Roadside Assistance, Towing and Minor Repairs in Kasko: When and How to Use Them

Most people think of kasko (Turkish comprehensive motor insurance) as the policy that pays for accident repairs. Yet many policies also include a service package that is useful far more often in daily life: roadside assistance, towing and, in some products, minor repairs. Most drivers only remember these services when they are stuck at the roadside, and at that moment they do not know how to use them. This guide covers the general logic, how to call for help and the most common mistakes.

What assistance services can include

Assistance packages vary by insurer and product. Common services include:

• Towing after an accident: Moving a car that cannot be driven to a garage.
• Towing after a breakdown: Moving a car stranded by a mechanical or electrical fault, even without an accident. Not every policy includes this.
• On-the-spot help: Jump-starting a battery, help with changing a tyre and similar support to get you moving.
• Support for passengers: In some packages, accommodation or onward travel if the car cannot be used for a long time.
• Minor repairs: Quick fixes for small dents, scratches or paint damage under certain conditions.

Which services you have, how many times you can use them and any distance or other limits are written in the assistance section of your policy. Reading it in advance prevents surprises at a stressful moment.

The right order when you are stranded

1. Make it safe: Move the car to a safe spot if you can, turn on the hazard lights and place the warning triangle.
2. Call the assistance line on your policy: The number is on your policy and usually in the insurer’s mobile app. Save it on your phone now.
3. Give clear information: Plate number, the policyholder’s ID details (for foreign residents, the foreign ID number, Yabancı Kimlik No), your location and what the problem is.
4. Wait for dispatch: The tow truck or roadside team is sent by the assistance company.
5. If there was an accident, start the claim separately: Towing does not replace reporting the damage. The accident report and the claim are separate steps.

The most common mistake: calling your own tow truck

In a stressful moment, calling the nearest tow truck feels natural. But services arranged without going through the assistance line may not be reimbursed, depending on your policy. Where the car is towed also matters: the authorised dealer, a contracted garage or another workshop must fit the garage conditions of your policy.

In an area such as Maslak Atatürk Oto Sanayi Sitesi, with many workshops close together, leaving the car with a nearby mechanic may look convenient; even so, the insurer’s approval and expert inspection must happen before repairs. For how repairs are handled, see contracted garage or cash settlement.

Minor repairs: a practical fix for small damage

The minor repair service in some kasko products fixes small dents, scratches and similar cosmetic damage under certain conditions, usually at contracted locations. Its effect on your claims record and no-claims discount depends on the policy. Before using it, ask:

• Which types of damage count as minor repairs?
• How many times a year can it be used?
• Where is it done, and how do you book?
• Does using it affect the no-claims discount?

Long trips and driving out of town

Before a long holiday drive, review your assistance cover again. Some packages offer accommodation, onward travel or help collecting the car after repair if it breaks down away from your home city; others are limited to towing. If you plan to drive abroad, ask whether assistance applies there too. The kasko foreign-territory cover and the assistance service do not always match, and green card insurance covers only damage to third parties abroad, not roadside help.

Compare the assistance line when you compare quotes

A price gap between two kasko quotes is sometimes explained by the assistance package. For drivers who use the car daily, travel long distances or drive an older car, breakdown towing and on-the-spot help can make a real difference.

Check your policy now

Saving the assistance number and reading the service scope takes a few minutes but makes a big difference on a bad day. Keep the number, your policy number and plate in one note on your phone, and make sure other family drivers can find it too. For kasko options with broad assistance cover, see our comprehensive car insurance (kasko) in Maslak page.

To check which roadside services your policy includes, call us on +90 530 375 89 61 or send a message on WhatsApp — our team offers English support. Our office is in Maslak Atatürk Oto Sanayi Sitesi.