Kasko for Electric and Hybrid Cars: What to Check Before You Buy

Electric and hybrid cars are increasingly common on Istanbul’s roads. They offer advantages in running costs and driving experience, but they also raise specific insurance questions. What happens if the battery is damaged? Is the charging equipment included in kasko (comprehensive motor insurance)? Who will repair the car? This guide walks through what electric and hybrid owners should check when choosing kasko. If you are new to kasko in Turkey, start with our English guide: what is casco comprehensive motor insurance.

The battery: the most valuable part

In electric cars, the battery makes up a significant part of the car’s value; in hybrids, high-voltage systems are also costly components. Ask exactly when the battery is covered. Battery damage from external events such as an accident, flood or fire is treated differently from gradual capacity loss or manufacturing faults. In general, kasko covers sudden and unexpected external events; wear and manufacturer warranty faults are separate matters. Look for answers to these questions:

• After an accident, is battery repair or replacement considered?
• Does any special condition or excess apply to the battery?
• How is high-voltage system damage handled in floods?
• For models with a leased battery, who owns the battery and how is it shown on the policy?

Charging cable and home wallbox

Portable charging cables supplied with the car can be stolen or damaged. Some kasko policies treat them as accessories; others may require a separate declaration. A wall-mounted charging unit at your home or car park is usually separate from the car, so your home or business policy may be relevant. If you live in a residential complex in Sarıyer or İstinye and use a shared charger, ask how damage to your car caused by a fault in that unit would be handled. Clarifying which equipment sits under which policy avoids uncertainty at claim time.

Repair network and repair capability

Repairing electric and hybrid cars requires technicians trained to work with high-voltage systems and special equipment, so which workshops can be used matters. Authorised dealer service, contracted garages and independent garages vary between policies. Ask how access to your brand’s authorised network is defined. Some businesses in auto industrial estates are also building experience with electric and hybrid repairs, but whether your kasko accepts repairs there depends on the policy.

Parts can take time to arrive, especially for batteries and high-voltage components, so repairs may take longer. If you use the car daily, check the scope, duration and conditions of replacement car cover.

Roadside assistance: how the car is moved matters

Running out of charge or a system fault can leave you stranded, and some of these cars must be transported in a specific way recommended by the manufacturer. Check:

• Is towing provided when the battery runs flat?
• Is the car transported in the way the manufacturer recommends?
• Is it taken to the nearest charging point or to a workshop?
• Is there a limit on how often the service can be used in a year?

Car value and comparing quotes

The electric car market changes fast, so values can fluctuate. See what value the car is insured on and how that value is set at claim time. Two quotes for the same car can offer very different protection because of battery, repair and roadside terms, so compare cover details, not just premium. For hybrids, the combination of a combustion engine and an electric system diversifies fault and damage types; ask how the policy treats both.

Declare usage and parking correctly: whether the car is kept in a closed car park or outside, and whether you charge at home or at public points, can play a role in risk assessment. Driver-assistance systems also matter: bumpers, windscreens or mirrors with sensors and cameras can need more complex repairs, so ask how glass and light cover applies to such equipped parts.

Summary checklist

When buying kasko for an electric or hybrid car, clarify battery cover, charging equipment, repair options, type of roadside assistance and how the car’s value is set. Visit our comprehensive car insurance (kasko) in Maslak page; we can review offers from several insurers with you, explained in English.

For a kasko quote for your electric or hybrid car, 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.