Kasko insurance is an optional policy that covers financial damage to your own vehicle. Unlike traffic insurance, it doesn't cover the other party — it covers damage to your own car.
What Does Kasko Cover?
- Collision, crash, and rollover damage
- Fire and partial fire damage
- Theft or attempted theft
- Flood, hail, and storm damage (depending on policy coverage)
- Malicious acts by third parties (e.g. intentional damage)
How Is It Different From Traffic Insurance?
Traffic insurance is mandatory and only covers damage you cause to the other party (third parties). Kasko is optional and also covers damage to your own vehicle. This makes it especially valuable for newer or higher-value vehicles, protecting you against potentially large repair costs.
What Should You Check When Choosing a Policy?
Kasko policies can vary between insurers in coverage scope, deductible rate, and add-ons (replacement vehicle, roadside assistance, glass coverage, etc.). Comparing multiple quotes helps you find both a better price and a coverage that truly fits your needs.