Comprehensive Car Insurance (Kasko)

Kasko is optional comprehensive motor insurance that covers damage to your own vehicle according to the policy terms. Compulsory traffic insurance only pays for damage you cause to others; kasko protects your own car against collision, fire, theft and similar events.

The two do not replace each other: traffic insurance is a legal requirement, kasko protects the value of your vehicle. We help you choose the kasko package that fits your car’s age, how you use it and your budget.

Cover depends on the insurer and the package you choose. Kasko policies typically include:

• Damage from your vehicle hitting, colliding, overturning or falling
• Fire, lightning and explosion
• Theft or attempted theft of the vehicle or its parts
• Malicious acts of third parties

Optional covers, depending on the package: earthquake, flood, terrorism, glass breakage, excess liability (İMM), personal accident, legal protection, replacement car and minor repairs. We show you exactly which covers are in your policy when we prepare the quote.

• Situations excluded in the policy and optional covers you did not add
• Damage in circumstances excluded by the policy terms, such as driving under the influence of alcohol or without a valid licence
• Wear and tear or breakdowns caused by lack of maintenance
• The deductible (the amount you pay yourself), if your policy has one

Exclusions are written in the insurer’s general and special conditions. Before you sign, we go through the most important ones with you.

The kasko value is the market value used when the vehicle is damaged or stolen. It is based on the kasko value list published regularly by the Insurance Association of Türkiye (TSB).

The main factors in the premium are:

• Make, model, model year and kasko value of the vehicle
• Type of use (private or commercial) and the province where the vehicle is registered
• Your no-claims level (kasko has its own no-claims discount, separate from traffic insurance)
• Optional covers, the deductible and whether you choose contracted repair shops

You see the exact premium in the quotes we prepare for your vehicle from several insurers.

Some kasko packages require repairs at the insurer’s contracted repair shops; these packages are usually more affordable. If you want repairs at an authorised dealer or a workshop of your choice, you need a package that allows it. Whether original or equivalent parts are used also depends on the package; we set out these differences clearly when comparing quotes.

• The registered owner’s Turkish ID number (tax number for company vehicles); foreign residents can use their foreign resident ID number
• Licence plate number and vehicle registration certificate (ruhsat) serial and document number
• Your current kasko policy and its expiry date, if any (your no-claims discount carries over)
• Details of any added equipment (sound system, rims, etc.)

Our office is inside the Maslak Atatürk Auto Industrial Estate (Atatürk Oto Sanayi Sitesi). While your car is in for service, you can drop by and arrange kasko, traffic insurance and Green Card cover in one place. If you have a claim, we explain what to do step by step and follow the claim file with you. We also serve customers in Sarıyer and across Istanbul by phone and WhatsApp.