Comprehensive (Kasko)

Comprehensive insurance covers damage to your vehicle per policy terms: collision, overturning, fire, flood, hail, theft and malicious acts. Traffic insurance protects third parties; comprehensive protects your car.

Which package fits?

The narrowest package covers collision only; broader plans add glass breakage, paintless dent repair, replacement vehicle and roadside assistance. Vehicle age and market value drive the choice — full comprehensive is not always sensible on a 15-year-old car.

What is a deductible?

The first amount you pay per claim. A higher deductible lowers premium but means small repairs come from your pocket. Low deductibles suit daily city drivers; high deductibles can work for rarely used cars.

What happens when you claim?

You report the loss, the insurer appoints an adjuster. Repairs at contracted garages usually move faster; parts are priced from the agreed list. Replacement vehicle cover makes the wait less painful.

Premium depends on make and model, age, province, driver profile and selected covers. Quotes from several insurers for the same car can differ significantly.