The Difference Between Traffic Insurance and Comprehensive Coverage

One of the most important decisions you face as a vehicle owner is choosing which type of insurance to buy. Understanding the differences between compulsory traffic insurance and comprehensive (kasko) coverage is critical to making the right choice.

What Is Traffic Insurance?

Traffic insurance is mandatory in Türkiye. Required for all motor vehicle owners, it covers damage caused to third parties — meaning that in the event of an accident, it pays for the other party's vehicle and medical expenses.

Features of Traffic Insurance:

It is mandatory
It covers damage to third parties
It does not cover damage to your own vehicle
It is more affordable

What Is Comprehensive (Kasko) Coverage?

Comprehensive (kasko) coverage is optional and protects your own vehicle. It pays for repair costs in events such as accidents, theft and fire, or compensates the value of your vehicle if it's lost.

Features of Comprehensive Coverage:

It is optional
It covers damage to your own vehicle
It includes risks like theft, fire and natural disasters
It provides broader protection
The premium is higher

Which Should I Choose?

If your vehicle has high value, is being financed, or is brand-new or near-new, comprehensive coverage is recommended. For older, lower-value vehicles, traffic insurance alone may suffice.