Your classic optimally insured
Discover nextsure's tailor-made classic car insurance. Optimal protection, digital processing, and expert advice for your automotive treasure.
Individual Protection
Digital Processes
Expert Consultation
What makes classic car insurance so special?
Included value appreciation
Seasonal Use
Originality matters
Enthusiast Status
Requirements: When is your vehicle considered a classic car?
Not every older vehicle automatically qualifies as a classic car and thus for special classic car insurance. The criteria are based on the requirements for the H-plate. A central criterion is the age of the vehicle: at least 30 years from first registration. A good, original and worthy of preservation condition is also crucial. Extensive modifications or lack of maintenance can prevent classification. Insurers often require a current appraisal from an expert as proof and basis for the insurance sum. Use should primarily be for hobby purposes, not as an everyday vehicle, often with a maximum annual mileage. Nextsure informs you about specific acceptance guidelines for optimal protection.
Services in Detail
Your custom classic car protection
Liability Insurance
Legally required basic protection against damages to third parties.
Partial cover
Protection against theft, fire, glass breakage, and natural hazards.
Comprehensive insurance
Comprehensive protection including self-inflicted accident damage and vandalism.
Valuation Report
Insurance at market value or replacement value for your classic car.
Comprehensive insurance
Maximum security through all-risk coverage for classic cars.
RuheSchutz
Insurance coverage even with seasonal license plates or temporary decommissioning.
RallyeSchutz
Optimal protection for participating in classic car events.
AuslandPlus
Extended insurance coverage for trips abroad.
DigitalPlus
Simple online management and quick claims reporting.
Individual rates for classic cars, youngtimers, and collector vehicles.
Your classic deserves the best protection.
Calculate your rate now!
Scope of services: What does a good classic car insurance cover?
A high-quality classic car insurance surpasses the basic protection of regular car policies. The core is vehicle liability insurance. For classic cars, comprehensive cover (part or full comprehensive) is relevant. Partial comprehensive covers theft, fire, natural hazards, glass breakage, and marten bites. Full comprehensive is recommended due to the value and includes self-inflicted accident damage as well as vandalism. The sum insured is based on an appraisal (market or replacement value) to avoid underinsurance. Many tariffs offer precautionary coverage for value increases. Sensible additional benefits are all-risks coverage, transport damage protection, insurance of original accessories, or laid-up insurance. nextsure finds the tariff that optimally secures the value of your classic car.
Market value, replacement value, restoration value: Which value counts?
Accurate valuation is crucial for the insurance sum and compensation. The market value reflects the current selling price, based on condition, originality, rarity, demand. The replacement value is the amount to acquire a comparable vehicle, which may be higher than the market value. The restoration value includes costs for a complete restoration to the pre-damage condition, relevant for unique items and often significantly above the market value. For most classic car insurance policies, the market value (substantiated by appraisals, e.g., Classic Data) is decisive. Some policies insure at replacement or restoration value. Clarify the valuation basis with nextsure.
Seasonal plates and rest insurance: Flexible protection for your gem
Many classic cars are used seasonally. The seasonal registration (2-11 months operating period) is ideal; tax and insurance only apply for this period. Outside of this, the vehicle must not be used or parked in public. This is where the storage insurance comes into play. At nextsure, many policies include free storage insurance (with seasonal registration or temporary de-registration). It protects your classic car during periods of non-use (e.g., in a garage) against risks such as theft or fire (depending on the comprehensive coverage). This offers financial security and peace of mind. The combination is cost-effective and flexible.
The Appraisal Report: Why It's Essential for Classic Car Insurance
A professional valuation report is essential and often a prerequisite for classic car insurance. Unlike modern vehicles, the value of a classic can increase and depends on condition, originality, history, and rarity. A report (e.g., Classic Data, TÜV) objectively documents the market or replacement value and serves as the basis for the insurance sum to avoid underinsurance. It records condition and originality, which are important during claims settlement or sale. Insurers require it from certain values. An update every 2-3 years is recommended. nextsure advises you on the requirements.
Niche experts
Insurance at the actual market value
Simple Protection
Protection at Outings, Rallies & Events
Individually secured
Ensures restoration and spare parts are covered
H-Plate vs. 07-Plate: The Right Registration for Your Classic Car
For historical vehicles, there is the H license plate and the 07 license plate. The H license plate (historical) is for individual vehicles (at least 30 years old, original, worthy of preservation), allows unrestricted use, offers flat-rate car tax, cheaper insurance, free travel in environmental zones. The 07 license plate (red collector number) is an interchangeable license plate for collectors of several classic cars, usable only for test drives, transfer trips, storage trips, participation in classic car events, but not for everyday use. The choice depends on the number and purpose of use. Both require suitable classic car insurance, which nextsure offers.
Claim with a vintage car: What to do and how does the insurance help?
In the event of damage, stay calm. Secure the accident site, provide first aid, inform the police (especially in cases of personal injury, unclear liability, theft). Document the damage comprehensively (photos, witnesses, opponent details). Report the damage immediately to your classic car insurance – at nextsure digital. Do not make any admissions of liability. The insurance will coordinate further actions. In the case of major damage, a classic car expert is often consulted. Repair and original spare part procurement are critical points. Good insurance policies allow repairs in specialist workshops. Costs are covered according to the contract and expert opinion. Rapid communication with nextsure is crucial.
Vintage car rallies and outings: The right insurance coverage on the road
Participation in classic car rallies and excursions requires appropriate insurance coverage. Your regular classic car liability and comprehensive insurance provide basic protection. Check if motorsport events (including regularity tests) are covered. Touristic excursions are usually included. Clarify with nextsure whether your coverage is sufficient. Consider foreign coverage and an optional protection letter (breakdown assistance, return transport). Transport risk on trailers should be insured. Organiser's liability does not replace your vehicle insurance. With nextsure, enjoy rallies worry-free.
From what age is a vehicle considered a classic car for insurance purposes?
nextsure connects as a digital insurance portal with special classic car coverage and online convenience. The completion is digital – from comparison to application to policy. An intuitive online calculator provides tailored offers. Simply upload documents (vehicle registration, valuation report). Contract management (address changes, payment data, viewing) is digital in the customer portal. Report claims online with photo upload and status tracking. Expert advice via phone, chat, email supports in tariff selection. Experience specialised protection and modern digitalisation for transparency, speed, and convenience.
