVING ON A RACE COURSE?

At an extra premium, the insured vehicle can be covered for use on a race course. However, the cover does not extend to competitions, speed or endurance races.

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

Under this amendment to the policy, the excess is set at 20% of the insured amount.

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