Are you considering the purchase of a classic car or do you wish to have your car pass under this status? Discover the different insurance options for a classic car in this guide concocted by lesferets to give you a clear answer to this question.
What is a collectible car?
Before approaching the subject of the insurance of a classic car , it is necessary to define what it is with regard to the insurance and the law. The classic car is an official status for a vehicle. A specific mention is made on the registration certificate.
To be a real collector’s car, your automobile must meet a certain number of characteristics. The first point to respect is his age. She must be at least 30 years old. The date of first registration will prevail. In addition, it must perfectly match the original model. The engine, bodywork or chassis must have been serviced with parts identical to those originally fitted to your car.
The model must no longer be marketed by the manufacturer. It must also be of historical interest. Finally, even if these points are respected to the letter, your car does not automatically become a collector’s item. To obtain the mention “Collection” on your registration certificate, you must carry out administrative procedures with the French Federation of Vintage Vehicles, the FFVE.
The FFVE will ask you to complete a file. Its examination will allow, or not, to grant you a certificate to obtain the official status of collector car. Once done, there is no going back. Even when reselling the vehicle, it retains its collector car status for life.
The status of collector car allows free movement in the ZFEs while old vehicles, deemed too polluting, can no longer access them. In addition, the technical control passes to a deadline of 5 years instead of 2 years. It is removed for collector cars put into circulation before 1960.
Which car insurance to choose for your classic car?
A classic car requires coverage appropriate to its age and value. It is best to turn to an auto insurance company that specializes in this type of vehicle. You can obtain insurance protecting your vehicle against theft, fire or material damage. It is also possible to obtain breakdown assistance or additional guarantees according to your needs.
Full insurance is recommended. You can, for this, subscribe to an all-risk contract. All you have to do is choose useful additional options such as the driver’s guarantee or even 0 km assistance.
It is also possible to have your classic car appraised by an approved expert to obtain coverage that takes into account the real value of your classic car. You will get better compensation in the event of a claim. This may be particularly relevant for a rare or specifically expensive vehicle on the used market. The cost of an expertise by a professional is generally invoiced between 100 and 300 €.
Find your car insurance with lesfurets
To find the insurance contract for your classic car at the best price, you have several solutions. The traditional physical canvassing of local insurance agencies is quite tedious. It is now possible, thanks to the Internet, to get in touch with many companies to obtain a quote in a few clicks. However, repeating this operation a dozen times is quite prohibitive.
The most effective method to find the insurance contract adapted to your situation and your vehicle is to use an online comparator. Take advantage of the insurance comparator offered by lesfurets to obtain, in a few minutes, numerous proposals. All you have to do is complete your driver profile and identify your vehicle. The comparator will ask you for the desired level of coverage. You just have to let yourself be guided by the comparator. It is accessible anytime, 7 days a week, 24 hours a day. You can even take out your contract online to save time and quickly enjoy your new car.
You get free and without obligation on your part several quotes from different companies. Lesfurets select the most relevant and attractive offers. In a few moments, you obtain insurance adapted to your classic car at the best price. By doing so, it is possible to save 360 euros on your next contract. Many motorists are already taking advantage of it, so why not you?
