Informationen & Tipps rund um die Oldtimer-Versicherung

Sie lieben alte Autos und spielen mit dem Gedanken, sich ein historisches Schmuckstück zuzulegen? Oder Sie besitzen schon eins und haben aber noch nie so genau über das Thema Versicherung Ihres Sammlerstückes nachgedacht? Dann wird es höchste Zeit, denn gerade bei älteren Modellen können Sie mit einer speziellen Oldtimer-Versicherung ordentlich sparen.

Eine Oldtimer-Versicherung ist genau auf Modelle, die mindestens 20 Jahre alt sind, zugeschnitten. Erhielt ein Auto seine Erstzulassung vor mindestens 20 Jahren, handelt es sich um einen sogenannten Youngtimer, für den Sie ein historisches H-Kennzeichen beantragen können und den Sie dementsprechend auch als solchen versichern lassen können.

Voraussetzungen und Anforderungen

Wenn Sie ein Oldtimer-Modell besitzen oder sich eines anschaffen möchten, müssen Sie für eine Oldtimer-Versicherung bestimmt Kriterien erfüllen.

  • Alter: Natürlich ist das Alter bzw. der Zeitpunkt der Erstzulassung von zentraler Bedeutung für den Abschluss einer Oldtimer-Versicherung. So muss ein Auto bei den meisten Versicherungen mindestens 20 Jahre, manchmal 25 oder 30 Jahre alt sein, um als Oldtimer eingestuft zu werden. Je älter Ihr Modell ist, desto geringer fallen Ihre Beiträge für die Versicherung aus.
  • Gutachten: Einige Versicherer setzen für die Einstufung ein Gutachten voraus. Ein unabhängiger geprüfter Sachverständiger kann entweder ein Kurzgutachten oder ein detaillierteres Gutachten erstellen, die beide nicht viel kosten und sich auf jeden Fall lohnen. Denn falls es wider Erwarten zu einem Schadensfall kommt, sollte Ihr Fahrzeug in der richtigen Prämienklasse eingestuft sein, damit der Schade von Ihrer Versicherung auch übernommen wird.
  • Fahrleistung: Um Ihren Wagen als Oldtimer versichern zu können, darf Ihre Fahrleistung im Jahr eine bestimmte Strecke nicht überschreiten, meistens dürfen es nicht mehr als 10.000 km sein. Deshalb setzen viele Versicherer zusätzlich ein Alltagsauto voraus, um genau das zu gewährleisten. Außerdem sollten Sie den Oldtimer nur für private Zwecke nutzen.
  • Garage: Parken Sie Ihren Oldtimer auf der Straße, so ist er bei vielen Anbietern nicht versichert. Sie müssen einen Stellplatz oder eine Garage speziell für Ihren Oldtimer vorweisen können.

Was Sie noch wissen sollten

Wenn Sie eine Oldtimer-Versicherung abschließen, werden Sie von Anfang an in die günstigste Klasse für Ihr Fahrzeugmodell eingestuft. Das ändert sich auch nach einem Schadensfall nicht, denn bei der Oldtimer-Versicherung gibt es keine sogenannten Schadensfreiheitsklassen – Sie zahlen immer den gleichen Beitrag.

Zu den Versicherungsleistungen gehören eine Haftpflichtversicherung und wahlweise eine Teil- oder Vollkaskoversicherung. Zusätzlich haben Sie die Möglichkeit verschiedene optionale Zusatzversicherungen hinzu zu buchen – etwa eine Restaurierungsversicherung oder eine Allgefahrendeckung.

Weitere Informationen zum Thema Oldtimer- und KFZ-Versicherung finden Sie hier:

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