In the last few months I have tried my very best to insure my skoda felicia. 

 

Sadly all my effort was in vane. 

The car can't be insured at least not with reasonable premiums.

 

All insurance companies are unwilling to insure the vehicle and more so when they figure out it's a youngtimer.

 

One insurance company had the audacity to ask me cancel my youngtimer certificate to accept me. 

 

They claim insuring this vehicle is not possible because it's high liability. 

 

What's your experience guys. 

The cheapest premium was 359 euros billed annually. 

 

Edited 13 September, 20241 yr by Thefeliciahacker

Remember: 

Skoda Felicia Insurance (cost-coverages) in 2024

https://www.briskoda.net/forums/topic/520872-skoda-felicia-insurance-cost-coverages-in-2024/

 

1 hour ago, D.FYLAKTOS said:

Skoda Felicia Insurance (cost-coverages) in 2024

What insurance do you have?

This is what they could do assuming it is a youngtimer
359 Euros annually 

EUROINS 284 € per year with MONDIAL road assistantance included.

Does your car have airbag?

You are paying for 4000 euro compensation but you will never get this amount, the maximum is 2000 euro for Felicia so you pay a higher fee without a reason.

3 hours ago, D.FYLAKTOS said:

You are paying for 4000 euro compensation but you will never get this amount, the maximum is 2000 euro for Felicia so you pay a higher fee without a reason.

Its pre approved so it is 4000 euros infact they allowed me to take it up to 4800 euros if I so wished, I was in between 3500 or 4000 so I choose 4 grand
 

 

3 hours ago, D.FYLAKTOS said:

EUROINS 

Its not good my friend

If you manage to take as a compensation from (total) theft 4000 euro for a 25 years old Felicia then you are the No1 Felicia owner in GR that manage to do it.

I have seen many ''good'' insurance companies as Allianz but in the crusial moment they ''sell you up'' based in the ''tiny letters'' of the contract and they got lawers to confrontate you, you can afford a long term legal dispute with them.

The insurance companies (as i have mention in my topic) will refuse to pay you eg. for a new bumper because ''is not longer available'' and all you get is less money for an aftermarket one.

2 hours ago, D.FYLAKTOS said:

The insurance companies (as i have mention in my topic) will refuse to pay you eg. for a new bumper because ''is not longer available'' and all you get is less money for an aftermarket one.

I have a straightforward solution, if they ever think my vehicle is over insured they can always reimburse me on the physical level.
I.E. sorting out a replacement sport line, but guess what, THEY CAN'T!
Because there are no sport lines for sale in the Greek market.

Alas they HAVE to reimburse me with the agreed capital.

On 13/09/2024 at 17:43, Thefeliciahacker said:

The cheapest premium was 359 euros billed annually. 

 

In which company?

______________________

 

This is insurance aimed at owners of Classic Cars, holders of a valid and current international identification certificate (FIVA identification card).

EXCEPTIONS

This Policy is subject to exclusions some of which are: Damage to the insured vehicle

Damage to property of the insured or his family members

Use by unauthorized driver

https://www.cnpasfalistiki.com/el/cnp-asfalistiki/products/personal/motor/classic-vehicles

 

 

Maybe worth seeing if this company is truly Global?

 

https://www.hagerty.com/about-us

51 minutes ago, D.FYLAKTOS said:

In which company?

______________________

Interamerican 

53 minutes ago, Stonekeeper said:

 

hagerty.com/

 

Known from videos in Youtube but never heard about it in GR.

 

43 minutes ago, Thefeliciahacker said:

Interamerican 

 

Τhe Total package?

 

Just did a quick check on Hagerty for Classic cars

 

The Car cannot be your Main vehicle or Daily Driver

 

Qualifying for collector insurance

Vehicles must meet the following requirements:

• An extra vehicle, not for primary use
• Vehicle must be in good or better condition
• Vehicle must hold a minimum value of $3,500
• Used for pleasure driving not regular commuting, ex. shows, scenic drives, occasional drives to work, etc.
• Protected, preferably in a garage, but carport and driveway allowed in many areas

 

 

 

22 hours ago, Thefeliciahacker said:

359 Euros annually 

 

Αστική Ευθύνη

Κεφάλαιο: 1300000 €
Αστική Ευθύνη Σωματικές Βλάβες
Κεφάλαιο: 1300000 €
Αστική Ευθύνη Υλικές Ζημιές
Κεφάλαιο: 1300000 €
Φροντίδα ατυχήματος
Ρυμούλκηση συνεπεία ατυχήματος
Ζημιές από ανασφάλιστο όχημα
Πυρός
Κεφάλαιο: 3000 €
Πολιτικές Ταραχές
Κεφάλαιο: 3000 €
Στάσεις/Απεργίες
Κεφάλαιο: 3000 €
Πυρός από Τρομοκρατικές Ενέργειες
Κεφάλαιο: 3000 €
Ολική Κλοπή
Κεφάλαιο: 3000 €
Μερική Κλοπή
Κεφάλαιο: 3000 €
Κλοπή Ηχοσυστήματος
Αντικατάσταση Κατεστραμμένων Κλειδαριών
Κεφάλαιο: 150 €
Αντικατάσταση Κλειδιών
Κεφάλαιο: 150 €
Ίδιες Ζημίες από κλοπή
Κεφάλαιο: 3000 €
Κλοπή τηλεφώνου
Κλοπή Συστήματος Πλοήγησης GPS
Ζημιές κατά την κλοπή
Κεφάλαιο: 3000 €
Φυσικά φαινόμενα
Κεφάλαιο: 3000 €
Ζημιές από Χαλάζι
Κεφάλαιο: 3000 €
Έκρηξη ηφαιστείου
Κεφάλαιο: 3000 €
Ζημιές από Χιόνι
Κεφάλαιο: 3000 €
Σεισμός
Κεφάλαιο: 3000 €
Ενοικίαση/Αντικατάσταση οχήματος εξαιτίας μερικής κλοπής
Ενοικίαση/Αντικατάσταση οχήματος εξαιτίας ολικής κλοπής
Οδική βοήθεια
Νομική Προστασία
Κεφάλαιο: 1500 €
Υπεράσπιση σε ποινικά δικαστήρια λόγω θανάτωσης ή τραυματισμού απο τροχαίο.
Διεκδίκηση αξιώσεων αποζημίωσης σύμφωνα με διατάξεις νόμων περί αστικής ευθύνης
Θραύση κρυστάλλων
Κεφάλαιο: 1500 €
Ηλιοροφή
Κεφάλαιο: 1000 €
Μεμβράνες/αισθητήρες βροχής
Κεφάλαιο: 1000 €
Προσωπικό Ατύχημα
Κεφάλαιο: 15000 €
Θάνατος
Κεφάλαιο: 15000 €
Μόνιμη Ολική Ανικανότητα
Κεφάλαιο: 15000 €
Μόνιμη Μερική Ανικανότητα
Κεφάλαιο: % επί των 15000 €
Ιατρικές Συμβουλές
Παροχή Νομικών Συμβουλών & Εξωδικαστικού Συμβιβασμού

 

That's all Greek to me😉

 

kalispera

Edited 14 September, 20241 yr by Stonekeeper

5 minutes ago, Stonekeeper said:

That's all Greek to me😉

 

kalispera

 

Yes you are right but it's impossible to translate all these without a mistake but i will try. 😃

______________________________

 

Civil Liability Capital: €1300000

Civil Liability Bodily Injuries Capital: €1300000

Civil Liability Material Damage Capital: €1300000

Accident care

Towing as a result of an accident

Damages from an uninsured vehicle

Fire Capital: €3000

Political Unrest Capital: €3000

Stoppages/Strikes Capital: €3000

Fire from Terrorist Actions Capital: €3000

Total Theft Capital: €3000

Partial Theft Capital: €3000

Sound System

Theft Replacement of Damaged

Locks Capital: €150

Replacement of Keys Capital: €150

Own Damages from Theft Capital: €3000

Phone theft Theft of a GPS Navigation System

Damages during theft Capital: €3000

Natural phenomena Capital: €3000

Hail damage Capital: €3000

Volcano eruption Capital: €3000

Snow damage Capital: €3000

Earthquake Capital: €3000

Rental/Replacement of vehicle due to partial theft

Rental/Replacement of vehicle due to total theft

Roadside assistance Legal Protection Capital: €1500

Defense in criminal courts due to death or injury from a traffic accident

Asserting claims for compensation in accordance with the provisions of civil liability laws

Crystal breakage Capital: €1500

Sunroof Capital: €1000

Membranes/rain sensors Capital: €1000

Personal Accident Capital: €15,000

Death Capital: €15,000

Permanent Total Disability Capital: €15,000

Permanent Partial Disability Capital: % of €15,000

Medical Advice Providing Legal Advice & Out of Court Settlement

Not anytime anytime is not as good as the parent company

1 hour ago, Thefeliciahacker said:

not as good as the parent company

 

Yes it's subsidiary company of Interamerican but has many covers.

In the parent company i must have the Total package which is the most expensive.

 

1 hour ago, D.FYLAKTOS said:

Yes it's subsidiary company of Interamerican but has many covers.

In the parent company i must have the Total package which is the most expensive.

 

I DONT KNOW my premiums are very high