This kasko calculator is provided by Hesapstan to estimate a comprehensive vehicle insurance premium range in Turkey based on vehicle market value, coverage package, vehicle age, risk profile, no-claim discount, deductible level, service network and replacement-car preference.
What does this kasko calculator estimate?
This calculator estimates a premium range for kasko, the voluntary comprehensive vehicle insurance product used in Turkey. It starts with the vehicle’s market value and adjusts the range according to the selected coverage package, vehicle age, risk profile, no-claim discount, deductible level, service network and replacement-car option.
Unlike mandatory traffic insurance, kasko does not have a single official SBM maximum premium table. Insurers price kasko according to the vehicle, coverage structure, repair network, claim history and their own commercial rules. For that reason, this calculator gives a transparent planning range rather than a purchasable quote.
This is not an insurer quote; it is an estimated comprehensive insurance premium range based on the selected inputs. Real policy prices can differ by insurer, coverage limits, special conditions and vehicle details.
For users new to Turkey: unlike mandatory traffic insurance, there is no official SBM ceiling table for kasko. Every insurer prices kasko independently based on the vehicle, driver profile and policy terms. This means two insurers can quote very different amounts for the same car. The range this calculator shows reflects that market spread — it is not a ceiling or a regulated figure.
What is kasko?
Kasko is voluntary comprehensive vehicle insurance in Turkey. It can cover damage to the insured vehicle itself, depending on the policy terms. Collision, theft, fire, natural disaster, glass damage, mini repair, replacement car and roadside assistance may be included or excluded depending on the product.
Kasko is not a limitless guarantee. The value of a policy depends on the coverage limits, exclusions, deductible rules, repair network, parts policy and special conditions. A cheaper offer may also have narrower protection or a higher out-of-pocket share during a claim.
When comparing kasko offers, do not look only at the premium. Compare deductible rules, authorized-service rights, replacement-car conditions, glass coverage, mini repair, natural disaster coverage and assistance services.
Kasko vs mandatory traffic insurance
Mandatory traffic insurance is required by law and mainly relates to liability toward third parties. Kasko is optional and focuses on damage to your own vehicle under the policy conditions.
Traffic insurance has an official maximum gross premium table. Kasko does not. A kasko premium is built from insurer-specific risk pricing, vehicle value, coverage choices and policy conditions.
- Traffic insurance is mandatory; kasko is voluntary.
- Traffic insurance focuses on third-party liability; kasko focuses on your own vehicle.
- Traffic insurance can be looked up in an official maximum premium table; kasko requires insurer offers.
- Kasko package names and coverage details can vary widely between insurers.
Why vehicle value is the main input
The market value of the vehicle is central to kasko pricing because repair cost, parts cost, total-loss exposure and theft risk are connected to the value of the insured asset. A higher-value vehicle usually produces a higher premium range under the same coverage assumptions.
Enter a realistic market value. A value that is too low or too high will directly distort the estimate. In real underwriting, insurers may also use vehicle databases, model year, trim, accessory information and policy-specific valuation rules.
The vehicle value in this calculator is a user input for estimating the premium range. The insurer may evaluate the vehicle value differently when issuing an actual policy.
Mini, standard and full kasko
Kasko products are not identical. Mini kasko usually represents a narrower, budget-oriented scenario. Standard kasko is a more balanced package. Full or extended kasko can include broader coverage and therefore create a higher estimated premium range.
- Mini kasko: a limited scenario for users who want basic protection at a lower budget.
- Standard kasko: a balanced scenario between price and coverage.
- Full kasko: a broader scenario that may include more comprehensive protection.
- The package name alone is not enough; policy limits and exclusions must be checked.
One insurer’s “full kasko” may not match another insurer’s extended package. The calculator uses package level as a scenario factor, not as a guarantee of identical coverage.
What is deductible / muafiyet?
A deductible means that part of a loss may be borne by the insured. Increasing the deductible can reduce the premium, but it can also increase the amount you may pay during a claim.
The calculator treats deductible level as a premium-reducing scenario factor. This does not mean higher deductible is always better. It is a trade-off between paying less today and potentially carrying more cost after damage.
A higher deductible may lower the estimated premium but can increase your out-of-pocket share during a claim. The exact deductible rule must be read in the policy.
Authorized service or private service?
Repair network choice can affect kasko pricing. Authorized service may be preferred for newer vehicles, warranty-sensitive vehicles or users who want brand-specific repair processes. Contracted private-service options may produce lower premiums in some products.
The calculator treats authorized service as a factor that can increase the estimated range. The exact effect depends on the insurer and the policy.
Replacement car coverage
Replacement car coverage can provide a temporary vehicle when the insured car cannot be used after a covered damage event. The conditions, number of days, vehicle class and eligible damage types differ by insurer.
In this calculator, selecting replacement car coverage increases the estimated range as an add-on scenario. It does not mean a replacement car will be provided in every situation.
Replacement car coverage may depend on repair duration, damage reason, service process and policy limits. Always read the relevant policy clause before buying.
No-claim discount
No-claim discount reflects the idea that a cleaner claim history can reduce risk for the insurer. In real offers, claim history can affect the price, but the exact evaluation differs between companies.
The calculator applies the selected no-claim discount level as a scenario factor. It should not be read as a universal discount rule.
The no-claim option here is for estimation. An insurer may apply a different discount, surcharge or evaluation depending on your actual policy and claim history.
How to use the calculator
- Enter the approximate market value of the vehicle in TL.
- Choose the vehicle age band.
- Select mini, standard or full kasko package.
- Select risk profile and no-claim discount level.
- Choose deductible, service network and replacement car options.
- Read the estimated premium range and the factors that affect it.
A higher vehicle value, broader package, authorized service and replacement car option can increase the estimated range. A higher deductible can lower the premium but may increase the user’s share during a claim.
Example scenario
Suppose a vehicle has a market value of 1,500,000 TL and the user selects full kasko. If the vehicle is in a higher-risk profile, authorized service is selected and replacement car coverage is included, the estimated premium range can move upward.
For the same vehicle, choosing standard kasko, contracted private service and a medium deductible can lower the estimated range. But that may also mean narrower coverage or more out-of-pocket cost during a claim.
Why kasko prices vary between insurers
Kasko prices vary because insurers use different risk models, repair agreements, parts policies, campaign rules, claim statistics and coverage structures. The same car can receive materially different offers from different insurers.
That is why this calculator shows a range rather than one exact price. To make a real buying decision, compare actual offers together with coverage details.
- A lower price may come with a higher deductible.
- A higher price may include authorized service and broader assistance.
- Glass, mini repair and replacement-car conditions may differ.
- The same package name can hide different policy limits.
Limits of this calculator
This tool does not generate a live insurer quote or an official tariff. The rates and multipliers are transparent scenario assumptions that help the user understand the main pricing factors.
- It does not compare live insurer prices.
- It does not query a vehicle model database or official kasko value list.
- It does not price glass, hail, flood, earthquake, mini repair or special coverage limits separately.
- It does not read policy exclusions or payment plans.
- It does not determine claim compensation after damage.
Before buying kasko, get real quotes from insurers, compare coverage rows side by side and read the policy’s special conditions.
Frequently Asked Questions
Is the result a real insurer quote?
No. It is an estimated premium range based on selected inputs. A real quote must come from an insurer or authorized sales channel.
Is kasko mandatory in Turkey?
No. Kasko is voluntary. Mandatory traffic insurance is the legally required product.
What is the difference between mini and full kasko?
Mini kasko is usually narrower and budget-oriented; full kasko usually represents broader protection. The exact content depends on the insurer and policy terms.
Does deductible reduce the price?
It can reduce the estimated premium, but it may also increase the amount you pay during a claim.
Does authorized service increase the premium?
It can increase the estimated range because it may provide a broader or brand-specific repair network. The actual effect depends on the insurer.
Is replacement car coverage always included?
No. It depends on the policy, and conditions such as duration and eligible damage type can vary.
Why does vehicle value matter so much?
Because repair, parts, total-loss and theft exposure usually rise with the value of the insured vehicle.
Can kasko replace traffic insurance?
No. They are different products. Traffic insurance is mandatory liability insurance; kasko is voluntary coverage for the insured vehicle.
What is the kasko vehicle value list (kasko değer listesi)?
Insurance companies in Turkey use reference valuation lists to determine the market value of a vehicle when issuing a kasko policy. When entering the vehicle value in this calculator, use a realistic current market value. The closer it is to the value an insurer would use, the more meaningful the estimated range.
References
- SEDDK — Insurance general conditions
- TSB — Motor Own Damage Insurance General Conditions
- TSB — Kasko vehicle value lists
- Sigortam.net — Vehicle kasko value list
- Sigortam.net — Replacement car coverage in kasko
- Sigortam.net — What to consider when buying kasko
- Sigortam.net — Contracted and authorized service choices