Follow-up on my car search — financing & insurance
Hi everyone! I posted here a while back asking for car suggestions, and now I’m back with a couple of follow-up questions.
First, does anyone have experience with dealership financing in Finland? I’ve been seeing offers with interest-free financing for a certain number of payments. How does this actually work in practice, and is it usually worth taking? I’ve heard that the advertised interest rate isn’t necessarily the whole story, so I’d be interested to hear about people’s actual experiences.
Second, I’d love some advice on car insurance, specifically for driving in Lapland.
I’ve owned a car abroad before, and with relatively basic insurance I would get things like roadside assistance after an accident and towing if the car broke down. However, I’ve already managed to completely total one car in Lapland by myself 😅, so I’m wondering whether it would make more sense to go for more comprehensive coverage this time.
For those of you living/driving in Lapland:
Is comprehensive insurance (kasko) worth it?
Are there particular types of coverage that are especially useful in the north?
Is roadside assistance/towing included in most policies, or is it something you need to add separately?
Are there any insurance companies or specific policies you’d recommend?
Any experiences or advice would be greatly appreciated. Thank you! 🫶