Comprehensive Auto Insurance
Comprehensive auto insurance optionally and broadly secures damage to your own vehicle (collision, fire, theft, etc.).
Overview
Traffic insurance protects the other party; comprehensive auto insurance thinks of your own vehicle. It secures your car against many risks, from collision, fire, theft and natural disasters to everyday mishaps like glass damage or lost keys. From our Mecidiyeköy office we serve all of Türkiye: we line up kasko offers from 20+ companies based on your car's make, age and usage, strip out unnecessary cover and choose the right package with you. Looking for the cheapest kasko? We compare 20+ companies and find the most suitable price together.
Coverage
What does it cover?
- Impact, collision, rollover and fire damage
- Theft and attempted theft
- Natural disasters (flood, hail) and optional riders (glass, replacement vehicle, etc.)
- 24/7 roadside assistance — depending on the insurer and package
Advantages
What stands out about this product
A package for your needs
We select riders (replacement vehicle, glass, minor repair) per your needs and cut unnecessary cost.
20+ company comparison
We compare all tariffs for your vehicle and find the most advantageous cover.
Why with Doğukan?
Trusted, impartial, by your side
Compare 20+ companies
See every offer from a single point, without browsing site by site.
Completely free
Getting a quote is completely free; we charge you nothing for our advice.
By your side at claim time
After the policy, we handle communication with the insurer on your behalf.
FAQ
About this product
No, it is optional; but it provides strong protection since traffic insurance does not cover damage to your own vehicle.
Traffic insurance only covers damage you cause to others; for damage to your own vehicle you need comprehensive cover.
Traffic insurance (compulsory motor third-party liability) is mandatory by law and covers only the material/bodily damage you cause to the OTHER PARTY in an accident, within legal limits. Kasko is optional and secures damage to YOUR OWN VEHICLE (collision, fire, theft, natural disasters, etc.). They complement each other: for full protection both are usually taken together.
The kasko premium is driven mostly by the vehicle's value and age, your province, the driver profile (age/experience), your claims history and the covers you choose (replacement vehicle, glass, minor repair, etc.). Prices for the same car can differ significantly by insurer; that's why we compare offers from 20+ companies and find the one that fits you best.
Mini/limited kasko covers only certain risks (such as fire, theft and natural disasters) and its premium is usually lower. Extended kasko includes a broader set of risks, including collision, plus optional riders. What each package contains varies by insurer and the policy's special terms; we strike the right balance for your budget together.
Each claim-free policy year moves you up a discount tier and lowers the renewal premium; when a claim is filed the tier may drop and the premium may rise. Tier rates and their application vary by insurer. Your no-claims history is usually preserved when switching insurers; we track this for you at renewal.
In an accident where the other party is at fault, you can claim diminished-value compensation from the at-fault party's traffic insurance for the drop in your repaired vehicle's resale value. Eligibility, deadlines and calculation are set by the regulations; this is general information. Should this happen, we guide you through the application process.
The kasko calculation is done by each insurer's own tariff, based on the vehicle's value in the kasko value list, its age, your province, the driver profile, your claims history and the covers you choose. The price for the same car can vary significantly between insurers; there is no single formula for an exact figure. Once you share your details, we compare the prices calculated by 20+ companies for you.
The kasko value list is the reference list published by the Insurance Association of Türkiye (TSB) showing vehicles' market values by make, model and year. The kasko sum insured in your policy (your vehicle's insured value) is generally set according to this list. In a claim or total loss, this list serves as the reference for the value on which payment is based; the application may vary by insurer and policy.
A standard kasko policy does not automatically cover the drop in your vehicle's resale value after repair (diminished value); some insurers offer it as an optional rider, and coverage varies by policy. In accidents where the other party is at fault, diminished value is claimed from the at-fault party's traffic insurance. This is general information; conditions are set by the regulations and we guide you through the application process.
İMM (voluntary financial liability) is an optional cover that pays the part of the damage you cause to the other party EXCEEDING the compulsory traffic insurance limits; it is usually added to a kasko policy. It provides important protection especially in accidents involving high-value vehicles. Limit options vary by insurer and policy; we determine the right limit for your needs together.
In everyday language, 'full kasko' refers to extended packages including a broad set of risks (collision included) plus riders; unlike limited/mini kasko, which covers only certain risks (such as fire, theft and natural disasters), it offers more comprehensive protection. Even 'full kasko' does not cover everything, though: every policy's general and special terms include exclusions. Package contents vary by insurer; we clarify the coverage together before you buy.
Some insurers offer short-term (for example monthly or multi-month) kasko products; however, these are not available from every company, and the coverage, conditions and pricing vary by insurer. Whether a temporary need or an annual policy suits you better — we compare the options for your situation and recommend the best fit.
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