The classic car may receive special treatment from insurance companies. Indeed, this type of vehicle is not suitable for professional use. The risk is therefore lower. The premium will then be more attractive if you opt for a so-called "collector car" insurance contract.
What is a classic car?
Most people consider all vintage cars to be "collector's cars". However, according to the law, there are a number of parameters that determine whether or not a vehicle actually belongs in this category. One of the most important criteria is age. Thus, its date of first registration should be taken into account. In general, the car must be at least 30 years old. Also, the owner should not make any changes to its original configuration. In short, it must remain as it was in the past.
Collector cars have a specific car registration. However, there are a few formalities to take advantage of this status. Nowadays, the formalities can be done entirely online. All that is required for registration is a few supporting documents: an identity card, proof of address, the vehicle's old registration document (or a document certifying its origin), an original certificate from the manufacturer, dealer or FFVE, a technical inspection form and a CERFA form n° 13750*05 completed and signed. You must also pay the fees by cheque or credit card. Be patient, as it can take time to obtain the new vehicle registration document. Please note! Insurance is compulsory for a classic car.
What type of car insurance should I choose for my classic car?
You can turn to a comprehensive insurance to insure a classic car. In this case, the level of coverage is optimal: liability insurance that covers material damage and bodily injury caused to others in the event of a claim and a guarantee on the damage caused to your car and the driver. Damage following a collision, glass breakage, vandalism and theft are also reimbursed by the insurance company. It is even possible to add options for maximum protection. However, this is the most expensive solution. For good coverage at a reasonable price, opt for a collector's car insurance. However, to take advantage of it, you must be over 21 years of age and have a license for more than 3 years. Also, you must not declare any at-fault accident two years before the application. And finally, you must use another vehicle for your errands. In short, the classic car must not be used for professional purposes. In any case, the cost of the insurance contract is more attractive because these vehicles only travel a few kilometres a year.
What do you need to insure a classic car?
To take out collector car insurance, you need several documents, including a photocopy of your driving licence, registration certificate, identity card, bank or RIB statement and insurance information statement. The latter includes all the information concerning your driving history: a description of the insured car, information concerning the driver(s), the date of subscription to the old contract and the bonus/malus obtained at the last annual due date. There is therefore no need to lie to your insurer. He will have access to all the claims you have made in the past. To obtain this document, contact your former insurance company. Otherwise, your new insurer can also take care of it.
In addition, certain details about the car are essential, such as the list of secondary drivers, the model of the car, the date of registration, the model, the make, the type of trip, the parking method... All these elements can have an impact on the collection insurance premium. Once you have completed your file, the green card or insurance certificate will be given to you after a few days.