"How much does casco cost?" is the most common question, and the one that can't responsibly be answered with a single figure. The premium is the product of many factors, and even two similar cars can end up an order of magnitude apart. What we can and should do is explain those factors openly – so you understand what they depend on, and where you have room to manoeuvre.
- The main premium factors: your car's value, age and type, regional risk, the deductible, mileage, claims history and security.
- You have the most room to manoeuvre in your choice of deductible and in how you tailor the scope of cover – that's where smart adjustments happen.
- We don't quote a specific premium here: that emerges from your own details – from competing quotes from several insurers, side by side in one table.
The vehicle side: value, age, type
The car's value carries the most weight: a higher value means a higher possible claim. The model matters through its own claims statistics: parts prices, repair costs and theft exposure all vary by model. Age has a double effect: as the value falls, the premium base falls too, but the question of depreciation becomes more prominent. The drivetrain can play a role too – electric cars, for example, have a distinctive claims profile.
The usage side: where, how much, who?
Regional risk is built from claims statistics: dense city traffic brings more collisions, and some areas bring more theft. Annual mileage is a measure of exposure: the more you're on the road, the more risk you run. The circle of drivers matters too – age, driving history – which is why a young driver in the family gets its own article. And this is where claims history comes in: claim-free years earn a discount under many policies.
The contract side: where you set the dials
The deductible is the strongest lever you control yourself: higher deductible, lower premium. Scope of cover is the second: full cover or partial casco, with which add-ons. Security devices (alarm, tracker) can count on the theft side. Payment method and frequency can also be a factor. The bottom line: the premium isn't fate, it's the result of your settings – and smart tuning doesn't chase the lowest price, but the right balance between price and cover.
Curious where the market stands for your own details? Let's request competing quotes. book a free 20-minute consultation →
