Insurance and registration in Germany

[lexon]

Hello everybody!
I have a question to people who own Pagoda (or others old-timers) in Germany. I have my Pagoda in Germany with german plates with "H" at the end (means old-timer) and annual insurance from "Zurich" for 194 eur.
What is the best way to reduce annual tax and insurance? I asked to calculate "Season insurance" (April till October) and it's 140 eur. But for season driving I should change my plates and pay for it.
Is it possible to receive a certificate of cultural object or smth similar to reduce taxes? What is your experience?

Thank you.

[WRe]

Hi,
cars with H-Plate can' t have seasons plates in Germany,  tax is reduced for Oldtimer - as they are called here when older than 30 years - to a fixed amount, at the moment 191,73 Euro/year.
Cars with low cylinder capacity (e.g. Fiat 500, 2CV) disclaime their 'Oldtimer status' because  for them it's cheaper to pay regular taxes or have a seasons plate.
Other possibilities do not exist afaik.
...WRe

[lexon]

So if I have 192 eur taxes and 194 eur insurance for Pagoda - it's no way to reduce it and to make all cheaper...
Only +/- with insurance.

[Cees Klumper]

The best way to reduce your cost of ownership of this car is to do all the work yourself and drive it very little!! (gas consumption). Compared to the garage and gas station bills this tax and insurance will seem like nothing at all.

[jameshoward]

You could pay 194 euros per 'seasonal' year and you want to reduce your insurance? Do I have that right?? Seriously?

I paid about 700 euros a year for my pagoda with AXA (needed a valuation also, which was about 150 euros). I'd keep quiet if I were you; it sounds like you're onto a winner!

[lexon]

Thanks to all for answers. It's better to ask perhaps a stupid question than to have no information at all.

[Cees Klumper]

Well, in another thread I expressed my pleasant surprise at the cost of my Pagoda's annual insurance in France: 40 euros ... In Switzerland it was more like 700. So not a stupid question at all, you never know.

[jameshoward]

Not a stupid question at all, but I'd suggest that you're doing very well with the quotes you've got. I paid around £170 in the UK for an agreed value policy; 4k miles; garaged, etc. The policy in Germany gave greater freedoms (not that I needed/asked for them) but cost about three times more, plus the car needed a 'professional' third-party valuation (which was a complete joke as it turned out; the guy they sent me to knew nothing about the cars).

The US is not cheap for classic car insurance, either. I think here I'm paying about $500 for the most restrictive policy I've seen. Agreed value again, but not requiring a third party valuation. To date, the UK cover has been the best and cheapest.