Renewing Your Kasko Policy: What to Check Before You Accept

As your kasko (Turkish comprehensive motor insurance) expiry date approaches, the renewal quote arrives and most drivers glance at the price and accept. But over the past year your car, the way you use it or the policy itself may have changed. Renewal is the right moment to bring the policy up to date. This guide lists what to check, item by item.

Start by reviewing the past year

Before looking at the new quote, ask yourself: did you have a claim, did you use the insurance, and how did it go? If you were unhappy with the garage, the replacement car or roadside assistance, that is a clue to what you want to change. If you had no claims, ask how your no-claims discount is reflected in the new quote.

Renewal checklist

1. Car value: Make sure the car is insured at its current value. If the figure is not what you expect, ask why.
2. Accessories and equipment: Have you declared anything added during the year, such as a multimedia system, wheels or a camera?
3. Use: If you now use the car for work or commercially, you must say so.
4. Drivers: Has anyone new started driving the car, such as a newly licensed family member?
5. Address and parking: If you moved, or now park on the street instead of a closed car park, update this.
6. Garage terms: Are authorised dealer or contracted garage preferences the same as last year?
7. Deductible and co-payment: Has a deductible been added that was not there before?
8. İMM: Has the voluntary excess liability limit been kept, and does it still suit you?
9. Extras: Has the scope of a replacement car, personal accident, legal protection or key loss cover been narrowed?
10. Assistance: Has anything changed in towing and roadside assistance?

The “same policy” is not always the same

Insurers update their products from time to time. A product with the same name may come with different terms in the new period. Even if the price looks similar, a cover may have been narrowed, a service removed or a new condition added. Compare the renewal quote line by line with your previous policy. The reverse is also possible: the price may be higher but the cover wider. Always compare under the same headings.

Look at other insurers too

Renewal is a natural moment to see alternatives. Because no-claims information is held centrally, it is generally recognised when you switch. For a fair comparison, every quote must be based on the same correct information. For the factors behind the price, see what affects your kasko premium.

What to prepare

• Your current policy and any special conditions page,
• The ruhsat (vehicle registration) and current mileage,
• A list of equipment added during the year, with invoices if possible,
• Licence details of everyone who drives the car,
• A short summary of the year’s claims, including any file still open.

If you plan to sell the car or leave Turkey around renewal time, tell your agency. How the policy works after a sale, and cancellation or premium refunds, depend on the policy terms.

Timing: no gap in cover

Do not leave renewal to the last day. Damage that happens after your kasko has expired is not covered by the new policy. Check that the new start date lines up with the old expiry date, and discuss payment and instalment options in advance. It is also a good habit to check your traffic insurance expiry at the same time so the compulsory policy is not forgotten.

Once the new policy is issued, check that the plate, chassis and driver details are correct, that the extras you asked for really appear and that the start date is right. Update the assistance number on your phone if it changed, and keep a digital copy of the policy where you can find it quickly.

Let us review your renewal together

An agency working with several insurers can compare your renewal quote with last year’s policy, update what has changed and show alternatives under the same headings, with explanations in English. See our comprehensive car insurance (kasko) in Maslak page.

To go through your kasko renewal together, 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.