Passionate about cars, you dream of driving a vintage car. Do you have the right to be the driver of a classic car? The answer to this question depends on several criteria related to vehicle insurance and your driving experience.
What is a collectible car?
To be considered a collector’s car , an automobile must meet several criteria. The main one is its age, defined by its date of first circulation. This data can be found on its registration certificate, otherwise called gray card.
One of the other criteria to be assimilated to a collector’s vehicle, the car in question must no longer be produced by its original manufacturer. Few vehicles have been produced for more than 30 years. A collector’s vehicle must also conform to its original construction without significant modification, such as replacing its engine with another type. Its body must not have been modified.
Finally, a classic car must obtain an FFVE certificate issued by the French Federation of Vintage Vehicles, after studying the file. This certificate makes it possible to comply with the specific regulations for old vehicles such as the technical inspection rules applicable to this category. In addition, the collector’s car then bears the mention “Collection” in section Z of its registration certificate. It loses its status as a regular vehicle and becomes a heritage object.
To be considered a collector’s car, it is not enough that it is over 30 years old. It must comply with all of these rules defined by article R311-1 of the Highway Code.
What are collector car drivers?
To be able to insure and drive a classic car, you must be at least 21 years old. You must also have held a driving license, corresponding to the vehicle category, for more than 3 years. Finally, you must not have had an accident for at least two years. These three conditions are required to be able to insure a classic car.
The insurance of a classic car allows it to be driven by its owner. His spouse or partner can also drive as soon as he is declared as the second driver on the contract. Depending on the guarantees taken out and the value of the vehicle, it is possible to insure your classic car with a minimum guarantee allowing you to drive with civil liability or to opt for a more complete guarantee.
To be covered by the insurance, you must comply with the maintenance and administrative follow-up rules imposed on this type of vehicle. The periodicity of the technical control must be respected, specific to old vehicles. The oldest, registered before 1960, are exempt from it, although regular maintenance must be ensured to be able to circulate.
Find your car insurance with lesfurets
Insuring a collector’s vehicle requires choosing an insurer who has mastered this type of contract. It must be able to offer cover adapted to the specificities of the old vehicle and its traffic rules. Some insurers may require you to insure another car with them to agree to cover you as the driver of a classic car.
To avoid physical canvassing with insurance agents, which is long and tedious, you can contact them via their website. The fastest and most effective way to find suitable car insurance at the best price is to go to the online ferret insurance comparator.
After having informed the vehicle to be covered with its own specificities related to its age, its value and its condition, the comparator will analyze the offers of more than 30 partner insurers. It will identify the most competitive offers based on your insured profile and various criteria such as parking location, bonus-malus coefficient, insurance history, etc.
Thanks to the comparator offered by lesfurets, it is possible to save an average of 360 euros on your car insurance contract. The simplified presentation of quotes from different insurers allows you to quickly compare the different offers to select those that best meet your needs. And this, while taking into account your budget.
In a few clicks, without obligation on your part, you can find insurance for your classic car at the best price. You save time and money, the use of the online comparator is completely free. You can use it anytime, 24/7.