Motor Own-Damage (Kasko)
Optional insurance that covers damage to your own vehicle after an accident, theft, fire and similar events.
What is Motor Own-Damage (Kasko) and how does it work?
Kasko is optional insurance that covers damage to your own vehicle. In an accident, collision, rollover, theft, fire or natural disaster, repair or vehicle value is paid under the policy terms. Traffic insurance covers the other party's loss, while kasko protects your car.
The premium depends on make and model, age, no-claims discount, use of the car and the cover you choose. Choosing a deductible (you bear part of the damage) can lower the premium. The authorised repair network, type of spare parts and replacement-car entitlement are the main items that make quotes differ.
Who is it for?
It suits anyone who wants to protect the value of their car, avoid large repair bills and get quick repairs after an accident, especially for new and valuable cars.
Choosing kasko and what to do after an accident
Unlike traffic insurance, kasko covers damage to your own car. When choosing, look at how the car's value is set, the deductible, extras such as glass, minor repairs and replacement car, and the contracted repair network.
After an accident, first make sure everyone is safe, complete a report or accident form if needed, photograph the scene before moving the car and notify the insurer quickly. Repairs at a service the insurer directs you to usually go faster.
How does the process work with Santerna?
First we listen to your needs and budget. Then we collect suitable quotes from the insurers we work with and put the cover and conditions side by side in a simple table. You make the choice; after the policy is issued we track the renewal date and stand by you when a claim happens. You can reach us by phone, WhatsApp or by visiting our office.
What does it usually cover?
- Accident damage such as collision or rollover
- Theft and fire
- Extras such as glass, natural disasters and a replacement car (depending on the policy)
What to look at when choosing
- The authorised repair network and the type of spare parts
- The deductible amount
- Setting the vehicle value correctly
Frequently asked questions
What is the difference between kasko and traffic insurance?
Traffic insurance is compulsory and covers the other party's losses within legal limits. Kasko is optional and covers damage to your own vehicle.
How can I lower the kasko premium?
No-claims discount, a deductible, choosing authorised repairers and dropping unnecessary extras all affect the price. Seeing several insurers' quotes side by side is the most effective way.
What should I do after an accident?
Make the scene safe, fill in the accident report or call the police if needed, take photos and inform us or your insurer as soon as possible. We manage the process with you.
Let us find the right one for you together.
Cover varies by insurer and policy; this page is general information.