The best classic car insurance 2025: Save up to 2170 euros!

The best classic car insurance 2025: Save up to 2170 euros!

The world of classic car insurance has expanded significantly in recent years. Loud Classic cars In a current comparison, 684 tariffs from 17 providers were examined. This represents a significant increase compared to previous comparisons, which only included 11 providers last year and only 8 two years ago.

The range of special classic car insurance is growing, which has a positive effect on premiums. These tariffs often offer more favorable conditions than regular car insurance, but they are tied to certain requirements, such as the age of the vehicle, the user and vehicle values ​​and the annual mileage. The magazine Car newspaper points out that policyholders usually have to have a more stable age profile in order to meet the conditions.

Insurance comparisons for popular classic cars

The following vehicles were examined in the test: the VW Beetle 1200 (built in 1964, valued at 17,500 euros), the Porsche 911 S (built in 1974, valued at 55,000 euros), the Jaguar E-Type 3.8 Roadster (built in 1963, valued at 159,000 euros) and the Mercedes SLK 230 Kompressor (built in 1998, valued at 159,000 euros). 9,200 euros). The policyholder in these examples was a 50-year-old, married employee from Cologne.

For the VW Beetle, WGV has the cheapest tariffs with a price of 50 euros for liability and 126 euros for all-risk coverage. Huk-Coburg offers the lowest prices for fully comprehensive insurance, while OCC presents the best rates for vehicles with 07 plates.

For the Porsche 911 S, the best all-risk tariffs can be found at OCC, and Herzensache and Huk-Coburg are close behind. For the Jaguar E-Type, OCC secured the top position for fully comprehensive and all-risk insurance, while the providers HDI and WGV took second place in the liability sector. OCC offers the cheapest liability and all-risk policies for the Mercedes SLK 230.

Special features and advantages of classic car insurance

The requirements for classic car insurance can be complex. While the absence of damage does not play a role, which leads to lower premiums, an appraisal is usually required. The reports must not be older than one year when the contract is concluded. Another advantage is the option for automatic coverage of increases in value of up to 50%, which can make the premiums significantly cheaper.

The differences in prices can be enormous: a VW Beetle can be insured for up to 212 euros per year cheaper with HDI, while the Jaguar E-Type could save up to 2170 euros per year with OCC. The reporting in the current issue of Classic Cars (7/2025) also addresses the challenges that can arise when selecting suitable classic car insurance.

When it comes to policies, classic car insurance offers comprehensive services at attractive prices. The tariffs do not take into account no-claims classes, which means savings for policyholders. Partially comprehensive insurance covers damage caused by fire, storms, theft and glass breakage, while fully comprehensive insurance also covers self-inflicted accidents.

Overall, the comparison shows that classic car insurance is an attractive option for vehicle owners who want to protect their classic car without paying excessive costs.