Total Loss Car Insurance

Budget-friendly car cover that steps in when your car is damaged beyond repair or stolen.

Who is it for?

Car owners who find the full kasko premium too heavy for their budget
People who rarely use their car or only drive short distances
Anyone wanting to insure a second car
People who bought a car on finance or in instalments and want to cover the biggest risk
Drivers who prefer to pay for small damage themselves

What is Total Loss Car Insurance and what does it do?

Not every driver has the budget for full Comprehensive Car Insurance (Kasko). But the real fear isn't small scratches: it's your car being damaged beyond repair, or never coming back.

Total Loss Car Insurance (known in Türkiye as pert kasko) is designed for exactly that scenario. If your car becomes a total loss after an incident covered by the main kasko cover, meaning the repair cost is close to or more than the car's value, or if it's stolen, we pay you its market value on the date of the incident.

Because minor damage isn't covered, the premium is lower than full kasko. It's a simple, clear way to protect yourself against the biggest risk without stretching your budget.

When you take it out with Atom Sigorta

A noticeably lower premium than full kasko
The two biggest risks, total loss and theft, are covered
Simple, easy-to-understand cover
Can be extended with extra cover as needed
Compensation calculated on the car's market value
An economical option for rarely used and second cars

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.

Total loss from collision

Compensation is paid if your car becomes unusable after colliding with another vehicle or a fixed object.

Total loss from fire

Cover applies if fire damages your car beyond repair.

Theft

If your car is stolen and hasn't been found by the end of the legal waiting period, you're paid compensation based on its market value.

Attempted theft

Damage caused during an attempt to steal your car is covered when it reaches total loss level.

Overturning and rolling

Total losses from the car overturning or rolling off a cliff are included in the cover.

Natural disasters

Total loss from earthquakes, floods, water damage, storms and hail can be added to the policy as extra cover.

Terrorism, strikes and civil unrest

Your car being made unusable by these events can be covered as an add-on.

Payment based on market value

Compensation is calculated on your car's market value on the date of the incident. It's the actual value at the time of the loss that counts, not the value when the policy started.

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 Total Loss Car Insurance

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

Full kasko covers many situations, including minor damage. Total loss cover only steps in if the car is written off or stolen, which is why the premium is lower.

A car is treated as a total loss when the repair cost is close to or above its market value and repairing it no longer makes economic sense. This is assessed through a loss adjuster's report.

No. Total loss cover doesn't cover partial damage; it only pays out for a total loss or theft.

It's based on your car's market value on the date of the incident. The actual market value at the time of the loss counts, not the amount on the policy.

After you report the theft and the official procedures are done, the legal waiting period runs its course. If the car hasn't been found by the end of it, compensation is paid.

The decision is made by looking at the car's current condition and registration record. Share your car's details and we'll tell you whether it's a suitable option.

Some extras can be added, depending on how the policy is structured. We'll listen to what you need and decide together which add-ons make sense for you.

Get a quote

Get a quote for Total Loss Car Insurance

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