Comprehensive Car Insurance (Kasko)

Wide-ranging vehicle protection that brings damage to your own car, theft, fire and natural disasters together in one policy.

Get a quote on WhatsApp 0850 303 28 66

Who is it for?

Drivers who use their car every day and spend a lot of time in city traffic
Owners of high-value cars bought on finance or in instalments
People who have to leave their car on the street or in open car parks
People who often drive between cities or cover long distances
People living in areas with a high risk of earthquakes, floods and hail

What is Comprehensive Car Insurance (Kasko) and what does it do?

Compulsory Traffic Insurance protects the other party; Comprehensive Car Insurance, known in Türkiye as kasko, protects your own car. A door scratched while parked, a dent from a hailstorm, a stolen car or an accident that was your fault… kasko picks up the bill instead of you.

Alongside the main cover for collision, impact, overturning, fire and theft, our policy also covers earthquakes, floods, storms, lightning and malicious damage. Depending on your needs, you can add extras such as a replacement car, lost keys, wrong fuel, glass replacement and legal protection.

When you need to claim, we direct your car to our partner garages and follow the repair from start to finish. All you need to do is carry on with your day.

When you take it out with Atom Sigorta

A wide network of partner garages, with genuine parts options
24/7 towing, tyre and battery help if you're stranded
Option to protect your no-claims discount after a single claim
Pick-up and drop-off service from your door
Minor repairs fix small scratches and dents without touching your no-claims discount
Flexible instalment options

What's covered

What does the policy cover?

Depending on the package you choose, some or all of the cover below can be added to your policy.

Collision, Impact and Overturning

Damage when your car hits another vehicle, a fixed object or a pedestrian, or overturns, falls or rolls over, is covered regardless of who was at fault.

Fire

Damage from a fire, whether the car catches light on its own, from an electrical fault or from flames spreading from outside, is covered by the policy.

Theft and Attempted Theft

Theft of the whole car or its parts, and damage caused during a theft attempt, are covered. If the car isn't recovered, compensation is based on its market (kasko) value on the date of the incident.

Malicious Damage by Third Parties

Damage caused deliberately or as a prank by others, such as a scratched bonnet, a broken mirror or a kicked-in door, is included in the cover.

Natural Disasters

Damage to your car from earthquakes, floods and water damage, storms, hail, lightning and landslides is covered; how wide the cover is depends on your policy and the package you choose.

Strikes, Lockouts, Civil Unrest and Terrorism

Damage to your car during civil unrest, disorder around strikes and lockouts, or terrorist acts can be added to the policy.

Lost Keys and Lock Replacement

If your key is lost, stolen or taken by force, the cost of renewing the lock system and key is paid up to the limit stated in the policy.

Glass Breakage

Chips and cracks in the front, rear and side windows are repaired or replaced; whether this affects your no-claims discount depends on your policy.

Wrong Fuel

If the wrong fuel is put in, repairs to the fuel system and engine are covered up to the limit defined in the policy.

Increased Third-Party Liability (İMM)

Kicks in when the other party's losses in an accident that was your fault exceed the Compulsory Traffic Insurance limits; the extra limit depends on the package you choose.

Personal Accident

If the driver or passengers die or are permanently disabled in a road accident, compensation is paid based on the amounts stated in the policy.

Replacement Car and Roadside Assistance

A replacement car is provided while yours is being repaired; if you're stranded, you get towing, tyre and battery help. The number of days and call-outs depends on the package.

Cover, exclusions and limits vary with the package you choose and the policy's general and special terms. To work out the right set of cover for you, call us on 0850 303 28 66.

Frequently asked questions

Your questions about Comprehensive Car Insurance (Kasko)

If your question isn't on the list, give us a call. We'll keep explaining until it all makes sense.

No, kasko is optional. But because Compulsory Traffic Insurance only covers the other party's losses, kasko is the only way to protect your own car.

Traffic insurance covers the other party's losses; kasko covers damage to your own car. They aren't alternatives to each other; they work together.

After you report the theft, payment is made once the waiting period set by law has passed. Under the general kasko conditions, compensation is based on the car's market value on the date of the incident.

If overseas cover is added to your policy, it's valid in the specified countries. We recommend checking the cover with us before you set off.

Your level drops after claims for accidents that were your fault. Glass claims and minor repairs don't affect your discount.

These situations are excluded under the general policy conditions, so the cover doesn't apply.

The policy is issued based on the current kasko value list published by the industry. Claims are calculated on the market value at the date of the damage; the amount on the policy is the maximum that can be paid out.

Get a quote

Get a quote for Comprehensive Car Insurance (Kasko)

Send us a few details on WhatsApp. We'll compare the options from the insurers we work with and share them with you in the same chat.

Quicker by phone

0850 303 28 66 hakan@atomsigorta.com