Skoda Felicia Insurance (cost-coverages) in 2024

[D.FYLAKTOS]

In Greece you can make a 1 month, 3 month, 6 month or 1 year insurance for your car, some years back you could only for 6 months or 1 year but now things are more ''flexible''.

Old cars have some ''issues'' with the insurance companies because their actual value is too low and i case of ''stolen vehicle case'' you won't get as a compensation lot of money (plus you lose all the money that you have spend for upgrades, accessories etc) and it's hard to find Original Skoda parts.

Here is the list from the covarages that i have , the cost and the exemptions (in euro € )

 

Civil liability bodily injuries of third parties: 1.300.000 €

Civil liability for material damages of third parties per incident: 1.300.000 €

Extended civil liability for liquid spills, bodily injuries: 12.000 €
 Extension of civil liability for liquid leakage, material damage: 8.000 €
 Personal driver accident: 5.000 €
 Fire insurance: 2.000 €
 Total theft (stolen vehicle): 2.000 €
 Partial theft (parts stolen): 2.000 € (exemption 200 €)
 Damages from a thief: 3.000 € (exemption 200 €)
 Audio system: 400 € (exemption 200 €)
 Locks damages: 400 € (exemption 200 €)
 Fire from terrorist action: 2.000 €
 Fires from strikes-demonstrations (vandalism): 2.000 € (exemption 300 €)
 Material damage from the spread of fire: 10.000 €

Material damage from an uninsured vehicle: 6.000 €
 Retention of bonus malus: Apply
 Broken glass (windows, windshields etc): 1.000 € (exemption 150 €)
 Legal advice: 600 €
 Legal protection (Lower in court): 3.000 €
 Vehicle replacement (as long as the other one is under repair): 600 €

Record theft (documents of the car): 200 €
 Natural damages (hail, floods, etc.): 2.000 € (exemption 300 €)
 Accident care (insurance agent comes to the place of accident for report etc): Apply
 Roadside assistance: Apply
 Material damage caused by an at-fault vehicle with foreign license plates:  6.500 €
 Discount (old customer): Apply

 

For ALL these for 1 year insurance i paid 284 € (last year was 279 euro).

 

I am interested to know, in other countries the Felicia owners what they pay?

You have more or less coverages? Total cost?

 

PS: there is another kind of insurance, the Mixed car insurance (or Own damage insurance) includes the repair by the insurance company of the material damage to your vehicle in the event of an accident, even if the driver is responsible for the accident.

This is the most expensive insurance package and provides the widest range of coverage possible, usually is made by rich people for their expensive cars (lucury, supercars).

[nta16]

That should open the eyes of those in the UK that moan and whinge about car insurance and the cost of it!  That is very restrictive compared to the car insurances we have, I won't tell you the cover and cost of the insurance I had on the Midget otherwise it might make you (and others cray). 😀

In the UK there are lots of factors that affect the cost of the insurance many of them personal so the same car can vary a lot in cost  for different people in different circumstances to insure.  Many men in the UK misunderstand the insurance cover and whinge about it, some think it's all a total rip-off and some insurance providers and their staff can help with this impression.

 

here to legally drive the car on the road you must have at least the minimum of Third Party cover, then Third Party, Fire & Theft, and on to Fully Comprehensive often it can be just as, or most, economical to have the Fully Comprehensive and add another named driver.  The amount of "Voluntary Excess" (in addition to any excesses in the policy) that you are prepared to pay can made a big difference to the the premium (cost), personally we have nil (£0) usually or if that isn't available the minimum (£50 or £100) this may increase the premium but not by a lot for us.

 

Most in the UK use comparison website sites to get quotes and insurance but this would not be the best method perhaps for such a car as a 23 year old Felicia (and modified) or other cars often but we all dislike looking for car, home and other insurances every year so too often go the comparison website routes and the websites and insurers gain from this and the customers whinge, or some think they got a great deal whether they actually did or not.

 

So in conclusion, insurance cost in the UK will vary so much as not to be really comparable to each other let alone to outside the UK plus the cover would also vary, as an example there would be no limit to third party medical injuries.  Most people wouldn't consider the full cost of many accidents and the many years a claim could be ongoing particularly with medical injuries.

 

[apd007]

Certainly an eye-opening question. My Felly renewal came through this week, insurance runs out end of the month. Fully comprehensive, which means the insurance company will pay to repair my car even if the accident is my fault, is £261. That also includes business miles, so I can use the car for work if I need to go to site.

 

Not sure on the exact details as per the OP breakdown, but I do have windscreen cover, courtesy car, driving in the EU, driving other people's cars and personal belongings cover. My excess is also normally £0, or as close to that as I can make it.

 

EDIT :- To clarify, that is £261 for the year.

 

Edited 3 February by apd007
update

[xman]

11 minutes ago, apd007 said:

Fully comprehensive, which means the insurance company will pay to repair my car even if the accident is my fault, is £261.

 

 

An old car with a market value of virtually nil, difficult and expensive to source parts and difficult to repair due to its age.

 

Your car will invariably be written off if you make any claim, market price is all they will offer according to their indusrty bibles such as Glasse's guide.

 

 

[apd007]

I'm well aware of that, the car has been written off once before and I bought it back, got it repaired and carried on driving it for another 10 years. Parts aren't that hard to get either, wings and rear arches are available, and even complete front end panels, so it depends on what gets damaged.

[D.FYLAKTOS]

The law here is:

Driving a vehicle without insurance entails the imposition of the following administrative penalties:
Removal of license plates, Driver's License and Registration for 6 months
Fine €500 for cars and €250 for motorcycles.
Causing an accident by a vehicle without the above-mentioned special sign, results in the removal of plates and the license for 2 years.

 

3 hours ago, nta16 said:

here to legally drive the car on the road you must have at least the minimum of Third Party cover

 

According to the Law:

In car insurance, only civil liability towards third parties and civil liability for damages are mandatory – that is, the 2 coverages that enable the insurance company to compensate third parties or damage to objects, in the event of your own accident.

 

Some choose this only (drivers with Carburetor cars or Elders which they don't use their cars except some occasions per year) or because they are ''cheapy guys" (as we call them), according to their comments: ''it's will not broke in the middle of the road, i don't need Road Assistance because i will find a friend to carry me, i drive slow so i don't need a Lawyer, i don't drive in very bad weather, it's an old car nobody is going to steal it" etc so they pay about 80-100 € per year buy keep in mind that in any bad circumstance they will have to pay later hundreds of euros and many of them regret for their initial decision.

 

3 hours ago, nta16 said:

Most in the UK use comparison website sites to get quotes and insurance but this would not be the best method

 

Same here buy this may have a ''trap", some cheap companies vanished one day without a warning and let their customers ''exposed'' so they lose their money and have to pay extra to find another company, some say that their representative is in GR but headquarters are in Bahamas or Romania or Majorca etc and only a naive will trust such a company.

 

[nta16]

3 hours ago, D.FYLAKTOS said:

Same here buy this may have a ''trap", some cheap companies vanished one day without a warning and let their customers ''exposed'' so they lose their money and have to pay extra to find another company, some say that their representative is in GR but headquarters are in Bahamas or Romania or Majorca etc and only a naive will trust such a company.

That is different here as so few companies actually cover the mass market though they have different brands and companies.  The comparison sites don't have dodgy companies on them though the "cheap" ones may  have everything outsourced and dealt with from outside the UK.

 

As often happens with other stuff the "cheap" insurances are often fine until you need to make a claim and then they may turn out to be more expensive than some of the "expensive" alternatives.

 

Edited 3 February by nta16
spelling

[D.FYLAKTOS]

Quote

For example, the usual factors that affect the cost of the insurance policy are:

#1 The age of the driver

New (N) drivers (licensed for less than 1 year or under 23 or both) are considered high risk drivers by insurance companies and therefore pay more for the same coverage than other drivers (premium).

 

#2 The use of the vehicle (Car, Motorcycle, Truck, etc.)

The use of the vehicle plays an important role. Different pricing applies to passenger cars, utility vehicles, trucks and two-wheelers due to the difference in the amount of damage they cause due to use.

 

#3 The characteristics of the vehicle (cc, horsepower, year of manufacture, etc.)

Horsepower can also affect the price of the fuse. Some insurance companies do not insure or charge premiums for GT, RALLY, TURBO type vehicles. Of course, this does not apply to the compulsory civil liability insurance.

 

#4 The amount of the exemption

Exemption is a predetermined amount, below which the insurance company will not compensate you for the damage to your vehicle. This amount varies from insurance to insurance and from cover to cover. Most of the time, it even drastically affects the cost of mixed car insurance, i.e. the one that also contains Own Damage coverage. The higher the deductible amount, the lower the car insurance price.

 

#5 The damage history

The less you "cost" your insurance company, the less it charges you. Most insurance companies offer a discount for every year you don't cause a claim, usually over a five-year period.

 

#6 The geographic region

In urban centers the risk is considered greater, because as the number of cars in circulation increases, the more frequent the damages become. Cities also have higher crime rates. Systems such as alarms, immobilizers and vehicle detection and tracking devices lower the value of machine and car security.

 

#7 The duration of the insurance coverage

As the figures show, annual insurance has more affordable monthly premiums than half-monthly or other shorter-term policies.

 

#8 The profession

Insurance companies also rely on statistics that show the reliability of drivers. For example, civil servants enjoy discounts of up to 25% from some companies, as they appear to be more cautious in driving, therefore safer. Special discounts also apply to those in uniform, as well as the unemployed, thus reducing security costs.

 

#9 Conditions in the insurance market

The increase by the state of the liability limits for civil liability towards third parties, the increase of the reserves for each insurance company in accordance with the harmonization in the EU directives. and the imposition by the state of special taxes, are key factors in increasing the cost of insurance.

 

So every insurance contract may differ from another, there are so many parameters.

Even the same car from area to area can have a different insurance status.

 

1 minute ago, nta16 said:

As often happens with other stuff the "cheap" insurances are often fine until you need to make a claim and then they may turn out to be more expensive than some of the "expensive" alternatives.

 

Correct, that's why we don't trust new companies (we call them ''Comets" here) and prefer well-known, now there are reviews posted in forums-Google etc so you can have an idea before you sign anything.

[nta16]

1 hour ago, xman said:

An old car with a market value of virtually nil, difficult and expensive to source parts and difficult to repair due to its age.

 

Your car will invariably be written off if you make any claim, market price is all they will offer according to their indusrty bibles such as Glasse's guide.

1 hour ago, apd007 said:

£261. That also includes business miles, so I can use the car for work if I need to go to site.

 

Some "classic" or "vintage" car insurance companies may offer cars over 20 years old "classic" (there's no such thing it's just a name) insurance polices, they're not on any comparison sites AFAIK and they don't have to be known names necessarily.  And I'm not talking about the old farts' type of policies  of limited mileage, not using the car out of daylight, having it locked away in a garage, factory standard only. 

 

Until 2 years ago for 30+ years I used various "classic" cars as dailies, for work, leisure, pleasure.  The last  policy which I had for 13 years (not business use with this car) was for fully comp, wife also as driver, modified, parked on hard(luck) standing, no excess, real agreed value, windscreen, IIRC unlimited mileage, legal cover, UK & Europe breakdown & recovery all thrown in at no extra charge.  IIRC £110 two years ago, I could have got it for less but I had used the breakdown and recovery a few times times and windscreen a couple times more,  One time I put diesel in, proper AA wrong fuel van (only ones to have it the very nice AA man told me, side-line in trailering classic cars too).  All call-outs never affected the premiums and the service was good from this and policy cover as mentioned so I was happy with what I got.

 

[Ickedickedoa]

Hello.

Have only been reading here until now, but since you asked for input...

I am born 1985, living outside a small town in Sweden.
I have a Felicia 1999 that is fully insured and I pay ~ £140/year.

Don´t know the exact numbers but if I am to blaim for a crash, I´ll pay around £250 that is of course if I wasn´t reckless or drunk or something like that.

Those £250 will be deducted from my payout for my car.

Not a clue what they think my car is worth... probably not much and that´s fair since I didn´t pay a lot for it.

I am the second owner of the car and have put a lot of effort into making it look, run and drive descent.

[D.FYLAKTOS]

On 03/02/2024 at 14:24, nta16 said:

Most in the UK use comparison website sites to get quotes and insurance but this would not be the best method perhaps for such a car as a 23 year old Felicia (and modified)

 

The insurance companies here don't ask or don't examine if your car is modified (ECU chip or exhaust etc) although when you ask for extra i.e Broken Glass they ask for 4 photos with today's newspaper headlines visible to prove that the car has all the glasses and they are intact.

If you add more coverages an insurance agent asks you to have a meeting to see your car by close.

[nta16]

Just about everything over here is done over the internet or phone and all is about self declaration on the application forms.  Not many use insurance agents or brokers face-to-face and the car is never seen let alone inspected and never has AFAIK.  They would be hard pushed to get photos showing today's newspapers as it's generally only the old that still buy printed paper newspapers (and the local paper is weekly not daily).

 

On Agreed Value' for the likes of classic cars it depends on the insurer, my last insurer just wanted 2 recent photos and a declaration form filled in every two years for a value up to £15k above that it was a valuation from say a owners club specialist.  Very high valve classics I expect would included more.

 

Very high value new modern cars AFAIK don't involve any more than the cheapest new car certainly not an inspection as all is on the manufacturers' computer system and once registered on state systems.  Car parts and other companies use these systems so entering a registration plate (doesn't have to be your car) and you get the car details including the VIN missus three or four characters, certainly the engine number in full.

 

I am sure many here fail to declare modifications and get away with it but if there is a serious accident or insurance claim then the car will be inspected and there might be repercussions from any non-declarations.

 

[D.FYLAKTOS]

If you have done serious modifications in your car then in case of an accident this can turn to you as boomerang.

The insurance company will send an experience employee and of course don't expect to take a compensation if your super-fancy lowered bumper broke in a ramp.

The huge-out the limits engine modifications (as big turbo) can "bite you" in the Court of Law in case of accident because first of all the prosecutor and the lawyer will mention this and the judge won't show mercy.

[D.FYLAKTOS]

COMPENSATION FOR MATERIAL DAMAGE DUE TO TRAFFIC COLLISION.  

REDUCTION OF SPARE PARTS PURCHASE EXPENSES DUE TO OLD VEHICLE
 2021
 An unprecedented decision of the Magistrate's Court reduced the purchase cost of specific spare parts but also the labor cost of installing these spare parts as inflated, judging that the car was old and therefore there was no need to install a new spare part but a used one.  

For this reason, he reduced the award of the purchase amount of spare parts by 60% and repair work by 50% .....

However, the age of the car (Renault Megane, with a 1598cc petrol engine) and date of first release 2003 which exceeded 16 years at the time of the accident, does not justify the installation of a new spare part.

 

[nta16]

Yes Insurance companies have authorised the use of used parts for a while now, covid, chip, and other shortages have encourage plus the ply to recycling/environment.  For very old cars (30+ years old) many of the parts, certainly not all, were better made and will fit without alterations and work beyond a new part's life.