Joonko only offers insurance for modern cars at the moment.
Many insurers offer special oldtimer tariffs for cars 20+ years old. The tariffs usually are cheaper as insurers assume that classic car fans are particularly careful with their cars and only drive them on special occasions. This reduces the risk of an accident for the provider. Accordingly, most tariffs are also limited to an annual mileage of 6,000 to 9,000 kilometers. A general rule of thumb for oldtimer tariffs is: The older the car, the cheaper the tariff; and the more horsepower the car, the more expensive the tariff.
Unfortunately oldtimer insurances cannot be compared online. Make sure to inquire with at least two insurances to get a competitive offer. Here is a list of special oldtimer insurances (as of March 2020).
When insuring an oldtimer, please take into consideration:
- Especially for precious cars you might want to get an assessment (Gutachten) of the car’s worth prior to getting the car insurance so that there are no disagreements with the insurance in case of an accident.
- A seasonal plate (e.g. allowing you to drive the car between May and October) can save you money regarding car and insurance.