Classic car insurance cost in Belgium

A classic car costs €317 to €2,850 a year to insure for liability and omnium, with a median of €425 across 57 real quotes. Under €45,000 of value, 20 of 32 quotes land at €392 or €400. That is a third of a Golf's full omnium, but it is not a saving: the classic sits on top of your everyday car.

How much does classic car insurance cost in Belgium?

The premium depends mostly on the agreed value, the amount fixed in advance with the insurer. The broker Mortelmans publishes 57 classic car quotes, liability and omnium included, dated March 2025 to October 2026. I grouped them by value band.

Source: Assurances Mortelmans oldtimer page, consulted 12/10/2026. Bands, medians and ratios are calculated here.

Why do so many quotes land at €392 or €400?

Because these quotes show a visible floor. Of the 57 quotes, 20 show exactly €392 (11 quotes) or €400 (9 quotes). Under €45,000 of value, that is 20 of 32. A Ford Probe at €5,000 and a Mustang at €25,000 pay the same, within €8.

The broker does not publish its rate grid. The floor is therefore an observation, not a rule, and another intermediary may show €330 or €430.

Do mileage and driver age change the price?

Not at the floor. I isolated the 32 quotes for cars under €45,000 so that value no longer distorts the comparison.

This site's reference profile, 35 years old in Flemish Brabant, therefore falls in the €392 box. The sample is small and comes from a single broker: read it as an order of magnitude. On an ordinary car, age and the degree on the bonus-malus scale (the 0 to 22 scale that adjusts your premium after claims) weigh much more.

Is a classic cheaper to insure than an ordinary car?

Per euro insured, yes, almost five times cheaper. In absolute euros the comparison misleads, because the classic is a second car. Take a €30,000 classic at €392 and the reference profile's Golf, whose full omnium costs €1,135 a year (rate grid of 26/01/2026) for a real value of about €18,000 at three years old.

The Golf costs 2.9 times more in euros and 4.8 times more per euro insured. The classic is still an extra €392 a year, not a replacement. The mechanism is the same as for pay-per-kilometre insurance: the insurer prices a low risk, it is not doing you a favour.

Do you need omnium on a classic, or is liability enough?

It comes down to one subtraction. The insurers that publish a liability-only amount for classics show the following, according to the HelloSafe comparison whose page was modified on 24/04/2024.

The calculation uses the €100 to €181 range, which brackets a 35-year-old driver. Omnium then adds 392 − 181 = €211 to 392 − 100 = €292 a year. Set against €30,000 of agreed value, that is 0.70 to 0.97% a year, or €2,110 to €2,920 over ten years. Omnium pays off if the yearly risk of theft, fire or total loss exceeds that threshold.

It matters most on a car you cannot replace. A deductible applies: P&V's information document for its Oldtimer product (2025) states 2.5% of the insured value, or €750 on €30,000. The two sources are not dated the same day, so the result remains an in-house calculation.

What conditions must you meet to get this rate?

Four conditions recur from one insurer to the next, and they decide eligibility before price.

• The car is 30 years old or more with an O plate, according to assurance.be (June 2026 page). Insurers sometimes keep a 25-year threshold for reduced rates.
• Use is reserved for leisure, with no daily trip and no paid transport.
• Several insurers require a second, everyday vehicle that is already insured, sometimes with them.
• The technical inspection falls every two years between 30 and 50 years of age, then every five years, according to RGF Group.

A badly set agreed value spoils everything else. It is negotiated with the insurer, often on an expert's valuation, and it is the figure that applies in a total loss. The mechanism is detailed in our article on total loss.

When does the €392 rate stop holding?

As soon as the value passes roughly €40,000. Between €40,000 and €79,999 the median rises to €558, with a maximum of €847. Above €80,000, 14 quotes give a median of €683 and a ceiling of €2,850 for a €850,000 Ferrari.

The premium therefore climbs more slowly than the value: 0.34% of value for the Ferrari, 0.70% for a €240,000 Porsche 993 Turbo (€1,688), 2.6% for a €12,000 Triumph Spitfire (€317). The dearer the car, the less the premium weighs in proportion.

How do you get a reliable quote for a classic?

Ask for at least three quotes with the same agreed value, the same deductible and the same mileage. The quote method applies here as elsewhere: a headline rate without an agreed value is not comparable. For your daily car, run the simulator and then the comparison tool.

Method, reference profile and sources

Recorded on 12/10/2026. The 57 quotes come from the Assurances Mortelmans oldtimer page: liability and omnium, agreed value, quotes dated 25/03 to 26/10 (read as March 2025 to October 2026), premiums including tax. One quote mentions commuting use, which we keep without interpreting it. Bands, medians, ratios and gaps are in-house calculations.

The site's reference profile is a 35-year-old driver, Golf 1.5 TSI, Flemish Brabant, no claims for five years, around 15,000 km a year. The €1,135 full omnium comes from the Mon-Assurance-Auto grids (Yago S.A., broker registered with the FSMA under number 114863), recorded on 26/01/2026. The €18,000 real value is an unattributed market range, taken from our total loss article. Classic liability rates come from HelloSafe (page modified 24/04/2024, consulted 12/10/2026), the age limit and conditions from assurance.be (June 2026) and RGF Group, and the deductible from the P&V Oldtimer information document.

This site compares and calculates. It does not sell insurance, is not an intermediary and gives no individual recommendation: speak to your insurer or to a broker registered with the FSMA, the Belgian financial regulator. The Insurance Ombudsman handles disputes free of charge, Wikifin explains the covers, and the Act of 4 April 2014 governs the contract. No affiliation, and no insurer pays for this article.

Verdict in numbers

A modest classic is insured for around €392 a year for liability and omnium, €743 less than a Golf's full omnium, but on top of it. Beyond €40,000, the premium follows the value. Insurer-by-insurer detail: ranking of the best car insurers. To lower your daily car's premium, see how to lower your premium and the cost of comprehensive insurance.