Comprehensive insurance, which is one of the optional insurance types, covers the damage to the vehicle, i.e. the policyholder, in the event of an accident.
What is Comprehensive Motor Insurance?
Casco insurance, also known as Comprehensive Motor Insurance, is among the optional insurances and covers the damages of the vehicle, i.e. the policyholder, in the event of an accident.
Differences between Comprehensive Motor Insurance and Traffic Insurance
- While traffic insurance is a compulsory insurance, motor insurance is optional. In case of driving without traffic insurance, the vehicle is tied up and the vehicle owners are penalized.
- While motor insurance covers the losses and damages incurred in your own vehicle in the event of an accident, traffic insurance is obliged to cover the losses and damages of the other party.
- There is a difference between traffic insurance prices and motor insurance prices. Since the coverage provided by motor insurance is a bit more comprehensive than traffic insurance, the price of motor insurance is relatively more expensive. The coverage limits of traffic insurances are generally similar. For this reason, it would make sense to identify and choose the cheapest one when taking out this type of insurance. The situation is different with comprehensive insurance. Since the coverage limits of motor insurance vary according to the policy you have, it would be much more appropriate to go for the most advantageous option, not the cheapest one.
- The limits for traffic insurance are fixed and determined by the state. Material and bodily damages to the other party are covered there. In Kasko, on the other hand, the scope of the policy can be expanded at any rate, and it is the insurance holder, not the state, who sets the limits.
- Coverages offered by the policy service
- Assistance service details
- Special conditions under the policy
- Exceptions in services
- Geographical coverage of services
Which Vehicles Can We Insure?
It is possible to insure motorized and non-motorized vehicles, trailers, caravans, construction machinery and vehicles with rubber tires that can be used on the highway.
When Should You Renew Your Comprehensive Motor Insurance Policy?
Comprehensive insurance policies are valid for 1 year. In order not to lose your no-claims discount, you must renew your policy before the policy expires.
What is the No Claim Discount and How Is It Calculated?
It is a system that reduces the premium you will pay when purchasing your motor insurance policy by up to 60% and rewards good drivers who have no damage.
When calculating the no damage discount;
30% at the renewal at the end of the 1st year of the policy
40% on renewal at the end of the 2nd year of the policy
50% at the renewal at the end of the 3rd year of the policy
At the end of the 4th year and subsequent years of the policy, a discount rate of 60% is applied for renewal.
How many car insurance products are available under Gri Sigorta?
We have three car insurance products: Extended Car Insurance, Eco Car Insurance and Grivan Caravan Insurance.
Click here to view Gri Insurance car insurance contracted auto services.
Click here to view the auto glass services contracted with Gri Insurance motor insurance.
