Having a new car in the garage is one thing, having the right insurance set up is another. We'll advise you on what not to forget, so that an accident or a summer storm doesn't catch you off guard.

Buying a used car is just the first step. Right after that comes the question of insurance, which a lot of people leave to the last minute at the counter. Yet especially in August, when strong storms with hail regularly sweep across the country, it pays to have your insurance sorted out in advance.

Third-party liability insurance is the basics, but it's not enough

You can't drive without third-party liability insurance, everyone knows that. The price depends on the engine power, the region you live in, and your age, so it's worth comparing at least three offers. Bear in mind, though, that third-party liability insurance only covers damage you cause to someone else, it doesn't apply to your own car.

Comprehensive insurance: when it's worth it and when it isn't

For a newer and more expensive car, say a Škoda Superb or Karoq from our range, comprehensive insurance often makes sense because of the car's higher value. With older and cheaper models, it's worth working out whether the annual premium exceeds the real risk of damage. The excess also matters a great deal, as it significantly affects the size of your payments.

Hail and storms: why you should think about it in August

August tends to be a month of strong storms and hailstorms, which can damage the bodywork and glass within a few minutes. If you regularly park outside without access to a garage, extra cover against natural elements can be worthwhile even for a cheaper car. It's especially worth considering for vans like the Ford Transit Custom, which often stand overnight in open car parks.

GAP insurance for a financed car

If you're buying the car on credit or leasing, consider GAP insurance as well, which covers the difference between the insurance payout and the outstanding amount in the event of a total loss. Without it, after an accident you could end up paying off a loan for a car that no longer exists. Ask directly with the finance provider whether this option is included in the offer.

What to do before you sign the insurance policy

Before you sign anything, read the policy terms and check exactly what they cover and what they don't. It's also worth finding out how quickly the insurer settles claims and what experiences other clients have had. For proven cars with hundreds of thousands of kilometres on the clock, as well as those with lower mileage, like the Fabia with 54 thousand km, the insurance depends mainly on the car's value and your driver profile, not on the age of the car itself.