An insurance for your classic car? Prestigious classic cars certainly deserve it!

What vehicles are covered?

Classic cars that are 25+ years old.

What is the insured value?

The insured value is the real value determined by an expert appraisal.

What are the offered plans?

1. Omnium:
   • Partial: Fire, theft, vandalism with break-in at the garage, natural forces, water damage, glass breakage, collisions with animals and game.
   • Full: Material damage, theft, fire, water damage, glass breakage, natural forces, vandalism, collisions with animals and game.
2. Static Risk
   • Fire, theft, and vandalism with break-in at the garage, natural forces, water damage.
   • Coverage is only valid at the garage address listed in the contract. This solution is offered for the vehicles that are not registered.

What is the depreciation?

No depreciation applies for the duration of the contract. But It is recommended to have the vehicle re-evaluated every two years.

For vehicles with an insured value over €75,000 including tax, in the event of a total loss with the activation of “material damage” or “fire” coverage, the compensation will be 110% of the agreed value of the damaged vehicle.

Who is this coverage for?

This insurance is for drivers aged between 25 and 70 years.

What guarantees can be added to the Omnium plan (only for vehicles registered in Belgium)?

• Full assistance in all countries covered by the green card, with a replacement vehicle of category C or D.
• Civil Liability (subject to acceptance by the company)
• Legal Protection
• Personal Driver Protection

What are the deductibles?

1. Material damage:
   • 1% of the insured value with a minimum of €300 and a maximum of €3,000.
   • 2% of the insured value with a minimum of €600 and a maximum of €6,000 if the driver is under 25 at the time of the incident.
   • Coverage forfeiture if the driver is under 21 at the time of the incident.
2. Vandalism:
   • 1% of the insured value with a minimum of €300 and a maximum of €3,000.
3. Glass breakage:
   • No deductible will be applied if a chip in the windshield is repaired.
   • In case of windshield replacement, the deductible will be 10% of the damage with a minimum of €150.

What protections or mechanisms should be installed against theft?

Depending on the value and characteristics of the vehicle: cut-off switch, steering lock, VV1, VV2, TT3, TT4, or a combination of these systems.

What are the conditions for owners of multiple vehicles?

For owners of fleets of classic vehicles, we offer customized solutions. Discounts are applied based on the number of vehicles and the total value of the fleet.

What documents are required to subscribe to this coverage?

• A completed and signed proposal by the policy holder
• An appraisal of the vehicle + photos
• A copy of the driver’s license of the driver(s)
• A certificate of the alarm and/or anti-theft system
• A no-claims bonus certificate

Contact us to receive your tailored offer now!