Modern protection for classic cars 

Classic car insurance

Attractive Premiums
More Security
Outstanding Customer Service
Your classic car is your pride and joy. To make sure it stays that way, we offer classic car insurance. Get all the benefits of our car insurance and enjoy peace of mind on the road.

As a rule, vehicles are considered classic cars when they reach 30 years old – provided that their market value is significantly higher than their normal current value.

And collectors’ vehicles over 15 years old can be insured as modern-era classic cars. 

To take out our insurance, your classic car or modern-era classic must only be used privately and must have a maximum mileage of 5000 km per year.

Everything you get with our insurance for oldtimers:

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Pays for loss/damage that I cause to others with my oldtimer
Pays for loss/damage to my oldtimer that was not caused by me
Pays for loss/damage to my oldtimer that I caused myself
Third-party losses (losses/damage incurred by third parties)
Damage caused by animals
Natural hazard damage and fire
Vandalism and theft
Marten and rodent damage – cover includes consequential losses
Glass damage
Damage to a parked classic vehicle
Cover for damage to your own vehicle for which you are at fault

Supplement your classic car insurance with the following modules:



Passenger accident insurance protects you and your passengers in the event of a car accident. It pays for medical expenses or one-off costs in the event of disability incurred in a car accident. This option is especially worthwhile for people who have little coverage under other accident insurance policies. 

With this supplementary cover, you are insured in the event of a breakdown or accident on the road, including in the border regions of Switzerland’s neighbouring countries. The following indemnity/services are insured as standard:

  • Towing and recovery of your classic car
  • Assumption of costs for overnight stay and journey home
  • Delivery of required replacement parts for your classic car

If you want even more support, there is our Assistance Top module:

  • Free rental or replacement vehicle when your classic car is being repaired (including additional costs for child seats or navigation devices)
  • Interpreter service if you’re having communication difficulties abroad
  • Home travel for your cat or dog is also insured

Find out more in our guide to breakdown assistance.

With no-claims bonus protection, the premium for your classic car insurance remains unchanged – at every premium level. No-claims bonus protection applies to a maximum of one claim per year.

Our traffic legal protection cover offers you legal protection on the road – not only for your classic car, but also when you are riding a bicycle or an e-bike, on the train or on foot. Experienced legal experts are on hand to answer any legal questions you may have and assist you in the event of a legal dispute. Find out more on our legal protection page.

It’s easy to make mistakes. With the gross negligence option, we will not reduce our indemnity if you cause an accident through gross negligence. Find out more in our guide to the topic of gross negligence.

With this add-on to the comprehensive insurance, items you carry in your vehicle are also insured. We will pay the costs if your camera is stolen from your vehicle, for example.

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You can register your car as a classic vehicle when it reaches the age of 30. Vehicles aged between 15 and 30 years old can be registered as modern-era classic cars if the market value exceeds the actual current value. The cover and terms for modern-era classic cars are the same as for classic cars.

In addition, the vehicle must be worth at least CHF 5,000 and 30% of the original list price (including accessories).

Good to know: looking to insure a car whose current value is over CHF 50,000? In this case, you will need to obtain a vehicle appraisal in order to take out insurance. The same applies to motorcycles with a value of CHF 30,000 or more.

You are not allowed to drive more than 5,000 km per year in your classic car.
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