KASKO is like having both a protective shield and an emergency wallet for your car: if the vehicle is damaged, scratched, stolen, or affected by natural events, the insurance helps pay for repairs or compensate for the loss. The key idea is simple: KASKO protects your car itself, not just your liability to others.
KASKO is voluntary insurance for the vehicle itself. Unlike compulsory third-party liability insurance, it works in the interest of the car owner: if your own car is damaged, the payout or repair support goes to you.
First, the owner chooses an insurance program. Then the sum insured is defined — this is the maximum amount of protection, usually based on the market value of the car. After the policy is paid for, insurance coverage starts under the agreed terms: if an insured event happens, the client reports it to the insurer, submits the required documents, and then receives either repair coverage or monetary compensation, depending on the case and policy conditions.
Standard KASKO coverage often includes:
Sum insured — the maximum amount covered under the policy.
Insured event — an event listed in the contract that gives the client the right to a payout or repair support.
Deductible — the part of the loss the car owner pays personally. Usually, the higher the deductible, the lower the policy price.
Total loss — a situation where the car cannot reasonably be repaired or repair is economically impractical.
Theft / hijacking — loss of the vehicle due to unlawful actions by third parties, if this risk is included in the policy.
KASKO is especially useful for people who want to reduce the risk of one very large expense. It is particularly relevant if:
In practice, voluntary car insurance programs differ by scope. Common options include:
Our experts will help you choose the best insurance coverage
