Historical and Vintage Cars They represent a historical and cultural heritage, which is a symbol of the past, which is passionate about many collectors and amateur people. Placing this type of vehicle not only means the protection of the automotive history piece, but also includes specific responsibilities, including the appropriate need for insurance coverage.
The difference between historical cars and vintage cars
There is a difference between Italian legislation Historical Cars E Vintage carsTwo types that follow different rules:
- Historical Cars: Are the minimum vehicles built 20 yearsMaintained in terms of origin, and registered in a recognized historical register, such asItalian Historical Automotoclb (ASI). These vehicles can rotate on the road, but with some limits, for example events, gatherings or prevailing for special occasions. The owner has to ensure that the vehicle is maintained in appropriate situations and respects the barriers to the origin provided by the rules.
- Vintage cars: Are vehicles deleted? Public Automotive Register (PRA) And specially intended for protection in the museum or private collections. They cannot rotate freely on the road, but only on the occasion of specific authorized events, using a Temporary plaque. To achieve this rating, the vehicle should be evaluated by the experts and recognized as part of the historic automotive heritage.
Both categories can benefit from lower tax intervals and insurance premiums, but in different ways.
How do historical cars work
Historical cars insurance is a policy developed for historical and interest collecting vehicles, which offers different conditions than traditional car insurance. The main features are:
- Low prizesSince historical car is occasionally used and with great attention from the owners, companies offer subsidized prices compared to standard policies.
- The limits of use: Rotation is often limited to gatherings, historical manifestations or occasional travels, except for daily or car functioning.
- Vehicle diagnosis: Through an expert report by experts in this field, it is important to determine the historical and collecting cost of the vehicle.
To access this type of policy, the vehicle will have to comply with some needs.
- Enrollment for Historical RegisterSuch as recognized ASI or specific register;
- Occupation of the Certificate of Historical Compatibility (CRS)Which confirms compliance with the vehicle’s historical value and original explanations.
- The minimum age of a 20 -year -old car First from the date of registration or production.
The terms of the policies may vary according to the insurance company, so it is always advisable to compare different offers and check any barriers to vehicle coverage.
Vintage Car Insurance
Vintage cars are unable to rotate freely, have different insurance policy from historical cars. The main core includes:
- Urban liability auto (RCA): Required to attend authorized events and gatherings, limited to vehicle use in specific contexts;
- Stolen and fire: To protect the vehicle in the event of a loss from fire or fake reduction.
- Accidental damage: Any damage caused by vehicle covers, especially during transport or during authorized events.
- Special road assistance: Useful for vehicle recovery in case of failure, with specific services for historical vehicles that require special attention.
Unlike historical cars, vintage car policy is Limited to authorized events And it does not cover the circulation of the normal road.
What is ASI and why is it necessary
l ‘Italian Historical Automotoclb (ASI) It is a formally recognized company that confirms the historical and authenticity of cars, motorcycles and motorcycles. Registration for ASI offers multiple benefits:
- Official identity Historical value of the vehicle, which can guarantee a better vehicle positioning in the collective diagnosis.
- Break in taxesAs a decrease or discount on car stamps in many Italian areas;
- Subsidized insurance rate Offered by insurance companies for certified vehicles.
- Participated in historical events and gatheringsOften only for ASI certified vehicles.
To get Certificate of Historical Compatibility (CRS) From ASI, the vehicle should be at least 20 years old, should be kept in good condition and respect the actual features provided by the manufacturer.
Can a historical car be ensured without ASI?
It is possible to ensure historical car without entry in ASI, but there are some limits:
- High ratesWithout a historical certificate, the vehicle is considered just an old car and does not benefit from the expected decline.
- A lack of interval in taxes: Without CRS, you cannot take advantage of the reduction of car stamps.
- Limits in attending events and gatherings: Many administrators need registration in ASI to enroll in their programs.
Although not compulsory, ASI’s log is recommended for people who own historical car.
How much does insurance cost for historical and vintage cars?
The cost of insurance for historical and vintage cars is usually less than traditional policies. Annual rewards may vary 100 and 300 eurosBut rely on several factors:
- Vehicle features: Brand, model, construction and collection year.
- The use of vehicle: If only intended for rallies and events, the policy is cheaper than a car with widespread rotation permits.
- The guarantees of appliances: Extra cores such as theft, fire or breakdown can increase costs.
- The area of housing: In some areas there is a greater risk of theft or accidents.
- The driver’s age: Some companies impose at least 23 or 25 years of age for subsidized prices.
- Registration for historical registers: Reduces more policy costs.
Comparing different prices is the best way to find the most appropriate solution to your needs.
