What is Kasko?
Kasko is Turkey's voluntary comprehensive motor insurance. Unlike the mandatory Traffic Insurance (ZMS), which pays for damage you cause to others, Kasko covers damage to your own vehicle regardless of fault.
Policies are typically offered at three levels: Mini Kasko (collision only), Standard Kasko (collision, fire, theft, natural disasters), and Full/Extended Kasko (adds glass, flood, electrical damage, and more). As an independent broker, Neolife Group compares multiple insurers to find the best package for your needs.
Excess (franchise): Most Kasko policies include an excess — the portion of each claim you pay out-of-pocket. A higher excess lowers your premium; a lower excess reduces your cost at claim time.
Coverage
Collision and accident
Collision
Damage to your vehicle from impact with another vehicle, object, or barrier.
Rollover
Damage from the vehicle rolling or tumbling along its own axis.
Single-vehicle accident
Loss-of-control incidents without a third-party vehicle.
Theft and fire
Vehicle theft
Compensation at insured value if the vehicle is stolen.
Fire
Engine, electrical, or externally caused fire damage.
Attempted theft damage
Broken glass, forced locks, and damaged electronics from a theft attempt.
Natural events and external causes
Flood and inundation
External flood or rising-water damage to the vehicle.
Storm and hail
Wind, storm, or hail damage — scope depends on the policy tier.
Falling object
Damage from trees, roof tiles, or other objects falling onto the vehicle.
Excess selection: A high excess may feel cost-effective on paper but can be expensive if you make frequent claims. We help you find the right premium/excess balance for your driving profile.
Insured value: Set your vehicle's insured value close to current market value. Underinsurance means proportionally reduced payouts at claim time.
Exclusions
Note: The following are typically excluded from standard policies. Always read the policy wording carefully.
- Mechanical or gearbox failure unrelated to an accident
- Accidents caused by driving without a licence or under the influence of alcohol
- Intentional damage by the insured
- Tyre damage (usually excluded unless the vehicle body is also damaged)
- Normal wear and tear
- Use in unauthorised areas or off-road zones
Who is it for?
- New vehicle owners: Full Kasko recommended when vehicle value is high.
- Financed vehicles: Banks typically require Kasko as a loan condition.
- High urban mileage drivers: Higher exposure to parking damage and collision.
- Commercial vehicle users: Claim frequency may be higher; package and excess selection matter more.