Insurance broker / Classic car insurance in Germany (liability and agreed value cover) / Policy wording archive Classic car insurance
BGV Tarif: the policy wording in full
Oldtimer-Tarif zu den AKB-P 2024 für Fahrzeuge ab 20 Jahren mit Zustandsnote 1 bis 3, höchstens 5.000 km im Jahr, Alltagsfahrzeug bei der BGV, Marktwert laut Kurzgutachten und Teilkasko mit Vandalismus und Transportschäden.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 69 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for BGV Tarif.
Eligibility and insurable vehicles
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Minimum vehicle age (years since first registration or year of manufacture) | yes | „Pkw ab einem Mindestalter von 20 Jahren“ | Ziffer 1.1, page 1 |
| Historic registration required (H plate, historic vehicle entry, matrícula histórica) | none | „Nicht land- oder forstwirtschaftlich genutzte Traktoren und Unimog mit schwarzem …“ | Ziffer 1.1, page 1 |
| Insurable with a regular or seasonal plate | yes | „Für Pkw und Krafträder mit schwarzem Kennzeichen, für die eine Kaskoversicherung von …“ | Ziffer 3.1, page 1 |
| Red classic plate (07) or interchangeable plate insurable | yes | „Für Fahrzeuge, welche mit einem roten Oldtimerkennzeichen geführt werden, ist die …“ | Ziffer 3.2, page 1 |
| Youngtimers insurable (younger than the classic threshold) | not addressed | ||
| Classic motorcycles insurable | yes | „Krafträder – auch Leichtkrafträder – ab einem Mindestalter von 20 Jahren“ | Ziffer 1.1, page 1 |
| Special vehicles insurable (tractors, commercial vehicles, caravans, replicas) | yes | „Lkw bis 2 Tonnen Nutzlast ab 20 Jahren“ | Ziffer 1.1, page 1 |
| Several vehicles or a collection under one policy | not addressed | ||
| Everyday car required (second vehicle for daily use) | yes | „Für den täglichen Gebrauch steht Ihnen ein Alltagsfahrzeug (Pkw) zur Verfügung, welches …“ | Ziffer 2, page 1 |
| Minimum age of policyholder or drivers | yes | „Alle berechtigten Fahrer des versicherten Fahrzeuges sind mindestens 23 Jahre alt.“ | Ziffer 2, page 1 |
| Minimum vehicle value | not addressed | ||
| Minimum condition required (condition grade, original state, roadworthy) | yes | „Die Zustandsnote 1 bis 3 nach Oldtimer Richtlinie gemäß den einschlägigen …“ | Ziffer 2, page 1 |
Use and storage
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Annual mileage limit | yes | „Die jährliche Fahrleistung beträgt maximal 5 000 Kilometer.“ | Ziffer 2, page 1 |
| Consequences of exceeding the mileage (extra premium instead of benefit reduction) | not addressed | ||
| Use restricted (no commuting, no business use, hobby use only) | yes | „Das versicherte Fahrzeug wird ausschließlich privat genutzt und ist auf Sie zugelassen.“ | Ziffer 2, page 1 |
| Lockable garage or closed room required | yes | „Das versicherte Fahrzeug wird überwiegend in einer Garage untergestellt.“ | Ziffer 2, page 1 |
| Winter driving or year round use allowed | not addressed | ||
| Classic rallies, tours and regularity runs covered | not addressed | ||
| Open driver circle or extendable without surcharge | not addressed |
Value, appraisal and indemnity
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Agreed value instead of replacement value | not addressed | ||
| Valuation report required | yes | „ist uns eine Kurzbewertung, die nicht älter als 8 Wochen ist, eines von uns anerkannten …“ | Ziffer 3.1, page 1 |
| Maximum age of the valuation and renewal duty | yes | „eine Kurzbewertung, die nicht älter als 8 Wochen ist“ | Ziffer 3.1, page 1 |
| Value declaration without appraisal (self assessment, photos) up to a limit | not addressed | ||
| Cost of the valuation reimbursed | no | „Die Kosten der zur Risikobewertung erforderlichen Unterlagen (Kurzbewertung, Fotos …“ | Ziffer 3.2, page 1 |
| Provision for value increase (uplift on the appraised value) | not addressed | ||
| Waiver of underinsurance | not addressed | ||
| Indemnity for total loss or theft (appraised, market or agreed value) | yes, up to the sum insured | „Abweichend von A.2.5.7 ist unsere Höchstentschädigung beschränkt auf den Marktwert laut …“ | Ziffer 5, page 1 |
| Repair costs paid above vehicle value or at a specialist workshop | not addressed | ||
| Original or remanufactured parts and restoration effort paid | not addressed | ||
| No new for old deduction | not addressed | ||
| Owner keeps or may buy back the salvage | not addressed |
Liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability sum insured (combined) | not addressed | ||
| Limit per injured person | not addressed | ||
| Trailer and combination covered | not addressed | ||
| No bonus malus or no downgrade after a claim | not addressed |
Own damage (casco)
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Partial casco available | yes, up to the sum insured | „In der Teilkaskoversicherung sind abweichend von A.2.2.1 auch mut- oder böswillige …“ | Ziffer 4.1, page 1 |
| Full casco available | yes, up to the sum insured | „1.2 Kaskoversicherung Pkw ab einem Mindestalter von 20 Jahren“ | Ziffer 1.2, page 1 |
| All risks cover (everything not excluded) | not addressed | ||
| Fire, explosion, theft and robbery | not addressed | ||
| Storm, hail, lightning, flood, avalanche and landslide | not addressed | ||
| Collision with animals of any kind | not addressed | ||
| Marten and animal bites including consequential damage | not addressed | ||
| Short circuit and wiring fire with consequential damage | not addressed | ||
| Glass breakage including headlights and mirror glass | not addressed | ||
| Malicious damage by third parties (vandalism) | yes, up to the sum insured | „In der Teilkaskoversicherung sind abweichend von A.2.2.1 auch mut- oder böswillige …“ | Ziffer 4.1, page 1 |
| Engine, gearbox and operational damage | not addressed | ||
| Transport on trailer or truck and loading | yes, up to the sum insured | „In der Teilkaskoversicherung besteht abweichend von A.2.2.1 auch Versicherungsschutz …“ | Ziffer 4.2, page 1 |
| Stay at workshop, exhibition, fair or museum | not addressed | ||
| Removed parts, spare parts, accessories and tools | not addressed | ||
| Laid up cover or garage cover when deregistered | not addressed | ||
| Vehicle covered during restoration | not addressed | ||
| Waiver of gross negligence defence | not addressed |
Further benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakdown assistance and towing for classics | not addressed | ||
| Transport to a specialist workshop or home | not addressed | ||
| Driver or occupant protection | not addressed | ||
| Territorial scope (Europe, geographical Europe, worldwide) | not addressed |
Deductibles, exclusions and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible in partial casco | not addressed | ||
| Deductible in full casco | not addressed | ||
| Exclusion of races at maximum speed | not addressed | ||
| Exclusion of wear, rust, fatigue and ageing | not addressed | ||
| Exclusion without valid roadworthiness test or approval | not addressed | ||
| Duty to report value changes (restoration, modification) | not addressed | ||
| Duty to maintain condition and keep the vehicle secure | not addressed |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Annual payment only | not addressed | ||
| Term and notice periods | not addressed | ||
| Insurer's right to cancel after a claim | not addressed | ||
| Austria: travel limit for historic vehicles (120 days) and log book | not addressed | ||
| Spain: historic vehicle registration (Historic Vehicles Regulation, cataloguing) | not addressed | ||
| Spain: Consorcio de Compensación de Seguros for extraordinary risks | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- BGV-Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Zusatzinformation Oldtimer-Tarif (F564), ergänzt AKB-P 2024 Klassik-Tarif Edition: F564 07.24, zu AKB-P 2024 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for BGV Tarif and available as plain text.
Volltext BGV Tarif Oldtimerversicherung · As text (Markdown) BGV Tarif