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Calculation basis for classic car liability insurance

VW Beetle, first registration: 01/1965, market value €30,000, 25 kW power, private use, standard license plate, not yet registered, policyholder is the vehicle owner, date of birth: 01/07/1965, place of residence: Leer (Ostfriesland), postal code: 26789, no special occupational group, no additional drivers, annual mileage: 3,000 km, liability only (no comprehensive), insurance start date: 01/10/2021, quote date: 07/02/2022, price rounded.

Product comparison Save up to 41% Car insurance costs Benefits

Classic Car Insurance: A Brief Explanation

  • The benefits of a classic car insurance policy depend on the coverage type. Full coverage offers all-around protection against nearly all damages.
  • When you insure your classic car with Allianz, you enjoy exclusive benefits—including no use of no-claims classes.
  • Which insurance is most suitable for your classic car depends on its condition and value. In most cases, partial coverage is sufficient and offers extensive services for a small premium increase.
  • To insure a vehicle as a classic car with Allianz, certain requirements must be met — for example, a mileage limit of 9,000 kilometers per year.
  • The cost of Allianz classic car insurance starts at €59 per year.
  • Allianz also offers classic car insurance for other vehicle types such as motorcycles, camper vans, and tractors.
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Allianz Classic Car Insurance benefits

Third-party motor insurance covers you if you cause damage to others with your classic car and is mandatory for every classic car. If you also take out partial or fully comprehensive coverage as part of your classic car insurance, damage to your own vehicle is also covered. With Allianz's additional modules, you can customize the coverage of your car insurance.

All-risk cover offers maximum protection for cherished classic cars, including damage from braking, operation, or breakage:

  • Applies in conjunction with classic car comprehensive insurance
  • Available for classic cars rated condition 2 and appraised with a market value of at least €25,000

The Driver Protection insures the person behind the wheel of the classic car—regardless of who caused the accident:

  • Payments for loss of earnings, pain and suffering, and rehabilitation
  • Available for classic cars and campervans

Broken down with your classic vehicle? The Premium Roadside Cover gets you mobile again – no matter how far from home you are:

  • Reimbursement for towing service, onward travel, return travel, or overnight stay
  • Available for classic cars, motorcycles, and campervans

Garage insurance protects your classic car when it is de-registered and undergoing restoration in a garage. Special benefit: Even if the vehicle was not previously insured with Allianz, you can add this module along with liability and partial coverage insurance.

The International Damage Protection helps if you are involved in an accident abroad with your classic car that is not your fault:

  • Compensation according to German liability law
  • Available for classic cars, motorcycles, and campervans

Allianz services for liability insurance, partial and fully comprehensive insurance for your classic car

Liability insurance is mandatory for classic cars. This compulsory insurance applies when you cause damage to others with your vehicle.

Your Allianz advantages:

  • The liability insurance for classic cars offers much higher coverage than the legal minimum for property and personal damage.
  • Covers claims under the Environmental Damage Act, for example, if oil or fuel leaks from your classic car.
  • Own damages (e.g., to other vehicles registered to you) are covered up to €50,000 per insurance year.

The partial coverage for classic cars (with deductible) insures your vintage vehicle against external events beyond your control.

Your Allianz advantages:

  • Spare parts for repairs or restorations are covered up to €3,000.
  • Damage from vandalism or during transport is already covered by partial coverage.
  • Up to 30% value increase of your classic car is covered from the partial coverage level.

The comprehensive coverage for classic cars (with deductible) includes all partial coverage benefits plus accident-related damage to your vehicle.

Your Allianz advantage:

  • Full cost coverage even in cases of gross negligence, for example, forgetting to engage the handbrake on a slope.
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