The moment the keys change hands, the car's risk changes hands too – but casco doesn't transfer with it: the seller's policy typically ends once their insurable interest lapses. That uncovered window in the first few days is one of the least-known risks of buying a used car.
- The seller's casco policy doesn't carry over – the buyer needs their own policy, ideally from the moment of taking possession.
- For theft cover, insurers typically request a condition assessment or inspection – full cover starting may depend on it.
- Alongside the post-purchase admin (registration transfer, MTPL), the casco decision is also time-sensitive – don't leave it to the bottom of the list.
The first few days: where's the uncovered window?
The typical pattern: you buy the car on Wednesday, take a family trip at the weekend, and decide on casco "sometime next week". That window is open at exactly the worst time: nobody knows the new car yet, the routes are unfamiliar, and the car often still lives with its old spare keys. The goal, then, is to make the casco decision TOGETHER with the purchase – you can already request a quote using the details of the car you've got your eye on, and time the policy to start when you take possession.
Inspection and condition assessment – why does the insurer ask for it?
With a used car, the insurer has no way of knowing the condition of the risk it's taking on – so it typically asks for a condition assessment: photos, sometimes a physical inspection, recording any existing damage. This protects you too: the recorded condition is the starting point for any later claim. The practical consequence: some types of cover (typically theft) may apply only in limited form until the inspection – the exact rule depends on the policy: when cover actually starts.
The post-purchase casco checklist
1) Before the purchase: a realistic picture of the car's value and the likely level of cover needed – is it worth it, and at what level. 2) At the point of purchase: the sale contract, the number of keys, and photographing any existing damage. 3) Immediately: taking out MTPL cover (a legal requirement – kotelezo.biz) and deciding on casco. 4) In the first week: booking the inspection, declaring extras, and thinking through locks and keys (copies of unknown history!). 5) When you receive the policy: checking the details – registration number, chassis number, equipment.
Just bought a car, or have your eye on one? Let's get a quote before you even take possession. book a free 20-minute consultation →
