Every year, tens of thousands of vehicle insurance policies flow through Verzuz. So what would we watch out for?
Liability or comprehensive?
A simple rule: if your car is less than 5 years old, or it’s worth more than CZK 300,000, or it’s leased, comprehensive insurance makes sense. Without comprehensive, even a minor accident can cost you CZK 30,000 to 80,000.
Mini risk cover as a compromise
It covers natural hazards, vandalism and collisions with animals. It doesn’t cover your own mistakes. For drivers who drive carefully and mainly worry about parking lots and hail, it’s a sensible middle ground.
What to watch out for in the package
The deductible. Keep an eye on it.
Territorial scope. A standard policy covers the EU. Turkey, Morocco and other popular destinations outside the EU are usually not covered without an extra charge.
Windshield cover. Replacing the windshield on a modern car with sensors costs CZK 15,000 to 40,000. The add-on costs a few hundred crowns a year.
Replacement vehicle. Everyone appreciates it only once they don’t have one.
Where to cut if price is the issue
Raise your deductible: going from 5% to 10% can save you as much as 20% on your annual premium. And compare every year. Loyalty to a single insurer costs you 10 to 20% in overpayments on average.
