Vehicle

Comprehensive Car Insurance (Kasko)

Damage, theft, wide protection

Comprehensive car insurance — everyone in Turkey calls it kasko — covers damage to your own car. That is the difference from traffic insurance: traffic insurance pays for the damage you cause to other people, kasko pays for yours. One does not replace the other — they work together.

What it covers

Collision

Damage to your car, including when the accident was your fault.

Theft

The car being stolen, or damage caused during an attempted theft.

Fire and explosion

Fire, explosion and the damage that follows.

Natural events

Flood, hail, storm, lightning. Varies by policy; some insurers require this as an add-on.

Damage by third parties

Malicious acts, scratches while parked, stone damage.

Optional add-ons

Replacement car, glass cover without excess, minor repair, cover abroad, legal protection.

What to watch for

Damage caused while driving under the influence or without a valid licence is not covered.
Racing, speed trials and similar use fall outside the policy.
Wear, tear and faults caused by lack of maintenance are not treated as damage.
Payment is based on the car's market value at the time of loss, not the price on your invoice.
If the policy carries an excess, that part of the claim stays with you. Zero-excess options cost more in premium.

Who it is for

Anyone for whom the value of their car is a serious sum. It is close to standard on new cars; on older ones the decision comes down to comparing the premium against what the car is actually worth.

What we add as a broker

In kasko the difference between insurers is less about price and more about the fine detail: one gives you a replacement car for seven days, another for fifteen; one waives the glass excess, another does not. We compare 30+ insurers on an identical cover set and show you the differences in writing.

Frequently asked

If I have kasko, do I still need traffic insurance?

Yes. Traffic insurance is compulsory by law and covers the damage you cause to others; kasko protects your own car. Neither replaces the other.

Does my no-claims discount move to a new insurer?

It does. The kasko no-claims step belongs to you, not to the insurer, so it transfers when you switch. We factor your step in from the first quote.

What does excess mean?

The part of a claim you carry yourself. A higher excess lowers the premium. It makes sense if you are willing to absorb small claims; otherwise a zero-excess option usually works out better.

Let us compare 30+ insurers on an identical cover set for comprehensive car insurance (kasko).

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