Motor insurance foroldtimer and youngtimer

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We insure your classic car& youngtimer

classic cars and youngtimers are becoming increasingly popular not only on german roads and in german garages, but also here in germany. We now also insure everyday cars from the 60s to the 90s at very reasonable premiums. our offer is not a special product. You benefit from our classic, high-performance auto insurance – as you have come to expect from us.

Your advantages at a glance

• Simple application – competent advice in your vicinity or simple online conclusion of a contract.
• No value appraisal – we waive the submission of a value appraisal.
• No restrictions – like z. B. no minimum vehicle value, no garage space required.
• No maximum annual mileage – you decide how much you drive.
• Crediting of an existing no-claims class – credit or build-up of no-claims bonus transferable to other vehicles.

We insure oldtimer and youngtimer with our comprehensive classic-tarif

You can expect this scope of coverage:

• motor vehicle liability insurance
• Partial or fully comprehensive insurance
• Kasko SELECT for many vehicle models
• driver protection
• motor vehicle insurance

• Telematics plus
• accident reporting service (UMD)
• Comprehensive PLUS
• foreign damage protection
• Discount protection

Details about the insurance coverage you can find in our car insurance.

Your car insurance for oldtimer and youngtimer in price comparison

example: annual premium for a passenger car – 98,81 €

The premium results for the following features in the rate calculator:

• policyholders: employed engineer, born on 01.07.1968
• driver: only policyholder (driver’s license 02).07.1986); vehicle owner: policyholder
• Licensing: in nordhausen, ZIP CODE: 99734
• Vehicle: VW 1200, beetle (34 hp, first registration 01.04.1963; registration on holder 01.09.2019), HSN/TSN: 0600/310
• Annual mileage: 6.000 km; use: exclusively private; financing: cash purchase; parking space: single garage
• Homeowners insurance: a single-family home insured with HUK-COBURG, private liability and household contents insurance also with HUK-COBURG
• No-claims class: SF 10; fully comprehensive insurance: with 300 € deductible; partially comprehensive: with 150 € deductible
• Comprehensive SELECT: included; motor insurance: included; telematics plus: not taken into account
• Payment method: annual by direct debit

This offer is valid from 01.01.2022 – source: NAFI 05.10.2021

The following benefits are recommended by stiftung warentest and included here:

• car insurance
• Mallorcapolice
• Marten bite with consequential damage
• Extended game damage cover (collision with animals of all kinds)
• extended elementary damage clause
• Gross negligence
• Increased coverage of at least. 100 million. € coverage

What we insure

• H license plate
• Black license plates
• seasonal or changeable license plate
• A combination of H license plates and seasonal license plates (possible since october 2017)

What we do not insure

• Collections of unregistered vehicles
• Pure collector vehicles
• Red numbers (07 or. 06 numbers)
• Exclusive vehicles of high value such as aston martin lagonda, lamborghini miura, jaguar XJ220 etc.
• racing and rally vehicles
• pre-war cars like bugatti, horch, wanderer etc.

Our insurance for oldtimers and youngtimers: comprehensive protection – cheap in comparison.

Insurance for classic cars – without an appraisal

According to §23 stvzo, a classic car certificate is a prerequisite for the registration of vehicles with an H or 07 license plate. in addition, many insurance companies require a value appraisal if a classic car is to be insured in a special classic car tariff. HUK-COBURG generally does not require such an appraisal. We insure everyday cars from the 60s to the 90s within our high-performance classic tariff.

no-claims class for your oldtimer and youngtimer

Within the framework of our classic car insurance we offer a simple and uncomplicated possibility to insure your oldtimer or youngtimer. Your vehicle is placed in a no-claims bonus class. The no-claims class of a vehicle insurance policy of another insurer can be taken over. Each vehicle requires its own no-claims bonus, both for motor vehicle liability insurance and for fully comprehensive insurance. You have the chance to build up a no-claims bonus that can later be transferred to other vehicles, whereby a favorable classification for second cars is also possible under certain circumstances.

If you switch to us with your classic car from another insurer, we will take into account the claim-free time of a previous insurance policy, even if you did not receive a no-claims class for your classic car with the previous insurer.

You can find more information on this topic in our guide What is the no-claims bonus class (SF class)?.

classic cars on tour – road trip with jens kuck

Save money with the combi-bonus

Benefit already from the combi-bonus? With at least 2 combi-capable contracts, the premium for your car liability insurance and comprehensive insurance – also for your classic car – is reduced by 5%. Learn more

save 5 % on your car insurance

Frequently asked questions about oldtimers and youngtimers

What is a youngtimer?

Youngtimers are vehicles that have not yet reached the official age limit for classic cars. The term exists practically only in the German language area, in English this term does not exist. Youngtimers are collectors’ vehicles that are no longer frequently found or were only produced in small numbers. They are often very well maintained and the owners are waiting for them to reach the age limit. There is no set age limit for the designation, many vehicles are between 15 and 25 years old.

In contrast to classic cars, the supply of spare parts is often not a problem and use is possible without restrictions. Depending on the brand and model, repair costs can quickly exceed the value of the vehicle, even for minor damage.

How classic cars are defined?

the legal definition for oldtimer can be found in the road traffic licensing regulations. Classic cars are vehicles that at least 30 years old are and a have sentimental value. If a vehicle meets these requirements, it can be classified and registered as a classic car and receive a classic car license plate. The owner benefits from a flat tax and special classic car insurance.

Not every car over 30 years old is automatically a classic car. Vehicles with heavy signs of use or extensive structural changes do not receive classic car status, they simply remain old vehicles. classic cars must be in good condition and may only be structurally altered in a contemporary manner. If, for example, you want to install a sports steering wheel, this is only possible if it was already available as an official accessory at the time of initial registration. Restorations should be carried out with original parts. Even a patina is acceptable depending on the age of the vehicle.

The term "oldtimer" is only used in the German-speaking world to refer to vehicles that are more than 30 years old. In the English-speaking world, the term "classic car" is often used, which roughly corresponds to the German "klassiker". However, there is no restriction to a certain age, even younger vehicles can be classics.

In germany there are currently more than 560.000 vehicles that meet the classic car requirements and are registered in some form with the registration authorities. Owning and driving vintage cars is one of the hobbies that are becoming more and more popular in germany. Depending on the brand, model and age of the vehicle, high costs for spare parts and maintenance can arise. For some vehicles, new parts are no longer available.

Rare oldtimers often attract attention in road traffic and you drive a vehicle that not everyone drives. For many models, there are also clubs and associations that organize trips and help with the procurement of spare parts, for example.

What value is insured?

Generally the repair costs insured. In the event of a total loss, we will replace the replacement value – in this case we charge by a DEKRA-expertise. You are welcome to submit existing appraisals and pictures of your vehicle in the event of a claim. However, in the event of damage, we do not agree on a fixed compensation payment – because we do not offer a special product for oldtimers or youngtimers.

Which vehicles can be registered as a classic car with an H license plate??

The so-called "H-plate" is one of several types of registration for vehicles that are to participate in road traffic. Historical license plates you can recognize this by the addition "H" on the license plate. The so-called H-plate can be given to any vehicle that was first put into circulation at least 30 years ago. The first registration of the vehicle is decisive, not the actual year of construction. The vehicle must also be used for the "preservation of the motor vehicle cultural heritage". The vehicle needs a oldtimer certificate in accordance with § 23 of the road traffic licensing regulations. this must have been prepared by an expert of the TuV, dekra or another approved testing organization.

The vehicle must be inspected for a positive inspection largely in original condition and be in good condition. Modifications to the vehicle are permitted if they are contemporary and were carried out with parts available at the time. If the oldtimer still has a valid operating license, a main inspection according to § 29 stvzo is sufficient to obtain the license plate, without an operating license you need an individual inspection according to S 21 stvzo. The costs for the registration correspond to the costs for a normal license plate.

The registration with H-plates is in principle a "normal" registration, which is tax-privileged. The H-license plate is largely equivalent to the normal license plate. You can use the vehicle without restrictions. Depending on the type of vehicle, commercial use is also possible. With H-plates you can drive into any environmental zone, a sticker is not necessary. For passenger cars, they pay regardless of vehicle and engine capacity 192 € tax per year, for motorcycles 46 € per year. The tax is calculated proportionally if you use the H license plate as a seasonal license plate. Cars with H-plates must every two years the car has to be inspected by the TuV become.

What is the difference between oldtimers and youngtimers??

Youngtimer are vehicles that at least 15, but not older than 30 years are. The young classics are too old to be considered as ordinary utility vehicles, but at the same time too young to be classified as classic cars. On the other hand, motor vehicles such as cars, motorcycles or motor homes are called oldtimers if they have been part of the road traffic for at least 30 years. For their owners, classic cars usually fulfill much more than a mere transport purpose, and due to their age and nostalgia alone, they have an ideal significance that is often higher than the actual vehicle value. Strict rules apply to the classification of classic cars. foreign spare parts from the same period of the original parts can be installed, but no modern parts that do not correspond to the zeitgeist.

What is an appraisal?

The value appraisal serves as proof of value when selling the vehicle or for classic car insurance for the calculation of compensation in case of damage. It should be kept up to date. An annual renewal is usually not necessary, but it should be updated every three to five years. Shorter intervals make sense if the value of the vehicle increases due to restorations or if the model is in high demand, so that the market values increase quickly. As a rule, a certificate contains not only a value, but also a condition rating. The value shown is clearly defined and, depending on the appraisal, can be either

• A market value,
• A replacement value or
• A restoration value

What are condition grades?

The condition notes of oldtimers are based on the german school grading system, there is no six:

• grade 1 – the vehicle is in immaculate condition, there are no defects in technology, optics and originality.
• Note 2 – good condition, slight signs of use, no defects, no corrosion, professionally restored or in original condition.
• Note 3 – used condition, the vehicle has normal signs of use, minor defects and light corrosion, but is fully roadworthy and not rusted through.
• Note 4 – used condition, the vehicle is only conditionally roadworthy, work is necessary, light to medium rusting through.
• Note 5 – vehicle is in need of restoration and is not roadworthy or poorly restored, parts are missing and there is major rusting through.

In addition, there is an assessment of the history in 3 levels:

• Original – the vehicle is in original condition, unrestored and as delivered from the factory
• Authentic – worn parts were replaced professionally, the restoration was done with original parts
• Not authentic – the vehicle no longer corresponds to the factory delivery, components have been changed or exchanged for other parts.

Is seasonal approval also possible for classic cars?

You can also purchase vintage car insurance with seasonal license plates. The seasonal registration is now also possible for H license plates since october 2017 possible. The period must be at least two months and may be maximum eleven months include. the valid period is indicated on the seasonal license plate.

within the season you can use the vehicle without restrictions. out of season it must not be parked on public places, you need a private parking place. Even with a seasonal license plate, the motor vehicle must be driven every 2 years at the TuV will be presented. However, you are allowed to make up the necessary examination within the seasonal period, if the actual date falls in the rest period.

The tax obligation is limited to the months of the seasonal period. If you move your vehicle for example only from april to october, you only pay taxes for 6 months, so half the rate for a normal H-plate with all year use.

How are classic cars classified?

There is an international classification for classic cars, which is used in most countries:

• A-class ancestor, first registration from the beginning until 31.12.1904
• B-class veteran, first registration from 01.01.1905 until 31.12.1918, in germany also called kaiserzeit, in england called edwardians
• C-class vintage, first registration from 01.01.1919 until 31.12.1930
• D-class post-vintage, first registration from 01.01.1931 until 31.12.1945
• E-class post-war, first registration from 01.01.1946 until 31.12.1960
• F-class vehicles with first registration from 01.01.1961 until 31.12.1970
• G-class vehicles with first registration from 01.01.1971 until the age limit is reached

When does a red 07 license plate make sense??

The 07 license plate is a change license plate. It can for any number of vintage cars in a collection are used. Vehicles with 07 license plate may not be moved in everyday life. The use is only permitted with test drives, test drives, transfers and with participation in classic car events possible. Trips for repair and maintenance purposes are also allowed. For the proof of the journeys you lead a logbook. The vehicles must not be parked in public areas when they are not in use. Cars and motorcycles cannot be driven with a license plate. 07 license plates are in principle also valid abroad, but are not recognized everywhere in the same way. If in doubt, check before traveling whether there could be problems with the license plate. environmental zones may be driven without restrictions.

For a red 07 license plate put a submit an informal written application to your local registration office. You also need a current police certificate of good conduct and an extract from the central traffic register and all the documents that also have to be submitted for a normal registration. You can obtain a driver’s license for €13 from your local registration office. Vintage car appraisals must be enclosed for each vehicle. you will also need specially issued electronic insurance certificates (evbs) for each vehicle. You only pay once for all vehicles taxes amounting to just under € 192 per year. The costs for the registration of the license plate vary, they are between 25 € and more than 200 €, depending on the registration office.

What types of appraisals are available?

Depending on the value of the vehicle and the customer’s wishes, an appraiser will draw up either a brief appraisal or a detailed appraisal. The short certificate always contains a condition note and an approximate estimated value. For this purpose, the assessor takes various photos of the vehicle. In the case of a detailed appraisal the value determined is more accurate and in most cases the expert undertakes a test drive. The value of the vehicle is also determined by means of a written appraisal.

classic cars and youngtimers as collector’s items: when is a youngtimer more likely to be considered for purchase, and when is a classic car more likely??

classic cars and youngtimers are suitable good as collector’s items, but only Rarely as a financial investment. The development of value is difficult to predict and each vehicle incurs costs for taxes, insurance, maintenance and, if necessary, parking space. In addition, wear parts must be replaced. When you are choosing a model for the first time, it is not the potential increase in value that should be the main factor in your decision. In the current low-interest phase classic cars mostly stable in value, but this can change quickly with rising interest rates.

Oldtimers from the 70s and older are often very expensive to buy, while the value remains relatively constant. In contrast limousines from the years 1980 to 1989 surprisingly cheap, if it does not have to be certain models of porsche, BMW or mercedes benz. Some models constantly increase in value.

Youngtimers are often cheap to buy, especially for beginners. If you want to achieve an increase in value, you should choose vehicle models that have only been produced in small numbers. Small production series can increase in value more strongly, but there is no guarantee for this. Pay attention to changes to the original vehicle, retrofitted audio systems can prevent the car from being classified as a classic car at a later date.

Which vehicles can be registered as a classic car with a red 07 license plate??

A red 07 license plate can be given to all vehicles that are at least the requirements for an H-license plate fulfill. Unlike the H license plate, however, the registration authority requires the following no valid operating license. Also have regular main inspections at the TuV are not mandatory, but recommended.