Our classic car insurance

• Vehicles with registration
• Vehicles with registration on transferable plates for which third-party liability cover already exists
• Vehicles without registration
• Vehicle age: up to year of registration 2005
• Vehicle value: up to CHF 300,000 insured value
• Only vehicles for which there is a market value that exceeds the present value of the vehicle

Vehicles parked on the street cannot be insured. At least one garage must be available (single/double garage, multi-storey car park, carport).

Insurance at market value, including market value increase of up to 20%, is included free of charge.

We do not have bonus levels and therefore do not upgrade your status after a claim.

No restrictive contract. Short and straightforward 1-year contract with 24 hours' notice period.

If at least partial comprehensive cover is agreed in the insurance contract for the classic car, simpego will cover the following costs up to CHF 2,000 per event without any deductible:

• Lock replacement: Costs incurred by the policyholder because the key to the insured vehicle has been stolen or robbed, as well as the costs incurred by changing or replacing the keys.
• Cleaning costs: Costs for cleaning the insured vehicle that were necessary due to an insured comprehensive insurance event.
• Recovery costs: Costs such as travel and transport costs, customs duties, fees and any security costs for the recovery of the insured vehicle if it has been lost or cannot be found.

Your classic car is insured at a fixed insured value.

Spare parts are also insured, provided they are stored in locked premises at your home address or at the place of storage specified in the insurance contract.

Compensation for spare parts is limited to 20% of the insured value of the vehicle, up to a maximum of CHF 20,000.

Spare parts are defined as components that are intended exclusively for use with the insured vehicle, such as additional tyres, rims, fuel pumps, exhaust systems, engine parts and similar items. Spare parts also include costs incurred for the manufacture and transport of spare parts in connection with an insured comprehensive insurance event.

Compulsory third-party liability insurance: simpego covers damage to third-party property (e.g. vehicles) or persons caused by you as the owner or driver of your vehicle. We will settle any claims that are rightfully asserted and defend you against any wrongfully asserted liability claims.

Partial comprehensive insurance covers damage to your vehicle as a result of fire, natural hazards, snow slides, theft, collision with animals, damage caused by martens and rodents, glass breakage, vandalism, assistance and falling objects.

Collision damage cover provides additional cover for collision damage on top of all partial comprehensive insurance events.

We insure all occupants in the event of accidents related to the use of the vehicle under the simpego classic car insurance policy.

In the event of gross negligence causing traffic accidents and collisions, there will be no reduction in the benefits provided by the classic car insurance, unless the driver caused the insured event while intoxicated or unfit to drive, under the influence of drugs, medication abuse or through particularly gross disregard of the permissible speed limit.

We will help you in the event of breakdowns, traffic accidents or theft by providing on-site breakdown assistance and towing the insured vehicle, organising and paying for the return journey for all occupants, any necessary overnight accommodation and the return transport of the vehicle that is not roadworthy.