When moving to the Czech Republic and looking for affordable car insurance, it is essential to understand the system, especially if you don't speak Czech. Here's a helpful guide tailored for foreigners to navigate car insurance in the Czech Republic.
Getting cheap car insurance in Prague follows the general principles of car insurance in the Czech Republic, with some additional factors due to the city's size and traffic. In Prague, premiums may be slightly higher than in rural areas due to the increased likelihood of accidents in a busy urban environment. Popular insurers like Direct Pojišťovna, Allianz, and Kooperativa offer comprehensive online services that allow foreigners to handle their insurance needs in English, which can be a major advantage if you don't speak Czech. Additionally, these companies often provide app-based solutions, where you can manage your policy, report claims, and even arrange for vehicle inspections.
Types of Car Insurance
In the Czech Republic, compulsory liability insurance (known as povinné ručení) is mandatory for all vehicles. This insurance covers damages you may cause to other vehicles, property, or people in an accident. Additionally, you may want to consider comprehensive insurance (havarijní pojištění), which covers damages to your vehicle, whether caused by accidents, theft, or natural events.
Key Factors Affecting Insurance Prices
Car insurance prices in the Czech Republic depend on several factors, including:
- Vehicle Type and Age: Older or more powerful cars usually have higher premiums.
- Driving History: Some insurers will offer discounts if you provide a "no-claims bonus" from your previous country.
- Location: Drivers in bigger cities like Prague tend to pay more due to the higher risk of accidents.
- Insurance Bundles: Combining multiple insurance policies, like home and car insurance, can also lower the cost(
How to Find the Best Deal
Several companies in the Czech Republic cater to English-speaking clients. ePojisteni.cz and Srovnátor.cz allow you to compare over 500 types of car insurance. These websites often offer significant savings, and you can handle the entire process online. Direct Pojišťovna also has an easy-to-use app, providing English-language services.
Companies like Allianz even offer English-speaking consultation sessions to guide you through the insurance process. Their "English Wednesdays" at their Prague office are especially useful if you need face-to-face assistance (Expats.cz).
Useful Add-ons for Foreigners
When driving in a foreign country, additional coverage can be valuable:
- Breakdown Assistance: Ensures you have support if your car breaks down.
- Theft and Glass Insurance: Protects against theft and damages like broken windows, which are more common in urban areas (InfoCizinci).
In conclusion, while the Czech insurance market might seem complex, there are plenty of options for foreigners. By comparing policies online and using companies with English support, you can find affordable and reliable car insurance suited to your needs.
- Maria T. Vullo, Superintendent
- (Northeast Zone)
- New York State
- Department of Financial Services
- One State Street
- New York, New York 10004
- Phone: 212.709.3500
- Fax: 212.709.3520
Department of Insurance
To request professional legal assistance with an insurance question or file an insurance-related complaint online, please visit website of - State insurance commissioners. Would you like to know if an insurance company is licensed in New York or any other U.S State? How much does Škoda car insurance cost? To speak (chat) with a Division of Insurance Consumer Services representative please follow the link above. Remember, your Škoda car insurance has to be purchased through an agent licensed in your State.
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