Pagoda SL Group

W113 Pagoda SL Group => General Discussion => Topic started by: lexon on September 30, 2016, 10:27:54

Title: Insurance and registration in Germany
Post by: lexon on September 30, 2016, 10:27:54
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.
Title: Re: Insurance and registration in Germany
Post by: WRe on September 30, 2016, 10:54:10
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
Title: Re: Insurance and registration in Germany
Post by: lexon on September 30, 2016, 12:01:20
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.
Title: Re: Insurance and registration in Germany
Post by: Cees Klumper on September 30, 2016, 18:06:00
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.
Title: Re: Insurance and registration in Germany
Post by: jameshoward on September 30, 2016, 23:59:25
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!
Title: Re: Insurance and registration in Germany
Post by: lexon on October 01, 2016, 10:45:51
Thanks to all for answers. It's better to ask perhaps a stupid question than to have no information at all.
8)
Title: Re: Insurance and registration in Germany
Post by: Cees Klumper on October 01, 2016, 16:23:48
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.
Title: Re: Insurance and registration in Germany
Post by: jameshoward on October 01, 2016, 17:29:41
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.